Posted:21 hours ago|
Platform:
On-site
Full Time
Role: Credit Risk Strategy- CLI/CLD
Locations: Gurgaon/Bangalore/Pune
Notice Period: Immediate- 45 Days
Experience: 2-8 Years
Level: Mid-Senior
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 loss-curves ect.)
· Proficiency in SQL, SAS ,Python; familiarity with BI tools (Tableau, Power BI) is a plus.
· Excellent problem-solving, communication, and stakeholder management skills.
Thanks,
Bhavika
EXL
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gurugram, haryana, india
Salary: Not disclosed
