Lead Decision Science Consultant, Credit Card

About this role:

Wells Fargo is seeking a Lead Risk Analytics Consultant to support the Decision Science function within the Credit Card organization. This role will focus on Risk Underwriting and Line Assignment strategies.

The role leverages deep expertise in credit card strategy and P&L modeling, applying state-of-the-art methodologies and technologies to build robust valuation frameworks that inform strategic decision-making. Through advanced analytics and forecasting, this individual will evaluate underwriting and line assignment strategies, assess the financial impact of lending decisions, and provide insights into portfolio performance, profitability, and risk outcomes across the Credit Card business.

This position combines quantitative rigor with qualitative judgment and requires a strong foundation in mathematics, statistics, economics, credit risk, and financial valuation. Successful candidates will possess strong analytical and technical capabilities, along with the ability to interpret complex data, identify the key drivers of portfolio performance, and communicate findings and business implications to senior leadership. Learn more about the career areas and business divisions at wellsfargojobs.com.

In this role, you will:

• Support strategy optimization through the advanced segmentation strategies and granular financial cash flow valuations that deploy state-of-the-art programming and statistical methodologies.

• Lead complex initiatives related to business analysis and valuation modeling, including those that are cross functional, with broad impact, and act as key participant in assumption and data aggregation, developing & monitoring strategy specific models, and reporting on financial returns

• Review and analyze complex programing models to extract data and manipulate databases to provide statistical and financial modeling specific to businesses supported

• Manage the roll out of pilot programs developed as a result of programmed models for supported businesses and product line

• Make decisions in complex product strategies, data modeling, and risk exposure, requiring solid understanding of business unit projects and regulatory responses, policies, procedures, and compliance requirements that influence and lead Analytic and Reporting to meet deliverables and drive new initiatives

• Collaborate and consult with peers, less experienced to more experienced managers, to resolve production, project, and regulatory issues, and achieve risk analysts, and common modeling goals

• Lead projects, teams, and mentor

Required Qualifications:

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

Desired Qualifications:

• Experience supporting credit card acquisition, underwriting, and/or line assignment strategies through analytics, modeling, and forecasting

• Strong understanding of credit card portfolio economics, including revenue, expense, loss, profitability, and net present value (NPV) drivers

• Experience developing, enhancing, or applying valuation frameworks, cash flow models, P&L analyses, or profitability models to evaluate business strategies and portfolio performance

• Advanced programming experience using Python and SAS for statistical analysis, forecasting, modeling, and strategy evaluation

• Consumer lending cash flow valuation modeling experience

• Experience analyzing large datasets and translating complex analytical findings into actionable business insights and recommendations

• Strong communication and presentation skills, including the ability to communicate analytical findings, business implications, and recommendations to senior leadership

• Experience leading complex analytical initiatives from analysis through implementation, monitoring, and performance evaluation

• Graduate degree in Mathematics, Statistics, Finance, Economics, Data Science, Computer Science, or a related quantitative discipline

Job Expectations:

• Ability to travel up to 5% of the time

• This position is not eligible for Visa sponsorship

• This position offers a hybrid work schedule

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

Locations :

• 2200 Concord Pike, Wilmington, DE 19803

• 401 Las Colinas Blvd Irving, TX 75039

• 550 S Tryon Charlotte, NC 28202

Required locations listed above.

Posting End Date:

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

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. 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.

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 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.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.