Credit Risk Strategy Manager
EXL, New York, NY, United States
Credit Risk Strategy Manager We are seeking a highly analytical and commercially driven Credit Risk Strategy Manager to lead acquisition risk strategies for our Credit Card portfolio. This role will focus on optimizing approval strategies, leveraging open banking data, managing affiliate channel performance, and driving portfolio growth while maintaining risk discipline.
The ideal candidate has strong hands-on experience in SAS and SQL, deep understanding of credit risk frameworks, and exposure to digital acquisition channels including affiliate marketing.
Key Responsibilities
1. Acquisition Credit Risk Strategy
Develop, implement, and optimize credit card acquisition underwriting strategies.
Design approval, pricing, and limit assignment strategies aligned to risk appetite.
Monitor approval rates, bad rates, and portfolio performance.
Conduct segmentation analysis to identify growth opportunities while controlling risk.
Lead champion/challenger testing and strategy experiments
2. Open Banking Data Integration
Leverage open banking transaction-level data to enhance underwriting models.
Develop risk segmentation using income validation, cash flow patterns, and affordability signals.
3. Affiliate Channel Risk Management
Monitor performance across affiliate and digital acquisition channels.
Assess channel-specific risk trends and adverse selection.
Optimize strategy by affiliate source and customer segment.
4. Analytics & Reporting
Build analytical datasets using SQL.
Develop strategy logic and performance tracking using SAS.
Create dashboards and risk reporting for senior management.
Perform cohort analysis, vintage analysis, and early delinquency tracking.
5. Stakeholder Collaboration
Key Skills & Competencies
Strong quantitative and analytical skills
Strategic thinking with commercial acumen
Ability to translate data insights into actionable strategies
Strong communication and stakeholder management skills
Structured problem-solving approach
Ability to manage multiple priorities in a fast-paced environment
Graduate in Statistics, Mathematics, Finance, or a related field. 6-8 years of experience in risk analytics or data analysis.
The ideal candidate has strong hands-on experience in SAS and SQL, deep understanding of credit risk frameworks, and exposure to digital acquisition channels including affiliate marketing.
Key Responsibilities
1. Acquisition Credit Risk Strategy
Develop, implement, and optimize credit card acquisition underwriting strategies.
Design approval, pricing, and limit assignment strategies aligned to risk appetite.
Monitor approval rates, bad rates, and portfolio performance.
Conduct segmentation analysis to identify growth opportunities while controlling risk.
Lead champion/challenger testing and strategy experiments
2. Open Banking Data Integration
Leverage open banking transaction-level data to enhance underwriting models.
Develop risk segmentation using income validation, cash flow patterns, and affordability signals.
3. Affiliate Channel Risk Management
Monitor performance across affiliate and digital acquisition channels.
Assess channel-specific risk trends and adverse selection.
Optimize strategy by affiliate source and customer segment.
4. Analytics & Reporting
Build analytical datasets using SQL.
Develop strategy logic and performance tracking using SAS.
Create dashboards and risk reporting for senior management.
Perform cohort analysis, vintage analysis, and early delinquency tracking.
5. Stakeholder Collaboration
Key Skills & Competencies
Strong quantitative and analytical skills
Strategic thinking with commercial acumen
Ability to translate data insights into actionable strategies
Strong communication and stakeholder management skills
Structured problem-solving approach
Ability to manage multiple priorities in a fast-paced environment
Graduate in Statistics, Mathematics, Finance, or a related field. 6-8 years of experience in risk analytics or data analysis.