Credit Risk Strategy
EXL · Mumbai, India
FULL TIME
Job Description
Role Overview
Looking for an Analytics professional with 5+ years of work experience in banking / NBFC / Fintech sector in Credit Risk domain (Acquisition and Account Management areas) for personal loans / 0 interest EMI products / credit cards etc.
Responsibilities: Lead personal loans strategy across acquisition, underwriting, loan limit assignment, pricing, installment programs, and collections. Manage portfolio performance and drive sustainable, risk-adjusted growth. Develop and refine credit policies, risk appetite, decision frameworks, and portfolio guardrails. Monitor portfolio health, including delinquency, utilization, profitability, customer behavior, and vintage performance. Use internal, bureau, and alternative data to identify opportunities and improve results. Handle large amounts of data to derive business insights and create innovative solutions/models/strategies. Clear articulation and structuring of business findings to the leadership and key partners. Handling team of analysts and guide them in their tasks. Handle critical projects and contribute to acquisition policy formulation and risk management
Skillset: Minimum 5+ years’ experience into Banking Analytics (Risk domain) across any of the functions – acquisition / account management / collection / fraud with a leading bank / Fintech / NBFC Experience in building credit risk models/strategies. Experience with alternate data usage (especially in Underwriting) Strong knowledge and working
experience in SQL are a must. Knowledge of
Python and ML is a big plus . Strong communication
and interpersonal skills Ability to drive project deliverables to achieve business results. Ability to work effectively in a team environment. Notice period : 30-90 days.
Early joiners preferred.
Education: Bachelors or master's in quantitative field such as Economics, Statistics, Mathematics BTech/MTech/MBA from Tier 1 colleges (IIT, NIT, IIM)
Preferred companies: Citibank, JPMC, AMEX, Standard Chartered, Bank of America, Axis bank, ICICI Bank, Kotak Mahindra Bank, HDFC bank, Accenture, EY, top banking analytics consulting firms.
Opportunity to work with a fast-paced digital bank.
Looking for an Analytics professional with 5+ years of work experience in banking / NBFC / Fintech sector in Credit Risk domain (Acquisition and Account Management areas) for personal loans / 0 interest EMI products / credit cards etc.
Responsibilities: Lead personal loans strategy across acquisition, underwriting, loan limit assignment, pricing, installment programs, and collections. Manage portfolio performance and drive sustainable, risk-adjusted growth. Develop and refine credit policies, risk appetite, decision frameworks, and portfolio guardrails. Monitor portfolio health, including delinquency, utilization, profitability, customer behavior, and vintage performance. Use internal, bureau, and alternative data to identify opportunities and improve results. Handle large amounts of data to derive business insights and create innovative solutions/models/strategies. Clear articulation and structuring of business findings to the leadership and key partners. Handling team of analysts and guide them in their tasks. Handle critical projects and contribute to acquisition policy formulation and risk management
Skillset: Minimum 5+ years’ experience into Banking Analytics (Risk domain) across any of the functions – acquisition / account management / collection / fraud with a leading bank / Fintech / NBFC Experience in building credit risk models/strategies. Experience with alternate data usage (especially in Underwriting) Strong knowledge and working
experience in SQL are a must. Knowledge of
Python and ML is a big plus . Strong communication
and interpersonal skills Ability to drive project deliverables to achieve business results. Ability to work effectively in a team environment. Notice period : 30-90 days.
Early joiners preferred.
Education: Bachelors or master's in quantitative field such as Economics, Statistics, Mathematics BTech/MTech/MBA from Tier 1 colleges (IIT, NIT, IIM)
Preferred companies: Citibank, JPMC, AMEX, Standard Chartered, Bank of America, Axis bank, ICICI Bank, Kotak Mahindra Bank, HDFC bank, Accenture, EY, top banking analytics consulting firms.
Opportunity to work with a fast-paced digital bank.
Details
| Company | EXL |
| Location | Mumbai, India |
| Type | FULL TIME |
| Niche | general |