Wells Fargo India | Lead Credit Risk Analytics Consultant

Responsibilities

• The team is seeking a highly motivated and talented individual to be part of Originations strategy team of the Retail Services -Credit Strategy & Enablement team.
• To be effective in this position, you will need to have a deep understanding of credit and merchant from an acquisitions perspective, a broad and strategic perspective on origination risk management, practice in the test and learn discipline for strategy development and be fluent in both the key technical tools of credit risk decisioning and sound credit judgment.
• Assesses and predicts risk and performance through business analysis and/or modeling.
• Establishes effective policies, processes, and tools to identify and manage risks.
• Reports on asset quality, portfolio trends, credit policy exceptions across various credit, vintage, product, offer, channel, industry segments using visualization tools such as Excel VBA, Tableau Power BI.
• Ensures resolution of matters requiring attention (MRA) from outside regulators, Audit, Corporate Model Risk or internal review teams.
• Leads implementation of complex initiatives with moderate to high risk for the line of business.
• Lead project teams and may mentor but does not manage other team members.
• Develop complex programming models to extract data and/or manipulate databases such as ORACLE, Teradata, BMG etc.
• Acts as a subject matter expert for executive leadership on highly complex issues.
• Uses predictive sciences for developing future ready solutions.
• Develops comprehensive merchant /industry monitoring frameworks and dashboards and provide statistically sound diagnostic evaluation of any emerging or unexpected risk areas to enhance intelligence and facilitate faster decision making.

Requirements

• 5+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, education.
• Over all experience around 5+ years in similar role with at least 5 years of unsecured lending experience in analytic functions.
• Bachelor’s degree or higher in a quantitative fields such as applied mathematics, statistics, engineering, finance, economics, econometrics or computer sciences.
• Experience in credit risk analytics, merchant risk management.
• Advanced SAS, Macros knowledge, R, Python.
• Advanced degree in statistics/finance /engineering/other quantitative disciplines.
• Knowledge of MS Office Tools / Segmentation Tools / Decision Trees.
• Strong technical skills and problem solving skills.
• Strong operational and execution skills, with keen attention to detail.
• Strong Knowledge of MS Office Tools / Segmentation Tools / Decision Trees
• Experience working horizontally across the organization.
• Masters in a Quantitative or Advanced Analytics discipline

Wells Fargo

Wells Fargo & Company is one of the largest banks in the United States, offering consumer and commercial banking, corporate and investment banking, and wealth and investment management. Its India arm, Wells Fargo International Solutions, supports these global businesses from Hyderabad, Bengaluru and Chennai.

Wells Fargo's India centres hire finance professionals across financial reporting, accounting, tax, treasury, audit, risk, compliance, lending operations and investment operations. Many of these roles suit CA, CFA, MBA (Finance), ACCA, CPA holders and commerce graduates.

• Industry: Banking and financial services
• Headquarters: San Francisco, USA
• In India: Large international services centres in Hyderabad, Bengaluru and Chennai (Wells Fargo International Solutions)