Senior Credit Risk Specialist, Business Credit Card Originations Credit Strategy

About this role:

Wells Fargo is seeking a Senior Credit Risk Specialist to join the Credit Enablement Strategy team. This role supports the analytics, monitoring, and optimization of credit strategies that influence how customers are evaluated, approved, and managed throughout the originations process.

The team provides insights and recommendations that help drive growth while balancing risk objectives across areas such as underwriting, credit line assignment, pricing, customer acquisition, and portfolio performance. This position plays a key role in evaluating strategy effectiveness, identifying trends and opportunities, and translating data into actionable recommendations for business and risk leaders.

Success in this role requires a combination of analytical problem-solving, business acumen, and strong communication skills. The ideal candidate will be comfortable working with large datasets, developing data-driven insights, and partnering across Risk, Marketing, Product, Finance, Technology, and Operations to support strategic decision-making. Equally important is the ability to synthesize complex information into clear narratives, presentations, and recommendations for senior leadership.

This is an opportunity to influence credit strategy outcomes by turning data into insights that help inform profitable business decisions, improve customer acquisition performance, and support responsible growth. Learn more about the career areas and business divisions at wellsfargojobs.com.

In this role, you will: In this role, you will:

Support originations credit strategy workstreams, including underwriting, initial credit line assignment, pricing, channel performance, and portfolio monitoring

Analyze application volume, approval rates, booked account trends, credit quality, credit line assignment, pricing, and early performance outcomes

Monitor strategy performance and identify trends, variances, risks, and opportunities to support growth and risk management objectives

Convert data and analytical findings into insights, recommendations, and executive-ready materials

Use data extraction and analytical tools to summarize performance, diagnose outcomes, and support strategy recommendations

Support forecasting, valuation, and scenario analysis related to acquisition volume, booked accounts, credit exposure, channel plans, and strategy changes

Partner with Product, Marketing, Finance, Modeling, Operations, Technology, Compliance, Fair Lending, and control partners to align analytical insights with business decisions

Develop reporting, dashboards, recurring performance views, and standardized analytics to improve visibility into originations strategy performance

Support test-and-learn activities, measurement plans, and monitoring routines for credit strategy changes

Maintain clear documentation of assumptions, methodology, monitoring results, recommendations, and decision rationale in support of governance and risk expectations

Required Qualifications

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

Desired Qualifications

Experience supporting credit risk strategy, originations strategy, underwriting, credit line assignment, pricing, or portfolio performance analytics

Experience with credit card, small business lending, commercial card, consumer credit, unsecured lending, or revolving credit products

Strong analytical skills with experience monitoring trends, diagnosing performance drivers, and converting findings into actionable recommendations

Experience working with large datasets, performance reporting, segmentation, strategy measurement, scenario analysis, or test-and-learn analytics

Experience using analytical tools such as SQL, SAS, Python, R, Tableau, Power BI, or similar tools for data extraction, analysis, reporting, or visualization

Ability to synthesize complex data into clear insights, executive-ready materials, and leadership-level recommendations

Experience partnering with cross-functional stakeholders across Risk, Product, Marketing, Finance, Modeling, Operations, Technology, Compliance, or control functions

Knowledge of credit policy, fair lending considerations, profitability measurement, portfolio risk indicators, or strategy governance documentation

Experience building or enhancing reporting, dashboards, reusable datasets, data quality checks, or standardized analytical routines

Strong written, verbal, and visual storytelling skills with the ability to communicate analytical insights, risks, tradeoffs, and recommendations to senior leaders

Job Expectations:

Ability to travel up to 10% 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

550 S Tryon Charlotte, NC 28202

3075 Loyalty Cir, Columbus, OH 43219

Required locations listed above. Relocation assistance is not available for this position.

Pay Range

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.

$100,000.00 - $179,000.00

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

Health benefits

401(k) Plan

Paid time off

Disability benefits

Life insurance, critical illness insurance, and accident insurance

Parental leave

Critical caregiving leave

Discounts and savings

Commuter benefits

Tuition reimbursement

Scholarships for dependent children

Adoption reimbursement

Posting End Date:

10 Aug 2026

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

We Value Equal Opportunity

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.

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.