Senior client-facing role leading transformation of credit risk reporting for a top US banking client across consumer lending portfolio (secured and unsecured) combining risk analytics with delivery leadership of a large-scale reporting automation program.
Key responsibilities:
- Portfolio performance analytics and risk insight - Analyze credit performance across consumer book: identify emerging trends, drivers of delinquency and loss movements, assess performance against risk appetite, connect portfolio outcomes to underlying credit strategy — acquisition quality, line management, and loss mitigation. Author the risk narrative presented to the client's senior risk leadership each cycle.
- Lead the reporting automation program — Manage the end-to-end automation of risk reporting suite in partnership with the data engineering team responsible for the automation: prioritize build, ensure business logic and analytical intent are correctly implemented, and own validation and sign-off on automated outputs.
- Own client engagement — Manage senior risk stakeholders, drive program roadmap, and be accountable for delivery.
Qualifications:
- Min. 4 years of consumer credit risk analytics experience at a bank or consumer lender, spanning portfolio analytics, credit strategy, performance reporting and risk appetite frameworks
- proven ability to present and defend risk positions with senior stakeholders
- SQL (mandatory) / Python proficiency preferred
Familiarity with modern data environments (Databricks/Snowflake) and experience guiding reporting automation or analytics modernization preferred
Base Compensation Range: $130,000- $145,000
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.
Skills Required
- At least 4 years of consumer credit risk analytics experience at a bank or consumer lender
- Experience spanning portfolio analytics, credit strategy, performance reporting, and risk appetite frameworks
- Ability to present and defend risk positions with senior stakeholders
- SQL proficiency
- Python proficiency
- Familiarity with modern data environments such as Databricks or Snowflake
- Experience guiding reporting automation or analytics modernization
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.
