Lead Credit Risk Officer / Unsecured Lending

About this role:

Wells Fargo is seeking a Lead Credit Risk Officer in the Consumer Unsecured Lending Risk organization supporting the Data & Decision Infrastructure Team. This role will deliver insights and decision strategies to maximize profits and/or asset growth, mitigate credit risk, manage operating losses and other risk exposures. Covers jobs responsible for strategy/model implementation, data integrity, data aggregation, analysis, and interpretation in support of the monitoring and oversight of the credit portfolio, market risk or capital.

In this role, you will:

• Lead complex initiatives including those that are cross-functional with broad impact and act as key participant in driving the company credit culture, desire, and business performance for Credit Risk
• Review and analyze complex strategies, programs and policies with a direct and significant impact on credit risk appetite and culture
• Receive direction from leaders
• Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements
• Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals
• Interact with internal and external customers
• Collaborate with business for oversight of risk management
• Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics

Required Qualifications, US:

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

Desired Qualifications:

• Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment.
• High attention to detail and accuracy
• Strong critical thinking skills and ability to solve problems
• Excellent verbal, written, and interpersonal communication skills
• Ability to develop partnerships and collaborate with other business and functional area.
• Hands on experience, knowledge, development and maintaining of SAS and SQL
• Hands-on experience, knowledge and understanding of translating business requirements into functional design, drafting user story, test cases and test scripts
• Hands-on experience working with projects using Agile methodology and JIRA to document user stories and track issues

Job Expectations:

• Work collaboratively and effectively with technical partners, business partners and strategy experts to help implement strategies, segmentation models and new technologies
• Develop and implement data framework that is designed to manage and triangulate the complexity among processes, strategies and workflows
• Responsible for process production, data reconciliation and model documentation in alignment with policy governance
• Lead large scale cross functional/cross business unit projects and regulatory responses
• Motivate teams and lead strategic initiatives, collaborating across a large organization and multi-tasking as required
• Effectively work on a highly diverse team who are geographically dispersed across multiple time zones located in the U.S and India

Posting Locations: (This position offers a hybrid work schedule)

• West Des Moines, IA
• Charlotte, NC
• Minneapolis, MN
• Tempe, AZ
• Dallas, TX

Preferred location(s) listed above. Other locations within the Wells Fargo footprint may be considered for current Wells Fargo Corporate Risk employees.

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, age, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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.