Senior Credit Risk Analyst

Job Location: Preferred in California, otherwise Remote in US (PST Hours)
Work Mode: Hybrid (2-3 days/week in office if CA)
Salary Range: $125K - $145K/Year Base plus 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 https://www.exlservice.com/us-careers-and-benefits

Looking for an Analytics professional with 10+ years of work experience in Credit Risk Analytics in Acquisition and Account Management area in the banking and financial services space with a focus on Consumer Credit Cards/ Lending products.

Responsibilities:

• Business Knowledge: Understand the core credit cards business and the levers behind various decisions
• Analytics: Analyze large amounts of data to derive business insights and create innovative solutions/models/strategies  
• Communication: Clear articulation and structuring of business findings to the leadership and key partners.
• Risk Modeling: Develop and maintain quantitative models to predict default probabilities and potential losses, incorporating statistical software or machine learning methods 
• Portfolio Monitoring: Track and review credit exposures, identify risk concentrations, and recommend risk mitigation strategies to management 
• Reporting & Communication: Prepare detailed risk assessment reports and present findings to credit committees or senior management 
• Regulatory Compliance: Ensure adherence to banking regulations, internal policies, and risk management frameworks 

Skillset:

• Analytics professional preferably with experience in Credit Cards analytics. Should have good understanding of acquisition and account management areas.
• Minimum 10 years of experience in relevant domain - Data Analysis and building models/strategies.
• Strong knowledge and working experience in SQL and Python is a must.
• Experience in Plaid and Alloy required
• Strong communication and interpersonal skills
• Ability to drive project deliverables to achieve business results.
• Ability to work effectively in a team environment.