1985103-Manager

The candidate is expected to use analytical tools to identify opportunities to grow overall assets as well as manage risk. It involves managing risk management framework across customer lifecycle - acquisition, portfolio management and collections, across retail lending products. Responsibilities : Design, analyze, monitor credit risk strategies for different loan products such as personal loans, auto loans, etc. Identify the opportunity areas for portfolio growth and pro-actively communicate with stakeholders Collaborate across other risk functions (example - technology, product, etc.) to implement the analytical decisions Understand existing underwriting rules, strategies and replicate them in business rules using SAS/SQL Design and analyze income, employment, fraud verification strategies Develop, maintain and improve risk policies, strategies, processes and procedures within the assigned function Utilize application, bank and bureau information to derive business insights KPI generation, tracking of risk and delinquency metrics for portfolios using SQL/Tableau Revamp pricing strategy changes and launch A/B test to monitor impact and performance of the change Set up the process to run eligibility conditions for marketing campaigns such as cross - sell, etc. Requirements : Knowledge of and certifications in programming, Python/SQL/SAS Knowledge of best practices in coding, data manipulation and creating re-usable artifacts Knowledge of Banking / Financial Services Industry with preference in lending space (Personal Loans, Credit Cards, Auto loans etc.) Ability to create recommendations and insights from data for developing risk strategy Experience with creating and utilizing credit risk datamarts using internal and third party data (Experian, FICO, etc.) Ability to design the right KPIs for measuring strategy success Understanding of various elements of risk strategy, such as eligibility, verification, fraud and decline criteria Ability to communicate and present the results to business stakeholders Good knowledge of designing, implementing, and measuring statistically valid experiments (mainly A/B tests)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.