Lead Credit Risk Officer - Consumer Lending Card Risk

About this role:

Wells Fargo is seeking a Lead Credit Risk Officer.

In this role, you will:

• 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
• Drive business growth through management of credit line increase program and deepening relationship with existing WF customers.
• Optimization and management of credit line increase portfolio credit strategies including segmentation, offers, test and learn, execution, exams and audit.
• Review and analyze complex strategies, programs and policies with a direct and significant impact on credit risk appetite and culture
• Receive direction from leaders
• 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:

• 3+ years of strong programing skills in Python/SAS/SQL with hands on experience handling large datasets
• 3+ year of statistical analysis and good understanding of Machine Learning techniques
• Experience in managing originations/account management/credit line increase portfolio decision engine strategies
• Lead complex initiatives impacting credit strategies across the customer lifecycle from acquisitions to collections
• Good 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

Job Expectations:

• Ability to work at one of the approved locations in the job posting
• Willingness to comply with our hybrid work model; working from a Wells Fargo facility at least three days a week, with the flexibility to work remotely two days a week.

Job Posting Locations:

• 401 S Tryon St Charlotte, NC
• 2200 Concord Pike, Wilmington, DE
• 600 S 4th St, Minneapolis, MN
• 114 N Beaumont St - D Bldg. St. Louis, MO 
• 800 S Jordan Creek Pkwy, West Des Moines, IA
• 1150 W Washington St., Tempe, AZ
• 250 E John Carpenter Frwy, IRVING, TX

Pay Range
 

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$111,100.00 - $217,200.00

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement

Posting End Date:

30 Dec 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.