VP – Customer Valuation & Profitability - Lead Risk Analytics Consultant

About this role:

Wells Fargo is seeking a Lead Risk Analytics Consultant to be part of the Consumer Small and Business Banking (CSBB) Finance team. This position will play a key role in leading various analytics including identifying new data sources, statistics, and financial valuation work within CSBB. In addition, the candidate will play an active role supporting the business through advanced insightful cash flow valuation work, financial performance tracking, conducting behavioral profiling, segmentation, reporting and statistical work. The priorities for this role will be to provide strategic solutions to stakeholders through strong analytical skills, business acumen displaying executive presence and providing meaningful insights to the management by working closely with India and the US team.

In this role you will:

• Lead complex, cross-functional initiatives focused on advanced business analysis and modeling, delivering broad impact across CSBB customer segments. Serve as a key contributor in data aggregation, monitoring, reporting, and portfolio analytics to support strategic decision-making.
• Design and implement lifetime customer cash flow valuation models to inform growth strategies, marketing investment decisions, and customer-level profitability forecasting. These models incorporate origination attributes, behavioral trends, and lifecycle dynamics.
• Conduct in-depth analysis using historical performance data to evaluate current strategies and shape future initiatives. Leverage trend analysis, segmentation, and scenario modeling to identify opportunities and mitigate risk.
• Review and enhance complex programming models by extracting and transforming large datasets. Apply statistical and financial modeling techniques tailored to the needs of supported business lines, ensuring accuracy and scalability.
• Lead the development of executive dashboards that provide real-time visibility into account-level and portfolio-level profitability. These tools enable senior leadership to make data-driven decisions for growth and improved customer engagement and profitability.
• Drive strategic decisions in product profitability, data modeling, and risk exposure by applying a deep understanding of business objectives, regulatory frameworks, and compliance requirements.
• Collaborate with senior leaders and partners across Finance, Product, Risk, and Analytics for accurate and reliable assessment of profitability projects.
• Lead high-impact projects and mentor junior analysts, fostering a culture of analytical excellence, continuous learning, and collaboration. Provide guidance on technical development, business acumen, and stakeholder communication.

Required Qualifications:

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

Desired Qualifications:

• BA/B degree or higher in a quantitative field, Statistics, Engineering, Physics or Economics, Computer Science.
• 4+ years’ experience in banking cash flow modeling  
• Experience in financial concepts and methodologies (NPV, ROA, ROE, and RWA)
• Prior experience with lending, and deposits
• Experience with Excel, specifically nested formulas, arrays, and VBA.

• Ability to program in SQL/SAS and analyze large date sets using this software
• Experience with statistical packages and time series forecasting techniques
• Desire to drive process improvements to enhance business outcomes
• Exceptional verbal and written communication skills

• Strong analytical and critical thinking skills

Job Expectations:

• This position offers a hybrid work schedule
• Specific compliance policies may apply regarding outside activities and/or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process

This Lead Finance/Risk Analytics Consultant will join the Consumer, Small and Business Banking (CSBB) Finance team. This position will play a key role in leading various analytics including identifying new data sources, statistics, and financial valuation work within CSBB. In addition, the candidate will play an active role supporting the business through advanced insightful cash flow valuation work, financial performance tracking, conducting behavioral profiling, segmentation, reporting and statistical work. The priorities for this role will be to provide strategic solutions to stakeholders through strong analytical skill