Wells Fargo

Job Category:

Risk/Compliance

Location:

San Francisco, California

Country:

US

Approximate Salary:

Not Specified

Position Type:

Full Time

Phone:

415) 820-7800

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Credit Risk Analytics Manager 2 - Portfolio Analytics

Wells Fargo - San Francisco, California

Posted: 10/20/2018

Job Description

At Wells Fargo, we want to satisfy our customers financial needs and help them succeed financially. We’re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you’ll feel valued and inspired to contribute your unique skills and experience.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

Consumer Lending is an industry leader in supporting homeowners and consumers. Our group includes Home Lending, Personal Lending, and Wells Fargo Auto, and the professional services teams that partner with these businesses. Our foundation for success can be summarized in three beliefs: Our product is service. Our value added is financial advice and guidance. Our competitive advantage is our people. We’ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.

Consumer Credit Solutions Portfolio Risk Management is looking for a Credit Risk Analytics Manager to lead the Competitive Analysis, Portfolio Analytics, Recession Planning, Model Ownership & Governance, New Data Sources team in support of consumer credit cards (general purpose and private label) and personal lines of credit. This leader is expected to have a deep understanding of consumer lending businesses as well as extensive knowledge of effective risk management practices, analytical methodologies and business strategy.

The qualified candidate will lead a highly skilled and motivated team to achieve the following objectives:

  • Enhance the group’s ability to understand industry best practices through competitive analyses and inform strategies.
  • Understand the implications of all our actions (line increases, line decreases, upgrades, BT, etc.) on the portfolio performance
  • Comprehensive recession planning
  • Innovate next generation data sources to improve account management strategies & programs
  • Ensure model governance requirements are met, track performance for vulnerable segments, and identify opportunities to enhance model discrimination.

To thrive in this collegial environment, candidate must have demonstrated ability to learn rapidly and solve problems dynamically, excellent communication skills to unite diverse opinions, high degree of initiative with a strong drive for results, and strong interpersonal skills to build relationships with partners in Product, Marketing, Finance, and Operational Risk.

Responsibilities may include:

  • Manage a team of 3-5 risk consultants who support Credit Card, ULOC, Dillard’s and Retail Services products
  • Provide analytical support for strategic initiatives w.r.t. competitive analysis and recession planning
  • Ownership of account management models - develop and maintain documentation to meet governance requirements
  • New Data Sources – identify and analyze potential new data sources for use in account management risk strategies
  • Support Audit, Exam, SHRP, Operations, Executive Office and customer inquiries
  • Develop strong relationships with key Risk, Model Governance, Product and Marketing partners to satisfy the above responsibilities

As a Team Member Manager, you are expected to achieve success by leading yourself, your team, and the business. Specifically you will:

  • Lead your team with integrity and create an environment where your team members feel included, valued, and supported to do work that energizes them.
  • Accomplish management responsibilities which include sourcing and hiring talented team members, providing ongoing coaching and feedback, recognizing and developing team members, identifying and managing risks, and completing daily management tasks.
Required Qualifications

  • 7+ years of risk reporting experience, risk analytics experience, or a combination of both
  • 2+ years of management experience, in a risk environment
  • 7+ years of credit risk experience
  • 5+ years of SAS programming experience
  • 1+ year of statistical modeling experience
Other Desired Qualifications


Beyond experience, the right personal style and attitude are critical to success in this role.

  • Demonstrated ability to develop and execute strategic solutions that meet business constraints
  • Analytical expertise in using decision science and statistical analysis methodologies to combine and analyze data from numerous complex upstream and downstream data systems
  • Well-developed interpersonal skills and ability to flourish in a collaborative working environment
  • Strong organizational skills, prioritization ability and an ability to learn / apply new skills quickly
  • Ability to effectively communicate performance results, performance updates and key initiatives (both written and orally) to senior risk management personnel
  • Outstanding in creating insightful executive presentations
  • Advanced degree in computer science, MIS, statistics, finance, economics, engineering or similar quantitative disciplines
  • Portfolio risk management experience in the financial services sector
  • Previous experience with unsecured lending with a focus on credit cards
Disclaimer

  • 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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