The role will support the analysis, development and optimization of credit policies and strategies, with a focus on underwriting, credit line / loan amount assignment, and risk-based pricing. The individual will use analytical tools and data-driven insights to identify opportunities for profitable portfolio growth while effectively managing credit risk across the customer lifecycle.
Work Location: San Francisco Bay Area, CA
Work Mode: Hybrid (2-3 days/week in office)
Salary Range: $150K/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 Benefit
Responsibilities- Assist in the analysis, development and monitoring of credit policies, including underwriting, line assignment and pricing strategies.
- Analyze credit and portfolio data to identify opportunities for risk-adjusted growth and recommend policy changes.
- Develop and optimize underwriting criteria, credit line assignment and risk-based pricing strategies.
- Evaluate the impact of credit policy changes through portfolio analysis, scenario testing and experiments.
- Translate credit policies and strategies into business rules using SQL and Python.
- Monitor key credit risk and business performance metrics and proactively identify emerging trends.
- Collaborate with Risk, Product, Technology and Operations teams to implement credit policy changes.
- Strong analytical skills with hands-on experience in SQL; working knowledge of Python preferred.
- Experience in credit risk strategy, credit policy, underwriting or portfolio analytics within Banking / Financial Services.
- Good understanding of credit underwriting, line assignment / credit limit strategies and risk-based pricing.
- Ability to analyze customer, application, bureau and portfolio data to identify trends and develop credit policy recommendations.
- Experience in evaluating the impact of policy changes on approval rates, credit losses, profitability and portfolio growth.
- Understanding of credit risk concepts such as eligibility criteria, risk segmentation, cut-offs, affordability, exposure management and pricing.
- Ability to define and monitor relevant risk and business KPIs to measure strategy performance.
- Experience with strategy testing, scenario analysis and A/B testing is preferred.
- Knowledge of external credit data sources such as credit bureaus, FICO or similar third-party data is preferred.
- Strong problem-solving skills with the ability to translate analytical findings into actionable business recommendations.
- Ability to communicate and present analyses and recommendations effectively to business and risk stakeholders.
- Knowledge of coding best practices, data manipulation and development of reusable analytical frameworks.
Skills Required
- Strong analytical skills with hands-on SQL experience
- Working knowledge of Python
- Experience in credit risk strategy, credit policy, underwriting, or portfolio analytics within banking or financial services
- Understanding of credit underwriting, credit line assignment or credit limit strategies, and risk-based pricing
- Ability to analyze customer, application, bureau, and portfolio data
- Experience evaluating policy impacts on approval rates, credit losses, profitability, and portfolio growth
- Understanding of eligibility criteria, risk segmentation, cut-offs, affordability, exposure management, and pricing
- Ability to define and monitor risk and business KPIs
- Experience with strategy testing, scenario analysis, and A/B testing
- Knowledge of external credit data sources, including credit bureaus and FICO or similar data
- Strong problem-solving skills and ability to translate analysis into business recommendations
- Ability to communicate and present analyses and recommendations to business and risk stakeholders
- Knowledge of coding best practices, data manipulation, and reusable analytical frameworks
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.
