6 Credit Strategy Jobs

Role Overview: The role involves using analytical tools to drive asset growth while managing risk. It covers the risk management framework across the customer lifecycle acquisition, portfolio management, and collections across various retail lending products. Responsibilities: Design, analyze, and monitor credit risk strategies for loan products such as personal loans and auto loans. Identify opportunities for portfolio growth and communicate findings to stakeholders. Collaborate with other risk functions (e.g., technology, product) to implement data-driven decisions. Understand underwriting rules and replicate them using SAS/SQL. Design and evaluate strategies for income, employment, and fraud verification. Develop and enhance risk policies, strategies, and procedures. Analyze application, bank, and bureau data to generate business insights. Generate KPIs and track risk and delinquency metrics using SQL and Tableau.

Overall Roles & Responsibilities As a Commercial Controller, you will play a strategic role within the Finance function & be a business partner to Sales. You will be responsible for driving commercial excellence through robust financial controls, insightful performance analysis, and proactive risk management. This role demands a collaborative mindset, strong interpersonal & communication skills, and the ability to influence cross-functional teams while fostering a culture of innovation and continuous improvement. You will ensure effective implementation of commercial policies / processes, esp. with regards to credit risk management, schemes management, performance / profitability reviews, channel finance activities, along with driving new initiatives, automation & improving efficiency. Commercial Performance & Controls Lead the achievement of key commercial KPIs (DSO, DSOD, Debtors Provision, Leakage) with a focus on data-driven decision-making. Conduct in-depth profitability reviews across regions, branches, and channels; identify variances and drive corrective actions in collaboration with Sales. Develop and institutionalize a customer profitability review framework. Support the Annual Operating Plan (AOP) process for regional and branch-level planning. Design, implement, and regularly update Standard Operating Procedures (SOPs) and commercial policies. Monitor audit findings and ensure timely implementation of corrective measures. Customer Credit Risk Management Ensure adequate credit management process balancing controls with growth objectives. Monitor receivables ageing, analyze payment trends, recovery efforts and proactively identify risk exposures. Aid growth through channel and consumer finance initiatives. Continuously improve collection processes and drive accountability across teams. Scheme Management Overseeing effective implementation of Schemes & Discounts and thereby drive Growth & Profitability Drive standardization in policies and procedures related to scheme operations incl. timely settlements, exception management, tax compliance etc. Review discounts / schemes effectiveness to deliver growth objectives and Develop monitoring system for Spends vs. budget Contribute to the design of sales incentive structures and customer scheme policies. New initiatives Lead the commercial setup for new sales formats, models, and channels, including digital and transformation initiatives. Drive automation, process improvements, and change management to enhance commercial agility and efficiency. Qualifications / Knowledge / Skills Requires CA/ MBA(Tier 1) with 10 to 12 years of relevant experience (Prior experience pertaining to credit strategy in FMCG/ FMEG industry preferred) Ability to merge the domain knowledge with business requirement. Strong customer management and risk evaluation experience Stakeholder management

EXL (NASDAQ:EXLS) is a leading operations management and analytics company that helps businesses enhance growth and profitability in the face of relentless competition and continuous disruption. Using our proprietary, award-winning methodologies, that integrate advanced analytics, data management, digital, BPO, consulting, industry best practices and technology platforms, we look deeper to help companies improve global operations, enhance data-driven insights, increase customer satisfaction, and manage risk and compliance. EXL serves the insurance, healthcare, banking and financial services, utilities, travel, transportation and logistics industries. Headquartered in New York, New York, EXL has more than 30,000 professionals in locations throughout the United States, Europe, Asia (primarily India and Philippines), Latin America, Australia and South Africa. EXL Analytics provides data-driven, action-oriented solutions to business problems through statistical data mining, cutting edge analytics techniques and a consultative approach. Leveraging proprietary methodology and best-of-breed technology, EXL Analytics takes an industry-specific approach to transform our clients decision making and embed analytics more deeply into their business processes. Our global footprint of nearly 2,000 data scientists and analysts assist client organizations with complex risk minimization methods, advanced marketing, pricing and CRM strategies, internal cost analysis, and cost and resource optimization within the organization. EXL Analytics serves the insurance, healthcare, banking, capital markets, utilities, retail and e-commerce, travel, transportation and logistics industries. Please visit www.exlservice.com for more information about EXL Analytics. Home EXL Service is a global analytics and digital solutions company serving industries including insurance, healthcare, banking and financial services, media, retail, and others

Roles and Responsibility Manage credit operations, including origination, underwriting, and portfolio management. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to achieve business objectives. Analyze market trends and competitor activity to identify opportunities. Build and maintain relationships with key stakeholders, including customers and partners. Monitor and report on credit performance metrics to senior management. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, problem-solving, and communication skills. Ability to work in a fast-paced environment and meet deadlines. Proficient in Microsoft Office and other financial software applications. Strong leadership and team management skills. Experience in managing credit portfolios and developing credit strategies.

Roles and Responsibilities Manage a team responsible for credit assessment, appraisal, and approval of retail assets (Auto loans, Commercial vehicle loans, Pre-owned car loans) and used car finance. Develop and implement effective credit strategies to minimize defaults and maximize recoveries. Collaborate with cross-functional teams to ensure seamless integration of credit processes into overall business operations. Conduct regular reviews of credit policies, procedures, and guidelines to ensure compliance with regulatory requirements. Analyze market trends, competitor activity, and customer behavior to identify opportunities for growth while managing risk.

Roles and Responsibilities Manage a team responsible for credit assessment, appraisal, and approval of retail assets (Auto loans, Commercial vehicle loans, Pre-owned car loans) and used car finance. Develop and implement effective credit strategies to minimize defaults and maximize recoveries. Collaborate with cross-functional teams to ensure seamless integration of credit processes into overall business operations. Conduct regular reviews of credit policies, procedures, and guidelines to ensure compliance with regulatory requirements. Analyze market trends, competitor activity, and customer behavior to identify opportunities for growth while managing risk.