EXL (ExlService Holdings) is a company engaged in transformation, data science, and change management. It operates through four segments: Insurance, Healthcare, Analytics, and Emerging Business. The Insurance segment provides digital transformation and technology solutions to property and casualty insurance, life insurance, disability insurance, insurance brokers, reinsurers, annuity, and retirement services companies. The Healthcare segment offers services related to care management, utilization management, disease management, payment integrity, revenue optimization, and customer engagement. The Analytics segment delivers predictive and prescriptive analytics in the areas of customer acquisition and life cycle management, risk underwriting and pricing, operational effectiveness, credit and operational risk monitoring and governance, regulatory reporting, and data management. The Emerging Business segment develops data-led enterprise solutions in the areas of revenue enhancement, finance and accounting, and customer experience management for clients primarily in the banking and capital markets, utilities, travel and leisure, transportation and logistics, media and communications, manufacturing, retail, and business services industries.