Senior Credit Risk Specialist

About This Role

Wells Fargo is seeking a Senior Credit Risk Specialist within the Personal Lending Flex Loan Risk Strategy team to help support the launch of new products (and part of the enterprise's key initiatives for '22 and '23.) The role is for a candidate with credit and/or fraud risk underwriting strategy experience in unsecured lending products (or similar analytical and technical experience), comfortable with independently undertaking analyses and delivering results in a fast-paced and changing environment. Interactions with business partners and ability to quickly adapt is a must in this exciting role.

In This Role, You Will

• Help solve business problems that allow us to achieve goals while mitigating risks and keeping customer journey and experience at the forefront
• Contribute to credit performance, potential or emerging risks
• Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements
• Lead moderately complex initiatives and identify opportunities for credit and fraud risk mitigation strategies
• Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals
• Develop and modify eligibility and loan assignment strategies
• Interact with internal customers
• Contribute to the development, implementation and analysis of Flex Loan risk strategy data and system capabilities

Required Qualifications, US:

• 4+ 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 SAS coding skills and experience
• Knowledge of unsecured lending products
• Strong analytical and problem solving skills with high attention to detail and accuracy
• Knowledge of Python and Machine Learning modeling is a plus
• Excellent verbal, written, and interpersonal communication skills
• Experience with credit policy development and change management

Job Expectations:

• Enjoy the early strategy of product development as we learn and adapt to customer needs
• Deliver analyses quickly with ability to adapt and adjust as necessary
• Collaborating closely with product managers, technology, finance, digital and other critical partners

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, age, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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.

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.

Reference Number

R-243093-1