Credit Risk & Analytics - Engagement Manager at EXL

Canada

CAD 160k - CAD 190k

<p><span data-teams="true" style="font-size: inherit;"><strong>Work Location:</strong> Remote, Canada (EST Hours)</span><br><span data-teams="true" style="font-size: inherit;"><strong>Pay Range: </strong>$160K/Yr - $190K/Yr CAD Base + Annual Bonus</span></p><p><br>The person in this role will work directly with the client and play a critical role in shaping how credit decisions, portfolio performance, and risk-adjusted revenue decisions are made. You’ll work on the full credit lifecycle from strategy and pricing to portfolio health and performance, ensuring the risk approach supports sustainable growth and strong financial outcomes. Your work will directly influence profitability, capital efficiency, and long-term scalability.<br><br><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>Key areas you will support include -</strong></span></span></p><ul style="list-style-type: disc;"><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>Credit Strategy &amp; Portfolio Ownership&nbsp;–&nbsp;</strong>Driving portfolio performance, risk appetite, and policy direction</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>Pricing Strategy &amp; Optimization</strong>&nbsp;– Balancing competitiveness and profitability across segments</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>Cross-Functional Leadership</strong>&nbsp;– Aligning credit strategy with Finance, Product, Sales, and Underwriting</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>Decision Accountability &amp; Performance Oversight</strong>&nbsp;– Ensuring analytics and data teams deliver business impact</span></span></p></li></ul><p style="text-align: justify;">&nbsp;</p><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>How you’ll be measured:</strong></span></span></p><ul style="list-style-type: disc;"><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>Portfolio Performance Ownership -&nbsp;</strong>Own IRR, cohort performance, roll rates, and funnel conversion metrics, ensuring alignment with company growth and profitability goals</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>Credit &amp; Pricing Strategy Leadership -&nbsp;</strong>Define and evolve credit policy, underwriting strategy, and pricing frameworks that optimize risk-adjusted returns</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>Executive Influence &amp; Cross-Functional Alignment -&nbsp;</strong>Partner across Finance, Product, Sales, and Operations to ensure consistent execution of credit strategy and influence business outcomes</span></span></p></li></ul><p style="text-align: justify;">&nbsp;</p><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>You’re a Strong Fit if You:</strong></span></span></p><ul style="list-style-type: disc;"><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Have&nbsp;strong&nbsp;decision-making&nbsp;capability&nbsp;and&nbsp;take&nbsp;full&nbsp;ownership&nbsp;of&nbsp;outcomes</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Can&nbsp;balance&nbsp;risk&nbsp;and&nbsp;growth,&nbsp;making&nbsp;thoughtful&nbsp;trade-offs&nbsp;that&nbsp;drive&nbsp;business&nbsp;performance</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Are highly analytical and comfortable challenging data and assumptions to reach better decisions</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Communicate effectively at an executive level and influence across diverse stakeholders</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Thrive in ambiguity and can operate in a fast-paced, evolving environment</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Lead collaboratively while maintaining accountability and clear conviction</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Demonstrate curiosity, adaptability, and a growth mindset</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Are comfortable working across global, distributed teams</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">10+ years of progressive experience in credit risk with direct ownership of portfolio performance</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">3+ years in a director-level or higher leadership role managing teams</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Strong experience in small business lending, alternative finance, Merchant Cash Advances or non-prime environments preferred</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Proven track record of making credit and pricing decisions with measurable business impact</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Experience operating at an executive level with strong cross-functional influence</span></span></p><p style="text-align: justify;">&nbsp;</p></li></ul><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>What You’ve Done Before:</strong></span></span></p><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Bachelor’s degree in finance, economics, mathematics, or a related field required; advanced degree preferred</span></span></p><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;"><strong>Tools and Expertise You’ll Bring:</strong></span></span></p><ul style="list-style-type: disc;"><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Deep expertise in portfolio management, pricing strategy, and unit economics</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Strong understanding of underwriting processes, credit policy design, and segmentation strategies</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Ability to interpret and challenge analytics outputs without direct model development ownership</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Advanced proficiency in Excel; working knowledge of SQL and BI tools for data interpretation</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Familiarity with credit decisioning systems, data vendors, and fraud tools</span></span></p></li><li class="ortl-align-justify"><p style="text-align: justify;"><span style="font-family: Calibri, sans-serif;"><span lang="EN-IN" style="font-size: 11pt; line-height: 115%;">Experience leveraging data to inform strategy, stress testing, and scenario planning</span></span></p></li></ul>