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About this role:
Wells Fargo is seeking a Lead Risk Analytics Consultant to join the Small & Business Banking Credit Risk team to improve credit risk strategies and oversight of pre-chargeoff and post-chargeoff operations by leading and/or performing various complex activities related to portfolio analytics in the loss mitigation area including customer behavior trends and leading data-based decision-making for the Small & Business Banking business in Consumer Collections and Servicing.
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Other duties may include leading and communicating portfolio analytics; monitoring and challenging effectiveness of collection processes; providing guidance to modeling, design of strategy and oversight of implementation; and making recommendations to management based on those trends. Additionally, you may quantitatively support credit risk policy through analysis and impact assessment of policy changes by leveraging tools to collect, transform, analyze, and interpret large amounts of data across multiple data environments to provide predictive and perspective analysis. You may produce performance monitoring and benchmarks to capture performance on mix, delinquency trends, and credit losses.
In this role, you will:
- Lead complex initiatives related to collections & recovery analysis, strategy development, implementation, monitoring, and oversight.
- Lead cross-functional teams across IRM and front line to achieve data aggregation, monitoring, and reporting to gain insights in collections & recoveries operations.
- Review complex models, extracting data, manipulating databases to provide statistical and financial modeling in support of collections and recovery operations.
- Manage rollout of programs, develop testing agenda, make decision in complex credit strategies, modeling and risk exposure which require understanding of operations, regulatory guidance, policies, procedures, and compliance requirements.
- Exercise independent judgment while developing expertise in policy governance, risk projects, and regulatory requests.
- Provide oversight on credit risk governance across assigned businesses or functions.
- Collaborate and consult with peers; lead the team to resolve production, project, and business issues, achieve credit risk analysis and modeling objectives.
- 5+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
- Experience and proficiency with data mining, data manipulation and programming using SAS, SQL, Python, R and Tableau.
- Collections & Recovery strategy design, implementation, monitoring & oversight/challenge
- Ability to research, trend/analyze, compile, and perform complex analysis on critical data, and then summarize and recommend new strategies and solutions based on these results.
- Excellent presentation skills to narrate a story customized to audiences with diverse backgrounds through BI and other mediums backed by strong analytics and data.
- Strong problem solving, analytical and quantitative skills in working with time series and multiple sources of data in various formats and size.
- Dedicated, enthusiastic, performance-orientation, and strong work ethic.
- Excellent verbal, written, and interpersonal communication skills with high attention to detail and accuracy.
- Ability to be flexible and adjust plans quickly to meet changing business needs.
- Knowledge and understanding of databases and data mining techniques.
- Ability to negotiate, influence, and collaborate to build successful relationships.
- Ability to work at one of the approved locations in the job posting
- Willingness to comply with our hybrid work mode
- 401 S Tryon St Charlotte, NC
- 800 S Jordan Creek Pkwy, West Des Moines, IA
- 1150 W Washington St., Tempe, AZ
- 250 E John Carpenter Frwy, IRVING, TX
1 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.
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 US: 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.
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.