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.
Skills Required
- Bachelor's degree in a quantitative discipline such as Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering, or a related field
- Master's degree
- 5+ years of experience in credit risk, credit strategy, or risk analytics
- Consumer lending experience in banking, fintech, or analytics consulting
- Strong hands-on SQL skills for data extraction, manipulation, and analysis
- Strong hands-on Python skills for data extraction, manipulation, and analysis
- Working knowledge of decision trees, segmentation, and credit lifecycle concepts including underwriting, roll rates, and vintage analysis
- Experience owning or developing credit strategies and monitoring portfolio performance
- Strong problem-solving skills and ability to turn data into actionable business recommendations
- Excellent communication and stakeholder-management skills
- Ability to operate as an embedded consultant
- Personal loan or credit card credit risk experience
- Experience with alternative or cash-flow data, scorecard development, or decision engines
- Exposure to Tableau or Power BI
- Exposure to Git or version control
- Prior client-facing or consulting experience
EXL Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about EXL and has not been reviewed or approved by EXL.
-
Healthcare Strength — Medical plan options include HSA, HRA, and PPO choices, with additional health-related programs such as disability coverage and an employee assistance program. Feedback suggests these options provide meaningful flexibility and coverage breadth for many roles.
-
Leave & Time Off Breadth — Up to 20 days of paid time off, plus federal holidays and paid sick and safe time, are highlighted. Feedback suggests this leave structure is a notable benefit alongside core compensation.
-
Retirement Support — A traditional and Roth 401(k) with up to a 3% company match and full vesting after one year is described. Feedback suggests this match and vesting timeline help bolster long-term savings.
EXL Insights
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.
