EXL Service - Pricing & Profitability Consultant

Job Summary

We are looking for a strategic Pricing and Profitability Consultant to join our Customer Risk team. This role will drive initiatives across unsecured, secured, and insurance products to optimize risk-adjusted returns, define risk appetite, and simulate lending strategies using customer-level profitability insights and scenario models.

Key Responsibilities

- Develop account-level profitability models by defining revenue and cost drivers tailored to product types and segments.

- Conduct deep dives into profitability by product, risk, price, and customer cohort, identifying high-ROE and low-retention segments.

- Define risk appetite thresholds, simulate risk-return trade-offs, and design concentration risk limits aligned with portfolio strategy.

- Create and monitor price-point strategies to unlock margin value and customer lifetime profitability.

- Translate customer behavior and CLTV insights into segment-specific lending strategies.

- Run lending strategy simulations under macro, portfolio, and customer behavior scenarios to guide tactical decisions.

- Work with product and finance stakeholders to shape Go/No-Go decisions and long-term capital planning.

- Support the build-out of performance dashboards and visualize pricing, profitability, and strategy metrics using Power BI or similar tools.

Required Skills & Experience

- 10+ years in retail banking, risk analytics, and profitability modeling.

- Strong understanding of RoE, customer lifetime value, and portfolio risk-return frameworks.

- Hands-on expertise in segmentation, pricing analytics, and capital allocation.

- Proficiency in SAS/Python, Excel and PowerPoint for insight generation.

- Experience working with cross-functional teams across product, risk, finance, marketing, and data engineering.

- Familiarity with lending simulation models, stress testing, or capital demand forecasting.