We are looking for an experienced Folk with strong Commercial and Small Business Credit Risk expertise to lead client engagements across credit strategy, underwriting, portfolio management and risk analytics. This is a hands-on leadership role. The individual will lead client conversations and delivery teams while remaining sufficiently close to the analytics to independently challenge hypotheses, review methodologies, interrogate data, validate recommendations and, when required, perform hands-on analysis.

Key Responsibilities
Commercial & Small Business Credit Risk Engagement
• Lead problem definition, analytical approach, workplan, quality review and executive-level recommendations.
• Support acquisition and underwriting, credit policy and risk strategy, risk-based pricing, credit limits and exposure management, portfolio monitoring, early-warning strategies, delinquency and collections, and concentration risk.
• Work across commercial/business loans, term loans, working-capital lending, lines of credit, merchant financing and business cards. 2. Drive Analytical Problem Solving
• Translate ambiguous business and credit-risk problems into structured analytical hypotheses.
• Perform or guide portfolio segmentation, vintage/cohort analysis, delinquency and roll-rate analysis, loss analysis and risk-driver assessment.
• Evaluate underwriting criteria using bureau, financial, transaction/cash-flow and alternative data.
• Assess opportunities for automated underwriting and decisioning.
• Develop recommendations around approval rates, losses,



profitability and portfolio growth.
• Guide the design of early-warning indicators and portfolio monitoring frameworks. 3. Credit Strategy & Portfolio Management
• Review and optimize eligibility, score cut-offs, exposure limits, pricing and line-assignment strategies.
• Conduct segment, industry and concentration-risk analysis.
• Identify emerging risk patterns and translate findings into policy interventions.
• Balance portfolio growth with credit losses, profitability and risk appetite.
• Develop champion/challenger strategies and structured test-and-learn frameworks. 4. Hands-on Technical Leadership
• Hands on experience with SQL and Python
• Independently conducting exploratory analysis when needed.
• Reviewing model and strategy outputs and identifying analytical gaps.
• Challenging statistical assumptions and business conclusions.
• Developing executive-ready analytical storylines from raw results.
• Providing hands-on support during critical delivery phases. Qualifications
• Bachelor’s degree in finance, Statistics, Mathematics, Engineering, or related field; Master’s preferred.
• 4 plus years of relevant experience, with meaningful experience in Commercial, SME or Small Business Credit Risk.
• Experience in banking, financial services, fintech or credit-risk consulting/analytics.
• Demonstrated experience leading credit-risk analytics engagements or major workstreams.
• Solid understanding of commercial/SMB underwriting and portfolio management.

📌 Risk Analyst (Gurugram)
🏢 EXL
📍 Gurugram