Credit Risk Strategy-Engagement Manager

EXL

San Francisco, CA

Hybrid

Who this role is best for

Geared toward candidates with consumer lending experience and strong technical skills in SQL and Python, comfortable with cross-functional collaboration and embedded consulting roles. The position emphasizes data-driven strategy development and requires in-office presence 1-2 days per week.

Best fit for

Candidates with 5+ years in consumer lending and experience in credit strategy development
— “5+ years in credit risk, credit strategy, or risk analytics — ideally in consumer lending”
Individuals with a quantitative background and hands-on data analysis capabilities
— “Bachelor’s in a quantitative discipline (Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering, or related); Master’s preferred.”
Candidates who thrive in cross-functional environments and can translate data into actionable recommendations
— “Collaborate across Business, Operations, Marketing, Finance, Product, Engineering, Legal, and Compliance”

Things to consider

The role requires 1-2 days per week in-office presence despite potential remote flexibility.
— “Work Mode: 1-2 days/week in office”
Compensation may be higher in certain geographic regions, but final offers depend on multiple factors.
— “actual compensation may exceed the posted range; your recruiter will share specifics during the process”

How to stand out

Highlight past experience in portfolio monitoring and strategy enhancement for consumer lending.
— “Own an assigned consumer lending portfolio ... recommend strategy enhancements”
Demonstrate mastery of SQL and Python with examples of large-scale data analysis projects.
— “Use SQL and Python to analyze large datasets and identify drivers of losses, approvals, and profitability.”
Emphasize hands-on experience with decision trees, segmentation, and credit lifecycle concepts.
— “Working knowledge of decision trees / segmentation and credit lifecycle concepts”
Include examples of fair lending testing or regulatory compliance work in your background.
— “Conduct fair lending testing and ensure alignment with client policies and regulatory requirements.”

Pace · Fast PacedCollaboration · HighAutonomy · MediumDecision Impact · Company

Derived from job-description analysis by Serendipath's career intelligence engine.

What success looks like

improved risk management strategies
enhanced client satisfaction

Typical background

5+ years in credit risk or related field

Skills & requirements

Required

Credit Risk AnalysisStrategy DevelopmentSQLPythonData AnalysisA/B TestingFair Lending

Preferred

Master’s DegreeConsumer Lending Experience

Stack & domain

SQLPythonUnderwritingLine/loan-amountPre-screenRisk-tier StrategiesInternal, Bureau, Third-party, And Alternative/cash-flow DataFair Lending TestingCollaborate Across TeamsTranslate Analyses Into Insights And PresentationsProblem-solvingCommunicationStakeholder ManagementEmbedded ConsultantFinanceCredit RiskData Analysis

About the role

Original posting from EXL

Work Location: San Francisco or Dallas/Frisco or New York
Work Mode: 1-2 days/week in office
Pay Range: $140K/Yr - $160K/Yr Base + Annual Bonus
For more information on benefits and what we offer please visit us at https://www.exlservice.com/us-careers-and-benefits
The posted range is the hiring range for this role — a subset of the broader range available to employees over time — and reflects base salary across our national hiring scale. Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position. The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process
Own a portfolio. Own an assigned consumer lending portfolio (personal loans, credit card, student loan refinance) — monitor risk and performance and recommend strategy enhancements.Build strategies. Develop and implement underwriting, line/loan-amount, pre-screen, and risk-tier strategies aligned to the client’s risk appetite.Analyze hands-on. Use SQL and Python to analyze large datasets and identify drivers of losses, approvals, and profitability.Test and optimize. Run champion/challenger and A/B tests to improve approval, pricing, and limit strategies — balancing risk, revenue, and customer experience.Leverage data. Use internal, bureau, third-party, and alternative/cash-flow data to strengthen decisioning.Govern fairly. Conduct fair lending testing and ensure alignment with client policies and regulatory requirements.Partner broadly. Collaborate across Business, Operations, Marketing, Finance, Product, Engineering, Legal, and Compliance to deploy strategies accurately.Communicate clearly. Translate analyses into crisp insights and presentations for client stakeholders and leadership.
Own a portfolio. Own an assigned consumer lending portfolio (personal loans, credit card, student loan refinance) — monitor risk and performance and recommend strategy enhancements.
Build strategies. Develop and implement underwriting, line/loan-amount, pre-screen, and risk-tier strategies aligned to the client’s risk appetite.
Analyze hands-on. Use SQL and Python to analyze large datasets and identify drivers of losses, approvals, and profitability.
Test and optimize. Run champion/challenger and A/B tests to improve approval, pricing, and limit strategies — balancing risk, revenue, and customer experience.
Leverage data. Use internal, bureau, third-party, and alternative/cash-flow data to strengthen decisioning.
Govern fairly. Conduct fair lending testing and ensure alignment with client policies and regulatory requirements.
Partner broadly. Collaborate across Business, Operations, Marketing, Finance, Product, Engineering, Legal, and Compliance to deploy strategies accurately.
Communicate clearly. Translate analyses into crisp insights and presentations for client stakeholders and leadership.
Bachelor’s in a quantitative discipline (Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering, or related); Master’s preferred.
5+ years in credit risk, credit strategy, or risk analytics — ideally in consumer lending (banking, fintech, or analytics consulting).
Strong hands-on SQL and Python skills for data extraction, manipulation, and analysis.
Working knowledge of decision trees / segmentation and credit lifecycle concepts (underwriting, roll rates, vintage analysis).
Demonstrated experience owning or developing credit strategies and monitoring portfolio performance.
Strong problem-solving skills and the ability to turn data into actionable, business-facing recommendations.
Excellent communication and stakeholder-management skills — comfortable operating as an embedded consultant.
Preferred
Personal loan or credit card credit risk experience.
Experience with alternative/cash-flow data, scorecard development, or decision engines.
Exposure to visualization tools (Tableau / Power BI) and version control (Git).
Prior client-facing or consulting experience.

Source: EXL careers