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Job Description

Credit Portfolio Consultant 3 - Credit Risk Acquisition Strategy

Job ID 5262291 Schedule Type Reg-Time Work Hours 40 Location San Francisco, California
Job Description

Wells Fargo's Consumer Lending Group (CLG) is an industry leader in supporting homeowners and consumers. We put customers at the center of all that we do. We make every decision - and design every product and service - with our customers in mind.

It starts with you. We must attract, develop, retain and motivate the most talented people - those who care and who work together as partners across business units and functions. We value and promote diversity and inclusion in every aspect of our business and at every level of our organization.

The CLG team includes Home Lending, Consumer Credit Card, Personal Loans and Lines, Direct Auto, Dealer Services, Commercial Auto, Retail Services and Education Financial Services including the professional services teams that partner with these businesses - Human Resources, Finance, Credit Risk, and Compliance & Operational Risk.

Our Consumer Credit Solutions (CCS) Unsecured Credit Risk team manages the credit quality of the unsecured CCS portfolios, partnering with Consumer Financial Services, Education Financial Services and Retail Services from origination through account management and authorizations to collections.

The Consumer Credit Card Acquisitions Risk area has an exciting and visible opportunity for an experienced risk consultant to lead the underwriting and decision strategy for card specific to data usage, new data sourcing and business case building. This senior consultant will develop initial underwriting and policy recommendations and conduct ongoing research and proactively follow-up on existing policies.

The selected individual will:

  • Evaluate and size opportunities, prioritize work, build business cases, adhere and implement test and learn discipline
  • Partner with Consumer Lending Group Credit, CARE team to develop and utilize new sources of data, both internal relationship data and bureau data needed to manage credit policy
  • Manage complex analysis to policy to assure profitable growth while minimizing credit/operating losses and other risk exposures with ability to adapt to changing economic/regulatory environments
  • Engage and partner closely with various credit, finance, marketing, compliance and product groups to develop risk criteria and propose new strategies
  • Review and present a credible challenge to new models/tools utilized by partners to understand the portfolio change and credit risk inherent in their use
  • Create and share performance monitoring on various credit, vintage, product, offer, channel, mix, delinquency, and loss rates in order to inform policy and underwriting strategy decisions
  • Develop and present strong, well communicated incremental business cases
  • May direct or coach the work of lower level consultants
  • Uphold and be an advocate for Wells Fargo risk culture statement

The desired individual will be self-motivated and have strong interpersonal skills in order to actively manage risk while leading and implementing ideas in a cross-functional team environment.

**Preferred location is San Francisco, CA, Concord, CA and West Des Moines, IA.**

Required Qualifications

  • 6+ years of risk experience
  • A Master's degree or higher
  • 4+ years of consumer lending experience

Desired Qualifications

  • 5+ years of SQL or SAS experience

Other Desired Qualifications
  • Proven experience in building partnerships, collaborating and influencing at senior levels and across business and functions
  • Relationship building and ability to drive decision making through a consensus building approach
  • Demonstrated success in collaborating to address concerns and solve problems
  • Demonstrated excellence at developing sound credit processes, and when needed, evaluating and enhancing existing processes
  • Strong Written and Verbal communication skills
  • Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic
  • Effectively and constructively lead change in an organization


All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

Relevant military experience is considered for veterans and transitioning service men and women.

Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


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