Senior Credit Analytics Consultant

About this role:
Wells Fargo is seeking a Senior Credit Analytics Consultant.
In this role, you will:

• Lead or participate in moderately complex initiatives, and delivering insight and decision strategies within analytics and reporting, and contribute to large-scale planning related to Risk Analytics
• Review and analyze moderately complex data aggregation, forecasting, reporting, and programming models
• Be responsible for process production, data reconciliation, and model documentation in alignment with policy governance
• Resolve data, production, business modeling, and lead team to meet Risk Analytics deliverables while leveraging solid understanding of risk reporting policies, modeling strategies, procedures, regulatory requests, and compliance requirements
• Collaborate and consult with peers, experienced managers, compliance, and technology to resolve modeling, forecasting, and production issues, and achieve analytic and reporting goals
• Lead projects, teams, and mentor less experienced staff
• Partner with cross enterprise risk analysts in development of common modeling strategies

Required Qualifications:

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

Desired Qualifications:

• 4+ years of progressive experience in credit and risk analytics
• Hands on Experience in at least one area in credit risk analytics - credit strategy / modeling techniques / Forecasting techniques / data architecture & management
• Detailed understanding of risk domain; Strong Risk analytics skills and understanding of P&L, drivers
• Expertise in few programming and statistical packages - SAS, SQL, VBA, Macros, R, Python, E-miner, Tableau, SAS VA
• Knowledge of advanced statistical tools such as Segmentation Tools, Decision Trees, Clustering, Regression, and other statistical modeling and/or Machine Learning techniques
• Ability to lead project teams and coordinate with multiple stakeholders.
• Strong analytical skills with ability to turn findings into executable plans to meet business objectives
• Ability to identify and evaluate trends, isolate root cause, and provide swift/thorough resolution
• Advanced degree in statistics/finance /engineering/economics/other quantitative disciplines
• Knowledge and understanding of (consumer and small business loan) credit card lending practices, policies, procedures, and key drivers impacting credit offerings
• Ability to contribute to strategic decisions and coordinate with multiple stakeholders. Develop consensus and gain buy-in for strategic priorities
• Strong project management skills with ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
• Strong ability to develop partnerships and collaborate with other business and functional area

Job Expectations:

• The incumbent would functionally contribute as a SR. Consultant to the Personal Lending Credit Risk team and execute relatively large and complex projects with moderate to high risk for the line of business.
• Lead and deliver on significant initiatives and processes, and partners with line of business management to drive the company credit culture, appetite, and business performance with inputs from senior leadership. Acts as a subject matter expert for senior leaders.
• Assesses and predicts risk and performance through business analysis. Establishes effective policies, processes, and tools to identify and manage risks. Uses predictive sciences for developing future ready solutions.
• Develop comprehensive monitoring frameworks and dashboards and provide statistically sound diagnostic evaluation of any emerging or unexpected risk areas to enhance intelligence and facilitate faster decision making.
• Reports on portfolio trends, credit policy exceptions across various credit, vintage, product, offer, channel, industry segments using visualization tools such as Excel VBA, Tableau , Power BI and/or SAS Visual Analytics.
• To be effective in this position, you will need to have a good understanding of credit, practice in the test and learn discipline and exploratory analysis, and be fluent in both the key technical tools of credit risk decisioning and sound credit judgment.

Posting End Date:
23 Feb 2026
*Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. 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.
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 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.