About this role:
Wells Fargo is seeking a Lead Credit Risk Officer within the Consumer Credit Card Risk CRO Organization. This role focuses on origination and account management, leveraging expertise in customer life-cycle risk management, risk models, agile execution, risk oversight, and optimization. The successful candidate will develop, enhance, and oversee the implementation of card credit risk strategies specifically in the areas of originations and account management. 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.
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 account management strategies.
• Lead complex initiatives including those that are cross-functional with broad impact and act as key participant in driving the company credit culture, desire, and business performance for Credit Risk.
• Review and analyze complex strategies, programs, and policies with a direct and significant impact on credit risk appetite and culture.
• Provide insights and regular updates to senior leadership regarding portfolio and ongoing program performance. 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.
• Interact with internal and external customers.
• Collaborate with business for oversight of risk management.
• Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics.

Required Qualifications:

• 5 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.

Posting Locations:

• 401 S Tryon Street, Charlotte, North Carolina
• 1445 Ross Ave, Dallas, Texas
• 600 S 4th St, Minneapolis, Minnesota
• 800 S Jordan Creek Pkwy, West Des Moines, Iowa
• 1150 W Washington St, Tempe, Arizona
• 114 N Beaumont St, Saint Louis, Missouri
• 2200 Concord Pike, Wilmington, Delaware

Job Expectations:

• This position currently offers a hybrid work schedule.

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

Posting End Date:
28 Jul 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.