About this role
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. • Credit Line Strategy Development - Create strategies for Initial Line Assignment / Line Management. • 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.
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. • Credit Line Strategy Development - Create strategies for Initial Line Assignment / Line Management. • 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.
• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or related field; Master’s degree preferred. • 3-10 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 etc.) • Proficiency in SQL, SAS, Python; familiarity with BI tools (Tableau, Power BI) is a plus. • Excellent problem-solving, communication, and stakeholder management skills.