EXL’s Credit Risk Practice works with leading banks, fintechs, and financial institutions to design and implement advanced risk management strategies. EXL is seeking a Credit Risk Strategy Specialist with deep expertise in Commercial or Small Business Lending to drive credit strategy development, portfolio management, and risk optimization across products such as Commercial Cards, Corporate Card Programs, Small Business Cards & Loans, Commercial Payments. Commercial Lines of Credit (LOC) - Secured / Unsecured; experience with Equipment Lending, Mortgage, HELOC is a plus.
This role requires deep analytical expertise, strong business acumen, and the ability to translate data-driven insights into effective risk strategies that balance growth and profitability within client risk appetite. Additionally, it requires strong consultative and relationship-building skills with ability to influence senior stakeholders.
Work Location: Remote, US (Occasional travel along the East Coast for important client meetings, particularly in New York, New Jersey, and Delaware areas)
Salary Range: $130K/Yr - $165K/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- 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.
- Partner with business development teams to support proposal creation, client pitches, and delivery of value-driven outcomes.
- Bachelor’s degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Master’s preferred.
- 6+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services.
- Strong expertise in commercial lending or small business lending products (like Commercial Cards, Corporate Card Programs, Small Business Cards & Loans, Commercial Payments. Commercial Lines of Credit (LOC) - Secured / Unsecured) and credit lifecycle strategies.
- Experience with Equipment Lending, Mortgage, HELOC is a plus.
- Proficiency in SQL, Python / SAS (Tableau is a plus).
- Solid background in data modeling, segmentation, regression, and statistical techniques for risk decisioning.
- Ability to synthesize complex analysis into clear recommendations for senior management.
- Strong communication, presentation, and stakeholder collaboration skills.
- Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.
- Preferred: Experience leveraging alternative data and innovative analytical approaches in credit strategy development.
- Proven experience in managing client accounts with a track record of delivering measurable impact.
- Business development mindset with experience in proposal writing, solutioning, or contributing to revenue growth initiatives.
Skills Required
- Bachelor's degree in Business, Finance, Statistics, Mathematics, Engineering, or a related field
- 6+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services
- Expertise in commercial lending or small business lending products and credit lifecycle strategies
- Proficiency in SQL and Python or SAS
- Experience with data modeling, segmentation, regression, and statistical techniques for risk decisioning
- Ability to synthesize complex analysis into recommendations for senior management
- Strong communication, presentation, and stakeholder collaboration skills
- Knowledge of credit risk regulatory requirements, governance frameworks, and digital lending trends
- Proven experience managing client accounts and delivering measurable impact
- Business development experience, including proposal writing, solutioning, or revenue growth initiatives
- Master's degree
- Experience with Equipment Lending, Mortgage, or HELOC
- Tableau proficiency
- Experience leveraging alternative data and innovative analytical approaches
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.
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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.
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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.
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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.
