Lead Credit Risk Strategy

2 weeks ago

India, IN EXL Full time

Dear Candidate:


Overview:

We are seeking a highly analytical and detail-oriented professional to join our Credit Risk Strategy team. The Risk Strategy Specialist will be responsible for developing data-driven strategies and policies to enhance risk management, evaluate framework effectiveness, manage subject specific dashboards and mentor team members. This role requires strong analytical skills, proficiency in data tools, and a deep understanding of consumer banking products and credit risk.

Responsibilities:

  • Drive tactical and strategic risk analytics for US bank Risk teams.
  • Develop risk policies for POS lending, BNPL, and credit cards.
  • Develop and implement comprehensive credit risk strategies to manage and mitigate risk across various credit products.
  • Design A/B testing frameworks using DOE to enhance risk management.
  • Lead the development of new rules and strategy by leveraging the existing data, managing the campaigns/monthly/ad-hoc dashboards, analyzing the trends and performing ad-hoc analysis.
  • Perform policy analytics to ensure accurate customer targeting. Recommend improvements to business strategies and risk policies across acquisition and collections.
  • Evaluate policy effectiveness, manage dashboards, and analyze performance metrics.
  • Collaborate with cross-functional Risk Management teams. Summarize and report insights to senior leadership.
  • Maintain strong credit risk knowledge.
  • Manage projects with accuracy and timely delivery.
  • Mentor and develop team members.


Qualifications:

  • Educational Background: A degree in Statistics, Mathematics, Computer Science, or a related field. (IIT/NIT preferred)
  • Industry Experience: 8+ years of proven experience in credit risk and analytics role within banking, fintech, or financial services. Excellent team management and client-facing skills.
  • Technical Skills: Strong proficiency in SAS/Python and SQL. Hands-on experience with Tableau/ Power BI, Excel and PowerPoint.
  • Analytical Skills: Strong analytical and problem-solving skills. Past experience in statistical analysis and knowledge of banking products.
  • Excellent understanding of credit risk principles, regulatory requirements, and industry best practices.
  • Communication Skills: Strong communication and interpersonal skills, with the ability to collaborate effectively with stakeholders at all levels and types (technical/non-technical). Leadership experience with a track record of managing and developing high-performing teams.
  • Location: Gurgaon/Bangalore


Thanks,

Bhavika

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