Job Description - Credit Risk Analyst
Domain: Banking & Financial Services (Credit Cards)
EXL is a global analytics and digital solutions company that partners with clients to improve business outcomes and unlock growth. Bringing together deep domain expertise with robust data, powerful analytics, cloud, and AI, we create agile, scalable solutions and execute complex operations for the worlds leading corporations in industries including insurance, healthcare, banking and financial services, media, and retail, among others. Focused on driving faster decision-making and transforming operating models, EXL was founded on the core values of innovation, collaboration, excellence, integrity and respect. Headquartered in New York, our team is over 34,000 strong, with more than 50 offices spanning six continents.
EXL never requires or asks for fees/payments or credit card or bank details during any phase of the recruitment or hiring process and has not authorized any agencies or partners to collect any fee or payment from prospective candidates. EXL will only extend a job offer after a candidate has gone through a formal interview process with members of EXLs Human Resources team, as well as our hiring managers.
Role Overview:
- As a Credit Risk Analyst, you will support U.S. and global banking clients in developing data-driven strategies across the credit card lifecycle.
- You will use SQL and analytics to evaluate portfolio performance, identify risk trends, and recommend actions to improve credit outcomes.
Key Responsibilities:
- Extract and analyze customer, bureau, and transaction data using SQL
- Build dashboards, reports, and insights for credit risk performance
- Support development of underwriting, line management, pricing, and collections strategies
- Track key metrics such as delinquency, roll rates, utilization, NCL, vintage performance
- Conduct ad-hoc deep dives to identify drivers of risk and profitability
- Collaborate with onsite stakeholders and internal teams to present findings
Must-Have Skills:
- Strong knowledge of SQL (joins, aggregation, case when, window functions preferred)
- Analytical mindset with basic understanding of statistics
- Proficiency in Excel / Power BI / Python (nice to have)
- Ability to interpret data and communicate insights clearly
Preferred Skills:
- Knowledge of credit card lifecycle and risk concepts
- Experience with SAS / Python / Tableau / Power BI
- Understanding of credit bureau data (CIBIL/Experian/Equifax)
Qualifications:
- Bachelor's degree in Engineering, Statistics, Mathematics, Economics, Finance, or similar
- Freshers with strong analytical foundation are welcome
What EXL Offers?
- Exposure to global banking clients
- Fast-paced learning and career growth in risk analytics
- Culture of mentorship and domain training
Didn’t find the job appropriate? Report this Job
