Senior Credit Risk Analyst

EXL

Analytics professional with 10+ years in Credit Risk Analytics for consumer lending products. Position focuses on data analysis, risk modeling, and business insight generation in banking.

Posted 6/5/2026full-timeCalifornia • 🇺🇸 United StatesSenior💰 $125,000 - $145,000 per yearWebsite

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Hard Skills

data analysisquantitative modelingdefault probability predictionrisk assessmentstatistical softwaremachine learningSQLPython

Soft Skills

communicationinterpersonal skillsproject managementteam collaboration

Tools & Technologies

PlaidAlloy

Industry Keywords

credit risk managementbanking regulationsrisk mitigation strategiescredit exposure tracking

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Understand the core credit cards business and the levers behind various decisions
Analyze large amounts of data to derive business insights and create innovative solutions/models/strategies
Clear articulation and structuring of business findings to the leadership and key partners.
Develop and maintain quantitative models to predict default probabilities and potential losses, incorporating statistical software or machine learning methods
Track and review credit exposures, identify risk concentrations, and recommend risk mitigation strategies to management
Prepare detailed risk assessment reports and present findings to credit committees or senior management
Ensure adherence to banking regulations, internal policies, and risk management frameworks

Requirements

What you’ll need

Minimum 10 years of experience in relevant domain - Data Analysis and building models/strategies.
Strong knowledge and working experience in SQL and Python is a must.
Experience in Plaid and Alloy required
Strong communication and interpersonal skills
Ability to drive project deliverables to achieve business results.
Ability to work effectively in a team environment.

Benefits

Comp & perks

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