Risk Analytics Consultant

Desired Qualifications

• 2+ years of experience in one or a combination of the following: analytics, reporting, financial modeling, statistical modeling, finance, or accounting; or a BS/BA or higher in Finance, Accounting, Statistics, Economics or Business
• Good 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.
• Good knowledge of Acquisitions, Account management and Collections functions on Unsecured Lending products.
• 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.
• Ability to thrive in a rapidly evolving environment while staying focused on business objectives.
• Eagerness to contribute collaboratively on projects and discussions.
• Ability to summarize findings and explain in plain language for a broad audience.
• Ability to collaborate with multiple business partners at all levels of the organization.
• Strong analytical skills with high attention to detail and accuracy.
• Strong communication, interpersonal and leadership abilities to develop partnerships, lead projects independently and collaborate with other business and functional areas.
• 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
• Good understanding of Autosys automation tool, coordinate with execution team for setting up or updating the Job schedules
• Monitor Job schedule in automation tool, perform route cause analysis and fix the Job failures within given SLA’s
• 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 deliverable
• Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important.
• Outstanding problem solving and analytical skills with ability to turn findings into strategic imperatives.
• Good 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 good negotiation, communication & presentation skills with high degree of reliability, integrity and trustworthiness and should contribute to strategic decisions and coordinate with multiple stakeholders.

Job Expectations:

The ideal candidate will be responsible for maintaining 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 processes as well as identify and monitor risk.

Responsibilities

• Understand different SOR systems and data flow architecture that populates data into risk DataMarts.
• Collect appropriate data for analysis by connecting to various data sources and platforms, combining structured and non-structured data.
• Ensure data accuracy on the deliverables by conducting regular audits, troubleshooting and validating 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 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, Account Management, Collections and Loss Forecasting models on consumer lending products.
• Ability to work independently, manage multiple projects and meet or exceed deadlines.
• 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, encourage automate and streamline the process using GenAI.
• 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.

Posting End Date:

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

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. 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.

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 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.