FP&A Manager, GTM Finance - Credit Products

EXL is seeking an FP&A Manager for GTM Finance focused on Credit Products. In this role, you will partner with various teams to model pricing, evaluate profitability, and structure deals, primarily within the credit business. Your responsibilities will include building financial models, collaborating on deal structures, and providing insights to support business growth.

Responsibilities:

• Serve as the financial partner to Sales on live credit deals — modeling the full economic stack: interchange, finance charges, fees, rewards costs, cost of funds, expected losses, network fees, and sponsor bank revenue share
• Build deal-level models that capture the full life-of-portfolio economics — not just first-year interchange, but how the deal performs as the portfolio matures, revolve rates stabilize, and losses curve in
• Partner with Credit Risk and Capital Markets teams to make sure every deal model reflects realistic loss assumptions, funding costs, and capital efficiency considerations
• Partner with the credit function to build the foundational models for credit product including monthly projections of volumes, receivables, payment rates and loss curves with clearly defined assumptions for each metric and tied to actual industry and internal data, including scenario analyses that support acquiring both new bank partnerships (sponsor banks) and capital providers (warehouse facilities, return-on-capital projections, portfolio performance scenarios)
• Model multi-party revenue share structures across program manager, sponsor bank, processor, and network — and stress-test how the splits behave at different volume and performance tiers
• Lead deal review meetings on credit deals with sales leadership, translating complex credit economics into clear, actionable recommendations that help close business without compromising margin
• Build and continuously sharpen the credit-specific deal desk toolkit — pricing benchmarks, loss-curve templates, capital-cost calculators, vintage performance models, and the dashboards that bring them together
• Help Sales speak credibly about credit economics with prospects — from sophisticated fintech buyers building their second card program, to commercial customers thinking about a credit product for the first time
• Stay close to credit product evolution, regulatory developments (Reg Z, CFPB, state usury), and competitive dynamics in the credit issuing space — and bring that intelligence into every deal
• Collaborate closely with the rest of the deal desk team across debit, prepaid, and other product lines — flexing in on those deals when the team needs the bandwidth, sharing knowledge, covering each other on big deals, and raising the bar together
• Experiment with AI to make credit deal modeling faster and better — whether that's automating portfolio projection models, accelerating scenario analysis, or building internal tools that scale your judgment across more deals

Requirements:

• Bachelor's degree in a quantitative field — Finance, Accounting, Economics, Engineering, Math, or any discipline that built your numerical fluency
• 6-8 years of experience in financial planning and analysis, deal desk, pricing, credit product finance, or a related GTM finance function — with meaningful exposure to credit card or lending economics