Senior Quantitative Credit Risk Strategist

About the role

EXL seeks a Senior Quantitative Credit Risk Strategist to join its data‑driven team in Gurugram. The role involves analyzing customer data to uncover risk drivers, designing credit policies, and steering underwriting and collections strategies to meet risk‑return targets. Candidates will collaborate with product, operations, and R&D to test and launch new credit products, leveraging A/B testing and advanced analytics. The ideal profile blends 3+ years of retail/consumer finance risk experience, a quantitative master’s degree, and hands‑on expertise in SQL, Python/R, Excel, Tableau, and statistical modeling. Strong analytical mindset, attention to detail, and a proactive attitude are essential for influencing cross‑functional teams and driving business growth.

What you’ll do

• Analyze data to identify risk drivers and propose mitigation strategies.
• Set credit strategy and policy to mitigate risk and drive business growth.
• Set underwriting and account management strategy.
• Collaborate with R&D, Product, and Operations on testing and launching new features/products.

What you’ll bring

• 3+ years in retail/consumer/SMB finance credit risk or strategy roles.
• Hands‑on experience with data analytics to drive credit risk strategy.
• Experience in A/B testing and statistical modeling.

Skills

Education

Bachelor's Degree