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Senior Lead Credit Risk Officer – Auto Lending Risk

About this role:

Wells Fargo is seeking a Senior Lead Credit Risk Officer to help lead the Collateral Risk Oversight space. This position is focused on helping the business efficiently achieve its goals while effectively managing risks across the board within the collateral policy and strategy area. This is a critical second line of defense function in the Chief Risk Officer (CRO) organization, aligned to Wells Fargo Auto.

In this role, you will:

  • Advise senior leadership to develop and implement strategies, programs and policies with a direct and significant impact on credit risk appetite
  • 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
  • Review and analyze complex strategies, programs and policies with a direct and significant impact on credit risk appetite and culture
  • Monitor, assess and report on asset quality, portfolio trends and credit policy exception trends
  • Provide ongoing oversight and credible challenge of line of business credit products, programs, process and controls
  • Provide vision, direction and expertise to senior leadership on implementing innovative and significant business solutions
  • Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals
  • Interact with internal and external customers to deliver desired business outcomes and collaborate with business for oversight of risk management

Required Qualifications, US:

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

Desired Qualifications:

  • Bachelor’s Degree in Economics, Finance, Computer Science, Mathematics, Statistics, or relevant quantitative field
  • Previous work experience: Financial Services, Risk Management, Fraud Management, Consulting, or other relevant experience
  • Auto lending experience preferred
  • Proficient in programming languages e.g., SAS, SQL
  • Proficient in Microsoft Office Suite of products (Word, Excel, Power Point)
  • Proactive delivery of desired outcomes in fast paced environment.
  • Excellent communication skills and ability to engage effectively across the entire organization.


  • Charlotte, NC; Minneapolis, MN; Des Moines, IA; Dallas, TX; Tempe, AZ; & Wilmington, DE
  • Preferred location(s) listed above. Other locations within the Wells Fargo footprint may be considered for current Wells Fargo employees.

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.

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