Credit Risk Strategy- CLI

As an EXL consultant with a leading US Financial Service Organization on an unsecured portfolio, your role will involve the following responsibilities: - 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 required for this role include: - Bachelor's degree in Finance, Economics, Statistics, Mathematics, or related field; Masters degree preferred. - 5-10 years of experience in analytics and decision science. - Strong understanding of credit scoring models, limit management frameworks, and portfolio risk analytics. - Proficiency in SQL, SAS, Python; familiarity with BI tools (Tableau, Power BI) is a plus. - Excellent problem-solving, communication, and stakeholder management skills. If you have the required qualifications and experience, and are looking to work in a challenging role with a dynamic team, this opportunity may be the right fit for you.,