We are seeking an experienced Strategy Manager to develop and implement credit risk frameworks that optimize risk and profitability and protect portfolio stability. The role partners with Product and Marketing teams to shape credit card and consumer lending products, customer acquisition, and portfolio growth through data-driven analytics.
Work Location: Horsham, Pennsylvania
Work Mode: Onsite
Salary Range: $115K - $135K/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
ResponsibilitiesDevelop and implement credit risk strategies with Regulatory, Product, Marketing, Analytics, Fraud, and Risk teams, aligned to business objectives and compliance requirements.
Present insights and recommendations to senior leadership, building consensus through governance forums and securing approval for policy and strategy changes.
Design, test, and deploy credit policy changes, including risk-tiering and acquisition underwriting for credit card portfolios, and measure their business impact.
Own product management for credit card offerings and digital journeys: define requirements and KPIs, prioritize roadmaps with Product, Technology, and Operations, and run A/B and rule experiments that protect conversion while controlling fraud and losses.
Lead marketing analytics for acquisition and portfolio growth, measuring campaign performance, funnel conversion, segmentation, acquisition cost, and lifetime value against risk-adjusted returns to guide targeting, pricing, and go-to-market decisions.
Size markets and build business cases for new product launches and market entries, using scenario analysis and simulation and embedding KYC, AML, and regulatory requirements from launch.
Monitor portfolio performance through executive dashboards, analyze trends and loss forecasts, and recommend actions that improve risk-adjusted returns and portfolio health.
Educational Background: Bachelor's or higher degree in engineering or a related field; MBA preferred, ideally with a focus on strategy and product management.
Industry Experience: 6+ years in credit risk management with a focus on strategy development; analytics consulting experience in banking, including product or marketing analytics for credit card or consumer lending portfolios.
Technical Skills: Strong proficiency in SAS, SQL, or Python. Preferred: AWS SageMaker, Snowflake, Power BI, Tableau, and A/B testing. A plus: Python/SQL workflow tooling, LLM-enabled analytics, or machine learning or SAS certifications.
Analytical Skills: Strong problem-solving skills and experience in statistical analysis, loss forecasting, simulation-based market sizing, and financial modeling.
Product Management Skills: Experience owning or partnering on strategy for credit card, or digital products, including requirements, KPIs, roadmap prioritization, and launches from concept to scale.
Communication Skills: Strong communication and stakeholder management skills across all levels; proven record of leading and developing high-performing teams.
Experience in a bank or fintech analytics, risk, or fraud team. Launching new products from zero to scale is a plus.
Skills Required
- Bachelor's degree or higher in engineering or a related field
- 6+ years of experience in credit risk management focused on strategy development
- Analytics consulting experience in banking, including product or marketing analytics for credit card or consumer lending portfolios
- Strong proficiency in SAS, SQL, or Python
- Strong problem-solving skills and experience in statistical analysis, loss forecasting, simulation-based market sizing, and financial modeling
- Experience owning or partnering on strategy for credit card or digital products, including requirements, KPIs, roadmap prioritization, and launches
- Strong communication and stakeholder management skills across all organizational levels
- Proven record of leading and developing high-performing teams
- Experience in a bank or fintech analytics, risk, or fraud team
- MBA, ideally focused on strategy and product management
- Experience with AWS SageMaker, Snowflake, Power BI, Tableau, and A/B testing
- Python or SQL workflow tooling, LLM-enabled analytics, or machine learning or SAS certifications
- Experience launching new products from zero to scale
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
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