Senior Credit Risk Specialist - Consumer Lending Card Risk

Wells Fargo - Dallas, TX

Full-time - Mid Level

Hybrid - Dallas, TX

Credit Intermediation and Related Activities

About the position

Wells Fargo is seeking a Senior Credit Risk Specialist to lead complex initiatives and identify opportunities for risk mitigation strategies within Credit Risk. This role involves monitoring trends, performing root cause analyses, and prescribing strategies to drive business results. The specialist will collaborate in a matrix organization, contribute to credit performance, and communicate analytical findings across multiple levels of the organization.

Responsibilities

• Lead complex initiatives and identify opportunities for risk mitigation strategies within Credit Risk.
• Monitor trends and perform root cause analyses to prescribe strategies for business results.
• Collaborate and consult in a matrix organization to resolve issues and achieve goals.
• Contribute to credit performance and identify potential or emerging risks.
• Review and analyze moderately complex processes and projects, addressing operational or technical challenges.
• Communicate analytical findings and recommendations across multiple levels of the organization.
• Exercise independent judgment while developing knowledge of function, policies, procedures, and compliance requirements.

Requirements

• 4+ years of Credit Risk experience, or equivalent demonstrated through work experience, training, military experience, or education.
• 2+ years of strong programming 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 of 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.

Nice-to-haves

• Experience in managing originations/account management decision engine strategies.
• Understanding of P&L drivers for credit card/other unsecured lending products.