Senior Consultant

Role Overview

• Support tactical & strategic risk analytics initiatives for US based banks’ card team.
• Develop risk policy for unsecured & secured lending product.
• Design A/B testing frameworks with Design of Experiments (DOE) methodology to optimize risk management programs.
• Extract knowledge and insights from data to investigate complex business problems through a range of data preparation, modeling, analysis and/or visualization techniques, including predictive analysis, business intelligence, pattern recognition, operational effectiveness and/or economic forecasting.
• Work with client business and technical leads to gather functional requirements.
• Translate business requirements into specifications that will be used to implement the required reports and dashboards related to client-specific applications.
• Partner with EXL Senior Managers to aggregate all relevant insights into actionable strategic recommendations for the client.
• Utilize EXL analytics methodologies and analysis tools, such as SAS, R, SPSS, SQL, Hive, AWS, Python, and Microsoft Office to perform the following: data extraction, data understanding, variable reduction, Big Data processing, data analysis, model development, model stabilization, and model validation, summarization, visualization and presentation to carry out analysis and drive conclusions and reformulate highly technical information into concise, understandable terms for presentation to the team and the client.
• Policy analytics to ensure correct customer segments are targeted and acquired.
• Recommend changes to business strategy and risk management policies.
• Advanced analytics to support day-to-day operations, optimize processes and support overall operational goals by identifying areas of improvement.
• Propose and manage initiatives to improve operational efficiency, quality, and effectiveness through data driven recommendations.
• Work with cross functional teams, including legal and compliance/audit departments, to ensure guidelines are followed.
• Build reporting/BI frameworks for risk and operations teams within the organization.
• Evaluate effectiveness of current policies and strategies, manage the monthly dashboards and ad-hoc analysis, analyze tests and performance to funnel performance, portfolio verification performance, and post issuance loan performance.
• Clearly communicate analysis as presentations to technical and nontechnical groups.
• Develop and maintain effective working relationships with colleagues in other areas of Risk Management.
• Summarize analytical findings into presentations and share analysis and reports with senior leadership.
• Maintain a high degree of technical and policy understanding with respect to credit risk.
• Manage assigned projects in a timely manner, ensuring accuracy and that deliverables are met.
• Train and mentor junior team members in terms of projects and leadership.

Requirements

• Requires Master’s degree in Data Science, Business Analytics, Computer Engineering, Mathematics, Statistics, Economics, Operations Research or related field plus three (3) years of experience in Analytics and credit risk management.
• Must have at least three (3) years of experience with the following: Analytics tools including SQL, Python, R and SAS and data visualization platforms like Tableau, Power BI, Looker, etc.
• Utilizing R, Python and SAS for data retrieval & advanced transformation.
• Data modeling techniques, including regression analysis, clustering, time series modeling, and machine learning algorithms such as Decision Trees, Gradient Boosting, Random Forest methods, and text mining solutions through NLP.
• Big data cloud platforms such as AWS, data warehousing platforms such as Snowflake for processing large datasets, and data analytics platforms such as Databricks to process, analyze and visualize big data efficiently.
• Building reporting/BI frameworks for portfolio tracking and dashboarding tools such as Tableau.
• Designing A/B testing frameworks with Design of Experiments (DOE) methodology to optimize risk management programs.
• Knowledge in extracting and deriving insights from data to investigate complex business problems through a range of data preparation, modeling, analysis and/or visualization techniques, including predictive analysis, business intelligence, pattern recognition, operational effectiveness and/or economic forecasting.
• Proficiency with Microsoft office suite including PowerPoint, Excel and Advanced Excel tools.
• Portfolio Analytics, Marketing Analytics, and Forecasting.
• Analyzing and optimizing business processes through data-driven insights, delivering recommendations to enhance operational efficiency and strategic decision-making.
• Generating actionable insights, building structured analytical frameworks, and preparing high-impact presentation materials for executive stakeholders.
• Presenting analytical findings and strategic recommendations to senior management.
• Leading project planning and delivery by defining workstreams, tracking progress, and coordinating team efforts to ensure timely and high-quality outputs.
• Employer will also access Bachelor’s degree plus six (6) years of experience in lieu of Master’s degree plus three (3) years of experience in Analytics and credit risk management.

Tech Stack

• AWS
• Cloud
• Python
• SQL
• Tableau

Benefits

• Telecommuting permitted.
• Employee referral program.