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Senior Lead Credit Risk Officer / Unsecured Lending

About this role:

Wells Fargo is seeking a Senior Lead Credit Risk Officer to lead the Originations capabilities for the Small Business Card segment.

In this role, you will:

  • Manage Small Business Card Capabilities Roadmap and prioritize initiatives to enable credit risk strategies across the lifecycle.

  • Drive prioritization discussions through collaboration with stakeholders, leveraging knowledge of systems, architecture, and agile framework.

  • Drive target state or tactical decisions to resolve highly complex issues to meet risk deliverables, in an efficient and controlled manner.

  • Identify new data sources and capabilities, and conduct analysis demonstrating their value to risk strategies.

  • Develop and implement credit risk solution to deliver seamless automated decisioning.

  • Monitor and analyze portfolio performance, providing regular reports to senior management on credit risk activities and performance metrics.

  • Continuously identify and implement process improvements to enhance the efficiency and effectiveness of the collections process.

  • Engage and influence stakeholders, internal partners and peers associated with initiatives that cross multiple lines of business in scope with significant impact and risk.

  • Identify and recommend opportunities for process improvement and risk control development to drive the company credit culture, desire, and business performance.

  • Determine appropriate strategy and actions of Credit Risk team to meet moderate to high-risk deliverables.

  • Interpret and develop policies and procedures for level of risk taken in credit activities with moderate complexity within scope of responsibility.

  • Build relationships with corporate, business heads, Legal, Audit, regulators and industry partners on risk related topics.

  • Interact with internal and external customers.

Required Qualifications:

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

Desired Qualifications:

  • 7+ years of programming experience.

  • Strong educational credentials with an M.B.A. or master’s degree preferred.

  • Experience with enterprise technology solutions for credit decisioning (e.g., ACAPS).

  • Familiar with Agile methodologies and technical solution delivery.

  • Exceptional understanding of economics and line of business key drivers of profit.

  • Innovative problem solver.

  • Lead strategic initiatives, collaborating across a large organization and multi-tasking as required.

  • Create, maintain, and champion an environment where there is a high degree of transparency.

  • Demonstrate a strong understanding of risk management and methodology for identification and controls across all risk types.

  • Demonstrate excellent verbal, written, and interpersonal communication skills.

  • Influence across all organizational levels or functions.

  • Effectively work on a highly diverse team who are geographically dispersed across multiple time zones located in the US, India, and Philippines.

  • Ability to manage decision development and decision analysis.

  • Ability to meet stringent deadlines.

  • Strong organizational, multi-tasking, and prioritizing skills.

  • Ability to work in a fast-paced deadline driven environment.

  • Advanced Microsoft Office skills.

Posting Location(s):

  • 401 S Tryon St, Charlotte, North Carolina

  • 2200 Concord Pike, Wilmington, Delaware

Job Expectations:

  • Ability to work at the approved location in the job posting.

  • This position offers a hybrid work schedule.

*Job posting may come down early due to volume of applicants

Posting End Date: 

28 May 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.

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