Lead Credit Risk Analyst

2 weeks ago

Dallas, Texas, United States Wells Fargo Full time

About this Position:


Wells Fargo is looking for a Lead Credit Risk Analyst to join our Collections Risk Strategy / Unsecured Default Servicing Risk team, which is part of the Consumer Lending Chief Risk Office (CRO).

Discover more about our career opportunities and business sectors at Wells Fargo.

Key Responsibilities:
• Spearhead strategic projects, collaborating across a vast organization while managing multiple tasks efficiently.

• Foster and uphold a culture of transparency within the team.

• Exhibit a profound understanding of risk management principles and methodologies for identifying and controlling various risk types.

• Showcase exceptional verbal, written, and interpersonal communication skills.


• Collaborate effectively with a diverse team spread across different time zones, including locations in the US, India, and the Philippines.

• Be open to taking on additional responsibilities as necessary.

• Formulate and execute collection strategies to ensure prompt recovery of overdue accounts.

• Monitor and assess portfolio performance, providing regular updates to senior leadership regarding collections activities and performance metrics.

• Ensure compliance of the collections process with applicable laws, regulations, and industry standards.

• Work alongside other departments, such as credit and customer service, to enhance the overall customer experience and resolve disputes.

• Build and maintain relationships with key stakeholders, including regulators and external debt collection agencies, to improve collections outcomes.

• Continuously seek and implement process enhancements to boost the efficiency and effectiveness of the collections operation.

• Engage and influence stakeholders, internal partners, and peers involved in initiatives that span multiple business lines with significant impact and risk.

• Identify and propose opportunities for process improvements and risk control development to strengthen the company's credit culture and business performance.

• Determine suitable strategies and actions for the Credit Risk team to address moderate to high-risk deliverables.

• Interact with both internal and external customers effectively.

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

Preferred Qualifications:
• Strong academic background with an M.B.A. or master's degree is preferred.

• Comprehensive understanding of various risk types, including compliance, financial crimes, operational risk, audit, legal, credit risk, market risk, and IT systems security.

• Exceptional quantitative and analytical thinking skills.

• Innovative problem-solving abilities.

• Capability to meet tight deadlines.

• Strong organizational, multitasking, and prioritization skills.

• Ability to thrive in a fast-paced, deadline-driven environment.

• Advanced proficiency in Microsoft Office applications.

Job Expectations:
This role offers a hybrid work schedule.

This position is not eligible for visa sponsorship.

No relocation assistance is provided for this role.

Ability to work at one of the approved locations mentioned in the job posting.

Company Commitment:

At Wells Fargo, we value diversity, equity, and inclusion in the workplace. We encourage 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, status as a protected veteran, 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 culture, which is vital to our success.

They are responsible for executing all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes adhering to Wells Fargo policies and procedures, fulfilling risk and compliance obligations, timely escalation and remediation of issues, and making sound risk decisions.

There is a strong emphasis on proactive monitoring, governance, risk identification and escalation, as well as making informed risk decisions aligned with the business unit's risk appetite and all risk and compliance program requirements.


We are committed to providing accommodations for applicants with disabilities during the recruitment process. To request a medical accommodation, please visit our Disability Inclusion page at Wells Fargo.



Wells Fargo maintains a drug-free workplace. Please refer to our Drug and Alcohol Policy for more information.

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