3562971-Manager

A successful candidate would work as a EXL consultant with a leading US Financial Service Organization on an unsecured portfolio. The job will require the consultant to work on:Analyze customer credit profiles, transaction patterns, and repayment behavior to recommend credit limit adjustments in both proactive and reactive scenarios.Develop and refine risk models, decision frameworks, and scoring methodologies for credit limit increase decisions.Monitor portfolio performance, early warning indicators, and risk trends, escalating concerns as needed.Collaborate with cross-functional teams including underwriting, fraud prevention, compliance, and customer experience to implement risk controls and enhance credit policies.Design and execute scenario analysis to assess potential risk exposures.Ensure adherence to regulatory requirements, responsible lending practices, and internal credit guidelines.Support reporting and governance by preparing insights for senior management, audit, and compliance reviews.Qualifications:Bachelor's degree in Finance, Economics, Statistics, Mathematics, or related field; Master's degree preferred.5-10 years experience in analytics and decision science.Strong understanding of credit scoring models, limit management frameworks, and portfolio risk analytics.Risk analytics experience : Portfolio Analytics, Acquisition and Line Management, Policy and audit analysis, Reporting / Dashboarding, Performance tracking (should have a knowledge of risk concepts like delinquencies , pre-payments and losscurves ect.)Proficiency in SQL, SAS,Python; familiarity with BI tools (Tableau, Power BI) is a plus. Excellent problem-solving, communication, and stakeholder management skills.EXL is the indispensable partner for leading businesses in data-led industries such as insurance, banking and financial services, healthcare, retail and logistics. We bring a unique combination of data, advanced analytics, digital technology and industry expertise to help our clients turn data into insights, streamline operations, improve customer experience, and transform their business. Our partnerships with clients are built on a foundation of collaboration - and we've been chosen as a partner by nine of the top ten leading US insurance companies, nine of the top 20 global banks, and six of the top ten US health care payers. We function as one team to make your goals our goals, whether that's unlocking the value of generative AI or embedding analytics into workflows that reduce risk or power your growth. Clients choose EXL as their transformation partner for many reasons. Our geographic diversity make talent all over the world instantly accessible. Digital accelerators enable unmatched speed-to-value, letting you realize results fast. It's our people that truly set us apart, though, including the 1,500 data scientists we have dedicated to our generative AI practice. And our more than twenty years of experience in delivering business services, garnering stellar client references, and maintaining a solid balance sheet are reassuring to our C-suite clients. Find out for yourself why clients, employees, and analysts think we're some of the best in the business. Contact us to see how we can help you achieve your goals.