Engagement Manager - Credit Risk Strategy

Job description

Work Location: San Diego, CA Work Mode: Hybrid (Minimum 3 Days/Week in office) Base Pay Range: $140K/Yr - $160K/Yr Role and Responsibilities: As the Engagement Manager – Credit Strategy, you will design, deploy, and optimize end-to-end credit strategies that balance growth, profitability, and credit risk for a small-business lending portfolio. You will develop policy frameworks for approvals, segmentation, limits, and pricing; embed forward-looking risk signals; and build monitoring to keep portfolio performance within loss tolerances. You will partner with client and EXL leaders across Risk, Product, Engineering, and Underwriting to operationalize decisioning, enable rapid experimentation, and create resilient portfolios that are attractive to debt investors on a risk-adjusted basis. - Design and deploy innovative approval, qualification, and segmentation strategies that maximize application approval rates while achieving credit loss targets - Develop and maintain underwriting policies that define minimum acceptance criteria and policy declines for segments outside client’s risk appetite - Create statistically grounded credit limit assignment frameworks that optimize lifetime cust...