Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as "Personal Cell" or "Cellular" in the contact information of your application.
At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.
Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.
Wells Fargo's Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether it's buying a home, purchasing a car, funding a significant purchase, or making important daily credit card purchases, Consumer Lending provides important credit products and services that help our customers succeed. The group includes Home Lending; Auto; Cards, Retail and Merchant Services; Personal Lending; Consumer Lending Control; and Consumer Lending Shared Services.
The Consumer Lending team partners with other businesses across Wells Fargo to create and deliver transformational experiences that help customers gain access to credit. The vision for the Consumer Lending business is to leverage technology and data to make it simple for customers to easily access credit when and where they need it. Consumer Lending serves customers across the country through our distribution network of more than 5,300 retail banking branches and Home Lending offices, as well as online and digital channels.
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.
Wells Fargo Acquisitions Risk has an exciting and visible opportunity for a Consumer Credit Senior Associate to be part of a team responsible for new accounts for Personal Loan & Line. This key individual will be responsible for line strategy development.
This individual will:
Manage risk, size opportunities, prioritize work, build business cases, adhere and test existing policy criteria
Manage complex analysis to assure profitable growth while minimizing credit/operating losses and reputation/compliance risk exposure
Partner closely with compliance and other business areas to develop risk criteria and propose strategies
Partner 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
Maintain timelines and provide business case development and approval
Manage the rollout of pilot programs and criteria changes that present risk
Create and share monitoring reporting on various credit, vintage, product, offer, channel, mix, delinquency, loss rate and performance information informing approval strategy decisions
Prepare and present work to senior managers to garner support and approval
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
Excellent verbal, written, and interpersonal communication skills
Knowledge and understanding of Tableau
Advanced Microsoft Excel skills
Advanced Microsoft PowerPoint skills
Strong analytical skills with high attention to detail and accuracy
Other Desired Qualifications
Results driven attitude, problem solving skills
Works effectively through change, able to multitask
4+ years prior credit underwriting, risk management, or comparable position with a credit product (or 2+ years with a Ph.D. degree)
Strong SAS and SQL data processing skills
Prior experience in both credit card and personal loan risk management role in unsecured lending, especially acquisition underwriting and line assignment
Proven track record with hands on experience in business analytics and recommendations
Excellent presentation and communication skills with all levels of audience
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.
Visit https://www.wellsfargo.com/about/careers/benefits for benefits information.