Work Location: Wilmington, DE
Work Mode: Hybrid (4 days/week in office)
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 Benefits
We are seeking a highly skilled and experienced Credit Risk Lead to join our dynamic team. The ideal candidate will be responsible for developing and implementing credit risk frameworks to optimize the risk and profitability, ensuring the stability of client portfolio.
Responsibilities- Develop and implement credit risk strategies by collaborating with cross-functional stakeholders, including Regulatory, Product, Analytics, and Risk teams, ensuring alignment with business objectives and compliance requirements.
- Conduct end-to-end data analysis across multiple stages of the credit lifecycle, including Existing Customer Management (ECM), Acquisition, Credit Line Increase (CLI), and Credit Line Decrease (CLD), to identify risks, opportunities, and performance improvement areas.
- Monitor and track portfolio performance metrics, analyzed emerging trends, and recommended strategic enhancements to optimize risk-adjusted returns and portfolio health.
- Present analytical insights and strategic recommendations to senior leadership, driving consensus through governance forums and securing approvals for policy and strategy implementation.
- Leverage a strong understanding of lending products and credit risk frameworks to identify performance gaps, evaluate strategy effectiveness, and implement data-driven optimization initiatives.
- Partner with business and risk stakeholders to design, test, and deploy credit policy changes, ensuring successful execution and measurable business impact.
- Educational Background: Bachelor's or higher degree in engineering or any relevant field
- Industry Experience: Minimum of 7 years of experience in credit risk management, with a focus on strategy development. Previous experience of analytics consulting in Banking Domain.
- Technical Skills: Strong proficiency in SQL or Python is essential. Preference to Hands-on experience with Databricks
- Analytical Skills: Strong analytical and problem-solving skills. Past experience in statistical analysis and financial modeling.
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Communication Skills: Strong communication and interpersonal skills, with the ability to collaborate effectively with stakeholders at all levels. Leadership experience with a track record of managing and developing high-performing teams.
Skills Required
- Bachelor's degree in engineering or relevant field
- Minimum 7 years of experience in credit risk management with focus on strategy development; analytics consulting in banking domain
- Proficiency in SQL or Python
- Hands-on experience with Databricks
- Experience in statistical analysis and financial modeling
- Strong communication and interpersonal skills; leadership experience managing and developing teams
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.
