About this role:

Wells Fargo is seeking a Senior Credit Risk Specialist within the Consumer Credit Card Risk CRO Organization. This role focuses on collections strategies, leveraging expertise in customer life-cycle risk management, risk models, agile execution, risk oversight, and optimization. In addition to their technical expertise, the ideal candidate will possess strong written and verbal communication skills, enabling them to effectively convey complex risk concepts to diverse audiences. They will also have a business manager mindset, combining strategic thinking with practical execution to manage risk and drive business results. Furthermore, demonstrate the ability to coordinate and manage cross-functional initiatives, drive organizational efficiency, and support executive decision-making. Learn more about the career areas and lines of business at wellsfargojobs.com.

In this role, you will:

• Quantitative analytics using programming tools (SQL, SAS, Tableau and/or Python, R) to analyze data from a variety of sources to develop portfolio and collection management strategies.

• Review and analyze complex strategies, programs, and policies with a direct and significant impact on credit risk appetite and culture.

• Produce and review monthly, quarterly, and annual strategy performance reports for senior management.

• Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements.

• Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals.

• Collaborate with business for oversight of risk management.

• 4+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

Required Qualifications:

• 4+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Strong strategy, data/analytics and reporting experiences, SAS/SQL and/or Python/R background, and extensive experience in combining/analyzing data from multiple large data sources to develop and implement credit control strategies. Familiarity with credit card industry is a plus.

• Excellent verbal, written, and interpersonal communication skills.

• Ability to articulate complex concepts in a clear manner.

• Effective Storytelling: Capability to transform raw data into visually engaging stories in PowerPoint that highlights objective , methodology and recommendations.

• Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment.

• 4 + years of experience with computer programs including, but not limited to, Microsoft Excel, VBA (Visual Basic for Applications), Cognos or Tableau, SharePoint, google doc.

• Knowledge and understanding of data mining techniques.

• Proactive with results driven attitude, and strong problem-solving skills.

• Well organized, attention to detail.

• Proven track record with hands on experience in business analytics and strategy recommendation.

Job Expectations:

Posting Locations:

• Wilmington, DE
• Minneapolis, MN
• Charlotte, NC
• St Louis, MO
• Tempe, AZ
• West Des Moines, IA
• Dallas, TX

* Ability to work at one of the approved locations in the job posting
* Willingness to comply with our hybrid work model; working from a Wells Fargo facility at least three days a week, with the flexibility to work remotely two days a week.

Pay Range

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement

Posting End Date:

*Job posting may come down early due to volume of applicants.

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, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.