Jobs for People with MS: National MS Society

About this role:

Wells Fargo is seeking a Lead Credit Risk Officer in the Small Business Card Risk CRO Organization and will leverage their knowledge and experience of customer life-cycle risk management, risk models, agile execution, risk oversight and optimization to develop, enhance, and oversee implementation of unsecured credit risk strategies in specific areas of originations, account management, fraud, and decision engines.

In this role, you will:

• Demonstrate understanding of credit risk data, strategies, and models across customers' life cycle

• Experienced in managing originations/account management decision engine capabilities

• Experience using Machine Learning Scoring tools and adverse action reasons in underwriting and pricing processes

• Experiencing establishing a framework across the credit life-cycle for underwriting strategies that are stress resilient and can be aggregated to measure against compliance with a portfolio credit risk appetite

• Engage and influence stakeholders, internal partners and peers associated with initiatives that cross multiple lines of business in scope with significant impact and risk

• Identify and recommend opportunities for process improvement and risk control development to drive the company credit culture, desire, and business performance

Required Qualifications:

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

Desired Qualifications:

• 5+ years of experience within a consumer lending business, strong risk background and broad familiarity with regulation and risk requirements

• Preferred experience in Business Card or Consumer Lending

• Experience in owning and modifying Credit Risk strategies

• Ability to present complex concepts in layperson terms; easily tailor communication style among diversified audience ranging from executive level to analysts

• Advise senior business leadership regarding appropriate policies and processes leveraging risk management metrics/business scorecard, track performance, and monitor trends across the business

• Proven ability to foster constructive relationships with regulatory agencies, peers at other financial institutions, business leaders, and other internal risk management leaders/groups

• Demonstrated ability to operate independently and effectively build relationships within a matrixed environment to influence outcomes both within Unsecured Lending, Consumer Lending and IRM

• Proven communication skills with the ability to influence, develop, partner, and collaborate at all levels within the organization and externally with customers, regulators, partners, and communities

• Deep knowledge of the infrastructure needed to support a line of business, leading-edge risk practices, and required end-to-end processes

• Strong process management and reengineering skills

• Master's degree in a quantitative field

Job Expectations:

• This position currently offers a hybrid work schedule.

Posting Locations:

• 401 S Tryon Street, Charlotte, North Carolina

• 2200 Concord Pike, Wilmington, Delaware

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

Posting End Date:

25 Aug 2024

*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.

Company: WELLS FARGO BANK

Req Number: R-381323-2

Updated: Sun Aug 18 03:51:16 UTC 2024

Location: WILMINGTON,Delaware