Work Location: Remote, US (EST Hours)
Salary Range: $140K/Yr - $170K/Yr Base + Annual Bonus
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
For more information on benefits and what we offer please visit us at US Careers and Benefits
The person in this role will work directly with the client and play a critical role in shaping how credit decisions, portfolio performance, and risk-adjusted revenue decisions are made. You’ll work on the full credit lifecycle from strategy and pricing to portfolio health and performance, ensuring the risk approach supports sustainable growth and strong financial outcomes. Your work will directly influence profitability, capital efficiency, and long-term scalability.
Key areas you will support include -
- Credit Strategy & Portfolio Ownership – Driving portfolio performance, risk appetite, and policy direction
- Pricing Strategy & Optimization – Balancing competitiveness and profitability across segments
- Cross-Functional Leadership – Aligning credit strategy with Finance, Product, Sales, and Underwriting
Decision Accountability & Performance Oversight – Ensuring analytics and data teams deliver business impact
How you’ll be measured:
- Portfolio Performance Ownership - Own IRR, cohort performance, roll rates, and funnel conversion metrics, ensuring alignment with company growth and profitability goals
- Credit & Pricing Strategy Leadership - Define and evolve credit policy, underwriting strategy, and pricing frameworks that optimize risk-adjusted returns
- Executive Influence & Cross-Functional Alignment - Partner across Finance, Product, Sales, and Operations to ensure consistent execution of credit strategy and influence business outcomes
- Bachelor’s degree in finance, economics, mathematics, or a related field required; advanced degree preferred
- 10+ years of progressive experience in credit risk with direct ownership of portfolio performance
- 3+ years in a director-level or higher leadership role managing teams
- Strong experience in small business lending, alternative finance, Merchant Cash Advances or non-prime environments preferred
- Proven track record of making credit and pricing decisions with measurable business impact
Experience operating at an executive level with strong cross-functional influence
Tools and Expertise You’ll Bring:
- Deep expertise in portfolio management, pricing strategy, and unit economics
- Strong understanding of underwriting processes, credit policy design, and segmentation strategies
- Ability to interpret and challenge analytics outputs without direct model development ownership
- Advanced proficiency in Excel; working knowledge of SQL and BI tools for data interpretation
- Familiarity with credit decisioning systems, data vendors, and fraud tools
- Experience leveraging data to inform strategy, stress testing, and scenario planning
Skills Required
- Bachelor's degree in finance, economics, mathematics, or related field
- Advanced degree
- 10+ years of progressive experience in credit risk with direct ownership of portfolio performance
- 3+ years in a director-level or higher leadership role managing teams
- Proven track record of making credit and pricing decisions with measurable business impact
- Experience operating at an executive level with strong cross-functional influence
- Strong experience in small business lending, alternative finance, Merchant Cash Advances, or non-prime environments
- Deep expertise in portfolio management, pricing strategy, and unit economics
- Strong understanding of underwriting processes, credit policy design, and segmentation strategies
- Ability to interpret and challenge analytics outputs without direct model development ownership
- Advanced proficiency in Excel
- Working knowledge of SQL and BI tools for data interpretation
- Familiarity with credit decisioning systems, data vendors, and fraud tools
- Experience leveraging data to inform strategy, stress testing, and scenario planning
What We Do
Choosing a digital partner is about more than capabilities — it’s about collaboration and character. Unrealistic overhauls and off-the-shelf products ignore what matters most — your unique needs, culture, goals, and your legacy data and technology environments. At EXL, our collaboration is built on ongoing listening and learning to adapt our methodologies. We’re your business evolution partner—tailoring solutions that make the most of data to make better business decisions and drive more intelligence into your increasingly digital operations. Whether your goals are scaling the use of AI and digital, redesign operating models, or driving better and faster decisions, we’re here to partner with you to help you gain—and maintain—competitive advantage with efficient, sustainable models at scale. Our expertise in transformation, data science, and change management helps make your business more efficient and effective, improve customer relationships and enhance revenue growth. Instead of focusing on multi-year, resource- and time-intensive platform designs or migrations, we look deeper at your entire value chain to integrate strategies with impact. We use our specialization in analytics, digital interventions, and operations management—alongside deep industry expertise — to deliver solutions that help you outperform the competition. At EXL, it’s all about outcomes—your outcomes—and delivering success on your terms. Share your goals with us and together, we’ll optimize how you leverage data to drive your business forward. For more information, visit www.exlservice.com.
