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EXL
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Manager

Manager

EXL

10 years

0 Lacs

gurgaon haryana india

Posted:1 month ago| Platform:

Apply

Skills Required

pricing risk drive lending strategies retention design portfolio strategy simulations macro finance support visualize metrics power analytics segmentation sas python excel powerpoint marketing data simulation testing

Work Mode

On-site

Job Type

Full Time

Job Description

Pricing and Profitability Consultant – Personal and Private Banking

Job Summary

We are looking for a strategic

Pricing and Profitability Consultant

to join our Customer Risk team. This role will drive initiatives across

unsecured

secured

, and

insurance

products to optimize

risk-adjusted returns

, define

risk appetite

, and simulate lending strategies using

customer-level profitability insights

and

scenario models

Key Responsibilities

Develop account-level profitability models by defining revenue and cost drivers tailored to product types and segments.
Conduct deep dives into profitability by product, risk, price, and customer cohort, identifying high-ROE and low-retention segments.
Define risk appetite thresholds, simulate risk-return trade-offs, and design concentration risk limits aligned with portfolio strategy.
Create and monitor price-point strategies to unlock margin value and customer lifetime profitability.
Translate customer behavior and CLTV insights into segment-specific lending strategies.
Run lending strategy simulations under macro, portfolio, and customer behavior scenarios to guide tactical decisions.
Work with product and finance stakeholders to shape Go/No-Go decisions and long-term capital planning.
Support the build-out of performance dashboards and visualize pricing, profitability, and strategy metrics using Power BI or similar tools.

Required Skills & Experience

10+ years in retail banking , risk analytics, and profitability modeling.
Strong understanding of RoE, customer lifetime value, and portfolio risk-return frameworks.
Hands-on expertise in segmentation, pricing analytics, and capital allocation.
Proficiency in SAS/Python, Excel and PowerPoint for insight generation.
Experience working with cross-functional teams across product, risk, finance, marketing, and data engineering.
Familiarity with lending simulation models, stress testing, or capital demand forecasting.

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