Credit Strategy Manager

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    "ExternalDescriptionStr": "<p>Job Location: SF Bay Area<br>\n Work Mode: Hybrid (2-3 days/week in office)<br>\n Compensation Range: $130K - $150K/Yr Base plus Variable Bonus</p>\n<p><i>The posted range is the hiring range for this role — a subset of the broader range available to employees over time — and reflects base salary across our national hiring scale. Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position. The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process.</i></p>",
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    "CorporateDescriptionStr": "<div>\n EXL (NASDAQ: EXLS) is a leading data analytics and digital operations and solutions company. We partner with clients using a data and AI-led approach to reinvent business models, drive better business outcomes and unlock growth with speed. EXL harnesses the power of data, analytics, AI, and deep industry knowledge to transform operations for the world’s leading corporations in industries including insurance, healthcare, banking and financial services, media and retail, among others. EXL was founded in 1999 with the core values of innovation, collaboration, excellence, integrity and respect. We are headquartered in New York and have more than 54,000 employees spanning six continents. For more information, visit&nbsp;<a href=\"http://www.exlservice.com/\" target=\"_blank\" rel=\"nofollow\">www.exlservice.com</a>.\n</div>\n<div>\n <div>\n  <p class=\"MsoNormal\"><br/></p>\n </div><i>EXL never requires or asks for fees/payments or credit card or bank details during any phase of the recruitment or hiring process and has not authorized any agencies or partners to collect any fee or payment from prospective candidates. EXL will only extend a job offer after a candidate has gone through a formal interview process with members of EXL’s Human Resources team, as well as our hiring managers.</i>\n</div>\n<div>\n</div>",
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    "ExternalResponsibilitiesStr": "<p>As a Risk Strategy professional, you will design and execute data-driven financial risk and fraud strategies across money movement products. You will own the end-to-end policy lifecycle- from hypothesis and testing to deployment and performance monitoring-using large-scale data to balance risk mitigation with business growth. You will collaborate with cross-functional teams to build scalable solutions and respond to critical risk events.</p><p> </p><ul><li>Support financial risk and fraud aspects of business initiatives, including responding to high-severity and time-sensitive risk incidents</li><li>Apply industry knowledge, statistical modelling, and analytics to develop practical risk strategies using large-scale transactional and account-level data</li><li>Own the full lifecycle of risk strategy and policy development: identify opportunities, define action plans, test policies, deploy to production, and monitor performance</li><li>Build expertise across risk types in money movement products, balancing risk mitigation with business growth objectives</li><li>Partner with Data Science, Risk Operations, Product, Data Engineering, and Analytics teams to design segmentation strategies and portfolio analyses</li><li>Develop and implement underwriting strategies, including limits, eligibility criteria, and segmentation frameworks</li><li>Monitor portfolio trends, including concentration risks and segment-level performance</li><li>Underwriting, credit limits, and eligibility-based decisioning</li><li>Portfolio monitoring, including segmentation, trend analysis, and concentration risk assessment</li><li>Financial loss forecasting and behavioural modelling using payments, card/ACH, and account-level data</li><li>Hypothesis-driven analysis to improve risk strategies and customer outcomes</li><li>End-to-end policy lifecycle management: design → test → launch → monitor → iterate</li></ul>",
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