Lead Credit Risk Analyst

2 weeks ago

Dallas, Texas, United States Wells Fargo Full time

Overview of the Position:

Wells Fargo is in search of a Lead Credit Risk Analyst to become an integral part of a team that is pivotal in driving the successful expansion of the Consumer Financial Services (CFS) Credit Card and Personal Loans offerings. This role will support the Acquisitions Risk decision-making framework. You will collaborate with various departments including Marketing, Risk, Finance, and Fulfillment to create decision-making solutions that enhance portfolio growth and profitability through the utilization of Zoot's WebRules. This position plays a vital role in the Software Development Life Cycle (SDLC) within the Risk domain.

Key Responsibilities:

  • Engage actively in project team discussions and establish proactive communication with essential partners and stakeholders.
  • Design and implement effective and efficient credit risk business rule solutions.
  • Participate in Agile methodologies through Epics, User Stories, and Sprints.
  • Conduct research and provide problem-solving solutions in a timely and accurate manner.
  • Collaborate closely across all sectors of the credit organization to ensure comprehensive requirements are met in your systems solution design. Your involvement in projects should lead to solution designs that are efficient, scalable, and adaptable to both anticipated and unanticipated events.
  • Demonstrate experience in crafting business solutions utilizing business rules software or adaptive control systems. Success in this role requires leveraging your understanding of the interdependencies among decisioning systems, source data, business processes, and lending products.
  • Cultivate professional and effective working relationships with key partners and stakeholders.
  • Maintain consistent, timely, and professional communication, support our Agile initiatives, and exemplify a collaborative, communicative, and positive work ethic.

Essential Qualifications:

  • A minimum of 4 years of experience in Credit Risk, or equivalent demonstrated through a combination of work experience, training, military experience, or education.

Preferred Qualifications:

  • At least 5 years of experience with proven knowledge in rules development using automated decisioning systems or business rules management platforms such as ZOOT WebRules, Blaze, ACAPS JRules, or similar applications.
  • Excellent verbal and written communication skills.
  • A demonstrated history of developing innovative solutions to common business challenges.
  • Experience working on cross-functional teams throughout the software development lifecycle.
  • A results-driven mindset, awareness of deadlines, and the ability to respond effectively to changing priorities.
  • Ability to build relationships through collaboration and teamwork.
  • High standards of integrity and honesty.
  • Familiarity with credit bureau data from major providers.
  • An investigative and inquisitive nature.
  • Comfort in working both independently and as part of an analytical or cross-functional team.
  • Knowledge of various data marts to source data that enhances decision-making, or experience coding business processes in relevant programming languages.
  • A Bachelor’s degree in a relevant field.

Job Expectations:

  • Willingness to work at one of the approved locations.
  • This position offers a hybrid work schedule.

Diversity and Inclusion:

At Wells Fargo, we are committed to fostering a diverse, equitable, and inclusive workplace. We welcome applications 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, or any other status protected by applicable law.

Employees are expected to support our focus on building strong customer relationships while maintaining a robust risk management and compliance-driven culture, which is essential for the success of our customers and the organization.

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