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Senior Credit Risk Specialist (Req. #000227)

  • Administrative & Corporate Services
  • Full time
  • R-381243

At Wells Fargo, we want to satisfy our customers’ financial needs and help them succeed financially. We’re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you’ll feel valued and inspired to contribute your unique skills and experience.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk.

The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.

Wells Fargo Bank N.A. seeks a Senior Credit Risk Specialist in Concord, California.

Job Role and Responsibility: Develop application approval and risk segmentation strategies for various segments, build business cases to enhance risk management, customers experience and contribute to sustainable and profitable business growth. Conduct comprehensive analyses to assure timely monitoring of strategy efficacy and accuracy, minimizing credit/operating losses and reputation/compliance risk exposure. Partner closely with product/marketing, system & technology, finance, compliance and other Card business areas to develop risk criteria and propose new strategies. Collaborate with various credit, deposit and product groups and external vendors to develop effective ways to manage new account decisions, leveraging best practices and new data/tools. Prioritize tasks based on importance and urgency and provide business case development to obtain timely approval. Manage the rollout of pilot programs and criteria changes that present risk. Create and share monitoring reporting and diagnostics on various credit, vintage, product, offer, channel, mix, delinquency, loss rate, usage/revenue and profitability performance information informing risk strategy decisions. Prepare and present project summary and insights to senior managers to get support and approval. Remote / telecommute work available, up to 2 days per week. Position required to appear in person at the location listed.

Travel required: None

Required Qualifications:

Position requires a Master’s degree in Statistics, Mathematics, Economics, or a related quantitative field and two (2) years of experience in the job offered or related credit risk role. Experience can be gained concurrently with graduate level education or coursework.

Specific skills required (can be gained concurrently with graduate level education or coursework):

  • Two (2) years of Credit Risk, Quantitative Analytics, Data Science or equivalent experience;
  • Hands on experience in business analytics and recommendations;
  • Experience in SAS and SQL data processing;
  • Knowledge and understanding of statistical analysis; and
  • Experience in analyzing data from multiple large data sources to develop and implement business strategies

Salary: $100,800 - $179,200

Pay Range

$0.00 - $0.00

Benefits

Wells Fargo provides all eligible full- and part-time employees with a comprehensive set of benefits designed to protect their physical and financial health and to help them make the most of their financial future. Visit Benefits - Wells Fargo Careers for an overview of the following benefit plans and programs offered to employees.

  • 401(k) Plan
  • Paid Time Off
  • Parental Leave
  • Critical Caregiving Leave
  • Discounts and Savings
  • Health Benefits
  • Commuter Benefits
  • Tuition Reimbursement
  • Scholarships for dependent children
  • Adoption Reimbursement

Posting End Date:

15 Jul 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.

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.


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