Senior Manager, Decision Science - Valuation Analytics, Unsecured Lending

About this role:

Wells Fargo is seeking a Sr. Decision Science Manager to lead the development, governance, and continuous enhancement of financial valuation models and supporting tools for Branded Cards, Co‑Brand Cards, Small Business Card, and Personal Lending portfolios.

This role sits at the intersection of advanced analytics, financial valuation, and risk governance, driving enterprise decision-making through state-of-the-art modeling frameworks built in Python. The leader will oversee model lifecycle management—from design through governance approval—and ensure models remain accurate, compliant, and aligned with evolving business and economic inputs.  Learn more about the career areas and business divisions at wellsfargojobs.com.

In this role, you will:

Model Development & Ownership

• Own end-to-end lifecycle of financial valuation models (design, development, validation support, implementation, monitoring).

• Lead migration and development of scalable valuation frameworks in Python-based environments.

• Incorporate key financial drivers including:

  • Unit cost structures

  • Corporate treasury rates / cost of funds

  • Behavioral, credit, and macroeconomic assumptions

• Oversee models that support card & loan origination, line increase, pricing, business development and portfolio management strategies.

Model Risk Management & Governance

• Serve as primary interface with Model Risk Management (MRM) partners to:

  • Secure model approvals and validations

  • Support annual reviews and ongoing monitoring

  • Maintain high-quality documentation and controls

• Ensure adherence to enterprise model governance standards across the entire model lifecycle (development, validation, implementation, monitoring).

Decision Science Platform Leadership

• Deliver valuation tools and analytical capabilities to partner teams across:

  • Branded Cards

  • Co‑Brand Cards

  • Credit Cards

  • Personal Lending

• Standardize and productionize modeling frameworks to enable consistent, scalable decisioning across portfolios.

• Act as a technical thought leader, driving adoption of modern data, tooling, and modeling practices.

Innovation & Advanced Analytics

• Identify and deploy emerging AI/ML capabilities to improve model performance, automation, and scalability.

• Promote use of vectorized computation, scalable architectures, and model optimization techniques.

• Continuously benchmark and enhance modeling approaches to maintain best-in-class valuation capabilities.

Stakeholder Engagement & Influence

• Partner with Finance, Treasury, Risk, Product, and Strategy teams to:

  • Align valuation frameworks with financial planning assumptions

  • Translate analytics into clear, decision-ready insights

• Present model outputs, sensitivities, and trade-offs in executive forums and governance committees.

Technical Expertise

• Advanced proficiency in Python

• Experience with:

  • Large-scale data processing and model optimization

  • Statistical / ML modeling techniques

  • SQL, cloud or distributed compute environments (preferred)

• Strong understanding of cash flow–based valuation models and NPV frameworks

Model Governance & Risk

• Hands-on experience working with Model Risk Management frameworks, including:

  • Model approval and validation cycles

  • Documentation and audit readiness

  • Ongoing monitoring and annual reviews

Business & Leadership Skills

• Strong understanding of consumer lending economics:

  • Capital, Pricing, margins, cost of funds, credit losses, customer behavior

• Ability to translate complex analytics into:

  • Strategic recommendations

  • Quantified financial impact (e.g., NPV, ROA, margin uplift)

• Demonstrated leadership in:

  • Managing teams or influencing cross-functional stakeholders

  • Driving adoption of new tools and methodologies

Required Qualifications:

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

• 3+ years of management or leadership experience

Desired Qualificatio