Work Location: NYC
Work Mode: Hybrid (3 days/week in office)
Pay Range: $130K/Yr - $150K/Yr Base + Annual Bonus

The posted range is the hiring range for this role — a subset of the broader range available to employees over time — and reflects base salary across our national hiring scale. Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position. The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process

For more information on benefits and what we offer please visit us at https://www.exlservice.com/us-careers-and-benefits

Role Summary:

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.