Credit Risk Specialist (Charlotte)

Company Overview and Culture

EXL (NASDAQ : EXLS) is a global analytics and digital solutions company that partners with clients to improve business outcomes and unlock growth. Bringing together deep domain expertise with robust data, powerful analytics, cloud, and AI, we create agile, scalable solutions and execute complex operations for the worlds leading corporations in industries including insurance, healthcare, banking and financial services, media, and retail, among others. Focused on creating value from data for driving faster decision-making and transforming operating models, EXL was founded on the core values of innovation, collaboration, excellence, integrity and respect. Headquartered in New York, our team is over 40,000 strong, with more than 50 offices spanning six continents. For information, visit www.exlservice.com.

For the past 20 years, EXL has worked as a strategic partner and won awards in its approach to helping its clients solve business challenges such as digital transformation, improving customer experience, streamlining business operations, taking products to market faster, improving corporate finance, building models to become compliant more quickly with new regulations, turning volumes of data into business opportunities, creating new channels for growth and better adapting to change. The business operates within four business units : Insurance, Health, Analytics, and Emerging businesses.

About the Role EXLs Credit Risk Practice works with leading banks, fintech's, and financial institutions to design and implement advanced risk management strategies. We are seeking a Credit Risk Strategy Manager to drive the development, execution, and monitoring of credit strategies across the lending lifecycle and manage the client in terms of existing relationship & new business opportunities.

This role requires deep analytical expertise, strong business acumen, and the ability to translate data-driven insights into effective risk strategies that balance growth and profitability within client risk appetite. Additionally, it requires strong consultative and relationship-building skills with ability to influence senior stakeholders.

Key Responsibilities :

Design, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections).

Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques.

Support policy design for credit, fraud, pricing, and digital pre-qualification strategies.

Work on line assignment and credit line increase strategies, optimizing risk / return tradeoffs and supporting income capture initiatives.

Assist in graduation and product upgrade strategies for profitable base (like engaged, low-risk customers).

Support the design of risk appetite frameworks, concentration limits, and program guardrails.

Monitor regulatory and governance requirements, ensuring all strategies adhere to compliance and audit standards.

Drive innovation by leveraging new data sources, advanced analytics, and automation to strengthen credit risk capabilities.

Provide insights and recommendations to senior leadership on portfolio performance, emerging risks, and forward-looking strategies.

Build and nurture long-term client relationships by understanding business needs and positioning EXLs credit risk solutions effectively.

Identify opportunities to expand engagements through cross-sell / up-sell of analytics, modeling, and risk consulting services.

Partner with business development teams to support proposal creation, client pitches, and delivery of value-driven outcomes.

Qualifications :

Bachelors degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Masters preferred.

7+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services.

Strong expertise in consumer lending products (credit cards, personal loans, student loans, etc.) and credit lifecycle strategies.

Proficiency in SAS, SQL, Python (Tableau is a plus).

Solid background in data modeling, segmentation, regression, and statistical techniques for risk decisioning.

Ability to synthesize complex analysis into clear recommendations for senior management.

Strong communication, presentation, and stakeholder collaboration skills.

Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.

Preferred : Experience leveraging alternative data and innovative analytical approaches in credit strategy development.

Proven experience in managing client accounts with a track record of delivering measurable impact.

Business development mindset with experience in proposal writing, solutioning, or contributing to revenue growth initiatives

What we offer

EXL Analytics offers an exciting, fast paced and innovative environment, which brings together a group of sharp and entrepreneurial professionals who are eager to influence business decisions. From your very first day, you get an opportunity to work closely with highly experienced, world class analytics consultants.

You can expect to learn many aspects of businesses that our clients engage in. You will also learn effective teamwork and time-management skills - key aspects for personal and professional growth

Analytics requires different skill sets at different levels within the organization. At EXL Analytics, we invest heavily in training you in all aspects of analytics as well as in leading analytical tools and techniques.

We provide guidance / coaching to every employee through our mentoring program wherein every junior level employee is assigned a senior level professional as advisors

The experience at EXL Analytics sets the stage for further growth and development in our company and beyond

• Base Salary Range Disclaimer : The base salary range represents the low and high end of the EXL salary range for this position. Actual salaries will vary depending on factors including but not limited to : location and experience. The base salary range listed is just one component of EXL's total compensation package for employees. Other rewards may include bonuses, a Paid Time Off policy, and many region-specific benefits.