Job Description: Key Responsibilities
- Design, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections).
- Perform detailed portfolio analysis using internal data, bureau attributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization.
- Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques.
- Deliver MIS reports, dashboards, and performance reviews to monitor portfolio trends, assess strategy effectiveness, and inform business decisions.
- Collaborate with client stakeholders and cross-functional teams (Product, Finance, Operations, Compliance, Technology) to align credit strategies with business objectives.
- 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 EXL’s credit risk solutions effectively.
- Identify opportunities to expand engagements through cross-sell/up-sell of analytics, modeling, and risk consulting services.
