Lead Credit Risk Analytics Consultant

Job Description
Department Overview:
The Consumer Banking & Lending - Retail Services business is responsible for leading, developing and implementing strategic initiatives and processes to drive the company credit culture, appetite, and business performance. The team is seeking a highly motivated and talented individual to be part of Originations strategy team of the Retail Services -Credit Strategy & Enablement team.
About the Role:Wells Fargo is seeking a Lead Risk Analytics Consultant to support RS originations strategy function. In this role you will use a combination of strategic and technical analytic expertise to provide critical insights on various strategic initiatives and including but not limited to originations & portfolio performance, merchant / client profiling, segmentation, retention, engagement, and merchant lifetime value analytics. Insights provided will play a key role in driving business decisions.
In this role you will:

• 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.

• Develops comprehensive merchant /industry 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 Power BI.

• 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.
• Develop complex programming models to extract data and/or manipulate databases such as ORACLE, Teradata, BMG etc.

• To be effective in this position, you will need to have a deep understanding of credit and merchant from an acquisitions perspective, a broad and strategic perspective on origination 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:

• 5+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, education
• Over all experience around 5+ 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, merchant risk management .
• Advanced SAS, Macros knowledge, R, Python
• Advanced degree in statistics/finance /engineering/other quantitative disciplines
• 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

Job Expectations:

• In office expectations: 4 days a week
• Shift timings: 1:30 Pm to 10: 30 PM

Posting End Date:
19 Nov 2026
*Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. 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.
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 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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