Credit Card, Senior Business Analyst

Wells Fargo Credit Cards is on an ambitious journey to build a best-in-class organization, and Business Analysts will play a critical role in shaping that future. As part of our transformation, you'll have the opportunity to work at the intersection of strategy, product, marketing, credit, risk, technology, operations, and customer experience to solve complex business problems and lead decisions that drive growth.

Our vision is to develop versatile, multi-skilled leaders who can think holistically, analyze deeply, deliver results across the business, and develop general management and P&L ownership skills. You'll gain exposure to a fast-growing organization with a challenger mindset, where new ideas, continuous learning, and professional development are actively encouraged.

Join now for a unique opportunity to help shape the future of the Cards business and make a meaningful impact while building a broad foundation for long-term career growth.

In this role, you will:

• Lead moderately complex profit and loss (P&L) initiatives related to business product and customer performance, marketing outcomes, or operational efficiency while demonstrating end-to-end ownership through ideation, design, execution, and measurement 
• Develop business cases that require in-depth evaluation of a variety of product variables, trade-offs, and measurable outcomes across multiple domains including marketing acquisition, credit risk, and product strategy
• Identify and design creative solutions to moderately complex and ambiguous business problems based on data modeling of product and customer insights using hypothesis-driven approaches
• Build end to end economic models and test plans to support product decisions incorporating revenue, cost, margin impacts, and marketing investment prioritization
• Apply understanding of product variables, features and competitor insights to inform experience design and go-to-market optimization
• Monitor post-launch performance and assess impacts to profit and loss, customer experience, and risk posture, recommending course corrections based on results
• Collaborate and consult with a variety of stakeholders across marketing acquisition, finance, analytics, risk, product delivery, technology, and operations and prepare executive-ready recommendations
• Provide guidance, mentorship, and support in reviewing deliverables for less experienced analysts

Required Qualifications 

• 4+ years of business analysis, strategy, product, marketing, finance, credit risk, or related analysis experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education 

Desired Qualifications

• Bachelor’s degree in Business, Finance, Economics, Statistics, Analytics, Mathematics, Engineering, Computer Science, or a related quantitative field.
• Demonstrated intellectual curiosity, adaptability, and the ability to thrive in fast-paced, ambiguous environments while managing multiple priorities.
• Strong analytical, business analysis, and structured problem-solving skills with the ability to translate complex business challenges into actionable recommendations.
• Experience analyzing credit cards, consumer lending, payments, banking, fintech, or financial services portfolios to identify trends, risks, growth opportunities, and performance drivers.
• Proven track record of career growth and advancement, including successful completion of rotational, analyst, or leadership development programs.
• Experience leveraging SQL, Python, Excel, Tableau, Power BI, or similar tools to extract, analyze, model, visualize, and communicate data-driven insights.
• Demonstrated ability to apply strategic thinking and data-driven decision-making to improve customer, portfolio, product, and business outcomes.
• Knowledge of customer acquisition, engagement, retention, portfolio management, credit risk, fraud, marketing analytics, or related cards business functions.
• Strong written and verbal communication skills, including the ability to develop business cases, present findings, tell compelling data-driven stories, and influence stakeholders at all levels.
• Experience conducting customer, market, competitive, and portfolio analysis to support strategic business decisions and growth initiatives.
• Proven ability to partner effectively with cross-functional teams and business leaders to drive strategic initiatives, process improvements, and measurable business results.
• Ability to work independently while collaborating effectively across teams and stakeholders.
• Consulting, strategy, business transformation, or financial services analytics experience preferred.

Job Expectations:

• Willingness to work on-site at one of the stated locations on the job opening.
• This position offers a hybrid work schedule.
• Relocation assistance is not available for this position.
• This role is not eligible for visa sponsorship.

Locations:

• 2200 Concord Pike, Wilmington, DE 19803
• 550 S Tryon St Charlotte, NC 28202
• 401 Las Colinas Blvd W Bldg A Irving, TX 75039

Pay Range
 

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement

Posting End Date:

*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.

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.