Wells Fargo
Lead Risk Analytics Consultant - Consumer Data Analytics / Automation / SAS
About this role:
Wells Fargo is seeking a Lead Risk Analytics Consultant.
The role is linked to Monitoring, Automation & Consumer Data Analytics part of CL Risk Analytics, Delivery & Oversight (CADO) team that supports various Unsecured Consumer lending products - Cards, Co-Brand, Retail Services, Personal Loans and Flex. Wells Fargo is seeking a Lead Risk Analytics Consultant / individual contributor role with experience in establishing automated data sourcing, sampling, loading and control execution capabilities that support risk analytics.
In this role, you will:
- Lead complex initiatives related to business analysis and modeling, including those that are cross functional, with broad impact, and act as key participant in data aggregation, monitoring, and reporting of stress testing and portfolio analysis for Risk Analytics
- Review and analyze complex programing models to extract data and manipulate databases to provide statistical and financial modeling specific to businesses supported
- Manage the roll out of pilot programs developed as a result of programmed models for supported businesses and product line
- Make decisions in complex product strategies, data modeling, and risk exposure, requiring solid understanding of business unit projects and regulatory responses, policies, procedures, and compliance requirements that influence and lead Analytic and Reporting to meet deliverables and drive new initiatives
- Collaborate and consult with peers, less experienced to more experienced managers, to resolve production, project, and regulatory issues, and achieve risk analysts, and common modeling goals
- Lead projects, teams, and mentor.
Required Qualifications:
- 5+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
Desired Qualifications:
- Provide influence and leadership in the identification of new tools and methods to analyze data.
- Collect appropriate data for analysis by connecting to various data sources and platforms, combining structured and non-structured data.
- Advise line of business functions on business strategies based on research of performance metrics, trends in population distributions, and other complex data analysis to maximize profits and asset growth and minimize operating losses within risk and other operating standards.
- Provide influence and leadership in the identification of new tools and methods to analyze data.
- Ensure adherence to compliance and legal regulations and policies on all projects managed.
- Strategically collaborate and consult with peers, colleagues, and mid-level to senior managers to resolve issues and achieve goals.
- Convert manual controls into data driven solutions that support multiple lines of business.
- Collaborate across people, processes, and technology/tools within a highly intensive and complex data environment.
- Ensure adherence to data management or data governance regulations and policies.
- Work as a leader to drive value to the business.
- Work with US partner to understand the business requirement and deliver a proper solution to drive business value and insights.
- Expert level knowledge on SOR systems and data flow architecture that populates data into risk datamarts.
- Good knowledge of Acquisition, Collections and Loss Forecasting models on consumer lending products.
- Ability to work independently, manage multiple projects and meet or exceed deadlines.
- Optimize reports and dashboards for performance and user experience.
- Monitor and maintain reporting systems, ensuring they are up to date, accurate and efficient.
- Identify trends, patterns and insights from complex datasets to provide actionable recommendations.
- Support senior management and strategy partners with dashboards that provide clear visibility into product performance and risk metrics.
- Perform root-cause analysis and on any discrepancies and inconsistencies in reports and datasets.
- Collaborate with various credit and product groups and external vendors to develop effective ways to manage new account decisions, leveraging best practices and new data/tools.
- Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment.
- Strong knowledge on Unsecured Consumer lending products - Cards, Co-Brand, Retail and Personal loans.
- Deep understanding of SAS (SAS EG, SAS Studio, SAS Viya) and SQL.
- Familiarity with Collections and Collection Strategies.
- Experience in Tableau or Power-Bi will be a plus.
- Ability to work with large databases and process flow through complex logic or merging algorithm.
- Complex query writing experience based on multiple data source requirements.
- Understanding of control automation.
- Strong analytical skills with high attention to detail and accuracy.
- Prior experience in similar credit risk reporting role with hands on experience working on Credit Cards and Loans products for US market, requires strong domain knowledge on Credit Cards and Loans.
- Strong experience in Enterprise data warehouse databases like –Teradata, SQL Server and DB2
- Strong experience on automation through SAS and Unix scripting
- Expertise in software and/or programming languages and tools (SAS, SAS Visual Analytics, SAS Viya, Unix scripting, Tableau, Python, SQL Server Management Studio, Microsoft SQL Server, Teradata, etc.).
- Ability to make timely and independent judgment decisions while working in a fast-paced and results-driven environment having ability to lead project teams and coordinate with multiple stakeholders.
- Operates with a sense of urgency, particularly towards deadlines, audit, and deliverables.
- Outstanding problem solving and analytical skills with ability to turn findings into strategic imperatives.
- Advanced experience creating executive level dashboards, analytics, and reports using advanced visualization tools.
- Builds & maintains relationships and trust with staff members, business partners, and stakeholders.
- Knowledge and understanding of credit card lending practices, policies, and procedures, ability to learn the business aspects quickly, multitask and prioritize between projects.
- Demonstrates strong negotiation, communication & presentation skills with high degree of reliability, integrity and trustworthiness and should contribute to strategic decisions and coordinate with multiple stakeholders.
- Strong project management skills with ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment.
Job Expectations:
- The ideal candidate will be responsible for leading multiple activities that include providing data-driven insights and developing analytical solutions to support a wide array of high priority business initiatives. The role involves collaboration with US team, India team and business stakeholders to understand their needs and to create actionable reports and insights to support decisions-making processes. This position requires expert level expertise in SAS, data visualization and an analytical mindset to provide meaningful insights from complex datasets. Additionally, should be able to determine business requirements for complex analysis, which will identify opportunities and make recommendations for improvements to business performance and process as well as identify and monitor risk.
- Strong communication, interpersonal and leadership abilities to develop partnerships, lead projects independently and collaborate with other business and functional areas.
- Shift Timings: 1:30 PM to 10:30 PM
Posting End Date:
5 Mar 2025
*Job posting may come down early due to volume of applicants.
We Value Diversity
At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment 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 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.
Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
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.
