Senior Credit Risk Specialist - Consumer Lending, Card Risk - Military Veterans

About this role:

Wells Fargo is seeking a Senior Credit Risk Specialist in Consumer Lending as part of Corporate Risk to contribute to credit performance, potential or emerging risks.

The Senior Credit Risk Specialist will report directly to Credit Risk Director supporting card originations credit line strategies.

In this role, you will:

• Lead moderately complex initiatives and identify opportunity for risk mitigation strategies within Credit Risk


• Use your business acumen and analytical experience to monitor trends, perform root cause analyses, and proactively prescribe strategies to capture opportunities to drive business results


• Effectively moderately collaborate and consult in a matrix organization with peers, colleagues and managers to resolve issues and achieve goals


• Contribute to credit performance, potential or emerging risks


• Review and analyze moderately complex processes and projects, business, operational, or technical challenges that require an in-depth evaluation of variable factors


• Communicate analytical findings and recommendations across multiple levels of the organization


• Receive direction from leaders and interact with internal customers


• Effectively collaborate and consult in a matrix organization with peers, colleagues, and managers to resolve issues and achieve goals

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:

• 2+ years of strong programing skills in Python/SAS/SQL with hands on experience handling large datasets


• 1+ year of statistical analysis and understanding of Machine Learning techniques


• Experience in managing originations/account management decision engine strategies


• Understanding on P&L drivers for credit card/other unsecured lending products


• Knowledge and understanding of databases and data mining techniques


• Self-motivated with strong analytical and problem-solving skills


• Excellent verbal, written, and interpersonal communication skills


• Ability to articulate complex concepts in a clear manner

Posting Locations:

• 2200 Concord Pike - Wilmington, Delaware


• 401 S. Tryon Street - Charlotte, North Carolina


• 1445 Ross Ave - Dallas, Texas

Job Expectations:

• Ability to work at one of the approved locations in the job posting.


• This position currently offers a hybrid work schedule.

Posting End Date:

15 Oct 2024
*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.

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.

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.