Leads consumer credit risk analytics and reporting transformation for a banking client. Analyzes portfolio performance, delinquency and loss trends, risk appetite, acquisition quality, line management, and mitigation strategies. Manages automation of risk reporting with data engineering partners, validates outputs, authors risk narratives, guides program roadmaps, and engages senior client stakeholders.
Senior client-facing role leading transformation of credit risk reporting for a top US banking client across consumer lending portfolio (secured and unsecured) combining risk analytics with delivery leadership of a large-scale reporting automation program.
Key responsibilities:
- Portfolio performance analytics and risk insight - Analyze credit performance across consumer book: identify emerging trends, drivers of delinquency and loss movements, assess performance against risk appetite, connect portfolio outcomes to underlying credit strategy — acquisition quality, line management, and loss mitigation. Author the risk narrative presented to the client's senior risk leadership each cycle.
- Lead the reporting automation program — Manage the end-to-end automation of risk reporting suite in partnership with the data engineering team responsible for the automation: prioritize build, ensure business logic and analytical intent are correctly implemented, and own validation and sign-off on automated outputs.
- Own client engagement — Manage senior risk stakeholders, drive program roadmap, and be accountable for delivery.
Qualifications:
- Min. 4 years of consumer credit risk analytics experience at a bank or consumer lender, spanning portfolio analytics, credit strategy, performance reporting and risk appetite frameworks
- proven ability to present and defend risk positions with senior stakeholders
- SQL (mandatory) / Python proficiency preferred
Familiarity with modern data environments (Databricks/Snowflake) and experience guiding reporting automation or analytics modernization preferred
Base Compensation Range: $130,000- $145,000
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.
EXL (NASDAQ: EXLS) is a leading data analytics and digital operations and solutions company. We partner with clients using a data and AI-led approach to reinvent business models, drive better business outcomes and unlock growth with speed. EXL harnesses the power of data, analytics, AI, and deep industry knowledge to transform operations for the world’s leading corporations in industries including insurance, healthcare, banking and financial services, media and retail, among others. EXL was founded in 1999 with the core values of innovation, collaboration, excellence, integrity and respect. We are headquartered in New York and have more than 54,000 employees spanning six continents. For more information, visit www.exlservice.com.
EXL Richmond, California, USA Office
Richmond, United States
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