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Credit Risk Analyst

Promantis IncNew York, NY🇺🇸United StatesPosted 20 Aug 2026

Quick Overview

Seniority
Mid Senior
Work mode
On Site
Location
New York, NY, United States
Posted
2 days ago
Underwriting

Job Description

Role: Credit Risk Analyst

Onsite

NY, NC and DE

 

Key Responsibilities

·        Design, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections).

·        Perform detailed portfolio analysis using internal data, bureau attributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization.

·        Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques.

·        Deliver MIS reports, dashboards, and performance reviews to monitor portfolio trends, assess strategy effectiveness, and inform business decisions.

·        Collaborate with client stakeholders and cross-functional teams (Product, Finance, Operations, Compliance, Technology) to align credit strategies with business objectives.

·        Monitor regulatory and governance requirements, ensuring all strategies adhere to compliance and audit standards.

·        Drive innovation by leveraging new data sources, advanced analytics, and automation to strengthen credit risk capabilities.

·        Provide insights and recommendations to senior leadership on portfolio performance, emerging risks, and forward-looking strategies.

·        Build and nurture long-term client relationships by understanding business needs and positioning EXL’s credit risk solutions effectively.

·        Identify opportunities to expand engagements through cross-sell/up-sell of analytics, modeling, and risk consulting services.

 

·        Partner with business development teams to support proposal creation, client pitches, and delivery of value-driven outcomes.

Qualications

·        Bachelor’s degree in Business, Finance, Statistics, Mathematics, Engineering, or related eld; Master’s preferred.

·        7+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or nancial services.

·        Strong expertise in Small and Medium Business lending products (credit cards, business loans, working capital, merchant cash advance) and credit lifecycle strategies.

·        Strong experience on working on bureau data such as D&B and SBFE .

·        Prociency in SAS, SQL, Python (Tableau is a plus).

·        Solid background in data modeling, segmentation, regression, and statistical techniques for risk decisioning.

·        Ability to synthesize complex analysis into clear recommendations for senior management.

·        Strong communication, presentation, and stakeholder collaboration skills.

·        Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.

·        Preferred: Experience leveraging alternative data and innovative analytical approaches in credit strategy development.

·        Proven experience in managing client accounts with a track record of delivering measurable impact.

·        Business development mindset with experience in proposal writing, solutioning, or contributing to revenue growth initiatives.

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