As the Risk Strategy and Pricing Engagement Manager, you will play a pivotal role in analyzing and designing credit risk and pricing strategies for Fintech clients. This position requires extensive experience in the lending industry, along with a profound understanding of various business functions such as Credit Risk, Product, and Analytics. A significant plus would be having experience working with third-party channels and devising credit and pricing policies for them. Your problem-solving skills, product sense, and ability to work effectively cross-functionally will be key to your success.
Work Location: San Francisco, CA
Work Mode: Hybrid (2-3 days/week in office)
Salary Range: $150K/Yr - $180K/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
Responsibilities- Primary day-to-day client contacts and often interact with C-level executives.
- Analyze volume & funnel trends to optimize pricing and impact on RoEs
- Analyze credit performance and come up with recommendations to optimize credit policies
- React to market dynamics on third party channels and help senior management make informed decisions
- Act as a channel manager for certain origination channels – in terms of managing credit policies, running tests and optimizing pricing
- Stakeholder Collaboration: Collaborate with and drive alignment among various stakeholders across the organization
- Manage Offshore Team: Lead and coordinate (incl. project planning) with offshore team for analytical support and to ensure seamless execution
- 7+ years of experience in Credit risk strategy, along with in consulting, solution design and client management
- Relevant experience within the Banking or FinTech industry; preferred if experience in point-of-sale financing
- SQL , Python
- Origination channel manage experience
- Credit cards/lending expertise (Acquisitions/Underwriting)
- Demonstrable leadership ability, superior problem solving and people management skills
- Excellent communication, presentation and story building skills in a consulting setup
- Master's degree in economics, mathematics, computer science/engineering, operations research or related analytics areas; candidates with BA/BS degrees in the same fields from the top tier academic institutions are also welcome to apply
Skills Required
- 8+ years of experience in credit risk strategy, consulting, solution design, and client management
- SQL and Python proficiency
- Experience managing origination channels
- Credit cards or lending expertise, including acquisitions or underwriting
- Leadership, problem-solving, and people management skills
- Excellent communication, presentation, and storytelling skills in a consulting environment
- Master's degree in economics, mathematics, computer science, engineering, operations research, or a related analytics field
- BA or BS degree in a related field from a top-tier academic institution
- 7+ years of relevant experience in banking or fintech
- Experience in point-of-sale financing
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.
