Job Description

About the Role: The Consumer Credit team is responsible for leading, developing and implementing strategic initiatives and processes to drive the company credit culture, appetite, and business performance. The incumbent would functionally contribute as an SME to the Consumer Lending risk team and lead large and complex projects. Provides credit risk governance across assigned a specific business or functional role. Leads significant initiatives and processes, and partners with line of business management to drive the company credit culture, appetite, and business performance.Acts as a subject matter expert for executive leadership on highly complex issues. Assesses and predicts risk and performance through business analysis and/or modeling. Establishes effective policies, processes, and tools to identify and manage risks. Uses predictive sciences for developing future ready solutions. Leads or assists in development of predictive strategies / solutions for new account acquisitions across underwriting, approve/decline, limit assignment, business rules development, product development support. Analyzes big data and understand / monitor trends to provide actionable insights across a range of risk analytics initiatives. Develop new and enhance existing models for managing fraud risk, payment risk, credit bust outs, credit abuse. Evaluate new data sources and attributes, internal and external from extensive case reviews for efficacy in models. Builds risk rating methodologies using advanced analytics approaches including statistical modeling and machine learning techniques, not limited to Random Forest, Decision Trees, Segmentation, and/or Time-series modeling. Expert in statistical softwares such as SAS, SQL, Python, E-miner, among others. Develops quantitative/qualitative models for forecasting losses in supporting portfolio planning, loan loss provisioning, or new account acquisitions. May provide input for CCAR, Basel and other regulatory submissions. Develop complex programming models to extract data and/or manipulate databases such as ORACLE, Teradata. Develops comprehensive monitoring frameworks and dashboards and provide statistically sound diagnostic evaluation of any emerging or unexpected risk areas to enhance intelligence and facilitate faster decision making. Reports on asset quality, portfolio trends, credit policy exceptions across various credit, vintage, product, offer, channel, industry segments using visualization tools such as Excel VBA, Tableau and/or SAS Visual Analytics. Ensures resolution of matters requiring attention (MRA) from outside regulators, Audit, Corporate Model Risk or internal review teams. May partner with other business units, Audit, Legal, regulators, and industry partners on risk related topics. Leads implementation of complex initiatives with moderate to high risk for the line of business Lead project teams and may mentor but does not manage other team members. To be effective in this position, you will need to have a deep understanding of credit from an acquisitions perspective, a broad and strategic perspective on risk management, practice in the test and learn discipline for strategy development, and be fluent in both the key technical tools of credit risk decisioning and sound credit judgment. Required Qualifications: Over all experience around 8+ years in similar role with at least 5 years of unsecured lending experience in analytic functions Bachelor\'s degree or higher in a quantitative fields such as applied mathematics, statistics, engineering, finance, economics, econometrics or computer sciences Experience in credit risk analytics Advanced SAS, Macros knowledge, R, Python Advanced degree in statistics/finance /engineering/other quantitative deciples Strong Knowledge of MS Office Tools / Segmentation Tools / Decision Trees Strong technical skills and problem solving skills Desired Qualifications: A strong track record and business knowledge in the financial services sector with a deep understanding of credit card credit or fraud risk from a full-cycle perspective, including testing and control within a large financial institution. Experience working horizontally across the organization. Strong operational and execution skills, with keen attention to detail. Masters in a Quantitative or Advanced Analytics discipline We Value Diversity At Wells Fargo, we believe in diversity, equity and inclusion in the workplace accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit\'s risk appetite and all risk and compliance program requirements. Candidates applying to job openings posted in US:All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

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