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The Role
Supports credit risk analytics and decision-strategy implementation for unsecured lending products, including credit cards and personal loans. Validates business rules through unit, functional, SIT, UAT, and regression testing; analyzes data flows and databases; supports deployments and monitoring; prepares performance reports; and identifies process improvements. The role collaborates with risk, business, compliance, and global teams while contributing to regulatory requests, automation, Agile delivery, and decision-engine strategy optimization.
Summary Generated by Built In
About this role:
Wells Fargo is seeking a Risk Analytics Consultant (Assistant Vice President) which is an individual contributor role 2+ years of experience in credit risk analytics domain, primarily with Credit Card and Loan products. Individuals in this role will support the development Team, Risk Business Team. Responsibility to validate Business rules/ Strategies using various type of testing like Functional testing, User acceptance testing and Regressions testing. Provide analytics to help improve efficiency and effectiveness.
The ideal candidate will be able to partner with the US team and India team to identify opportunities to optimize the existing process with zero defect leakage in assigned tasks. Additionally, should be able to understand business requirements for complex business rules.
The role is linked to Decision Science Strategy Enablement team that supports various Unsecured Consumer lending products - Cards, Co-Brand, Retail Services, Personal Loans and Flex Loan. Business Policy Rules/ Strategy implementation using Decision Engines like Zoot Webrule builder, FICO DMP, Fiserv-ACS/ Optis, Experian Powercurve. Decision Engines help to drive Acquisition/ Portfolio Management/ Authorization/ Collections risk management decisioning of unsecured lending with rules design, development, and various types of testing. Scope involved in supporting all new product launches and BAU releases
In this role, you will:
23 Aug 2026
*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.
Wells Fargo is seeking a Risk Analytics Consultant (Assistant Vice President) which is an individual contributor role 2+ years of experience in credit risk analytics domain, primarily with Credit Card and Loan products. Individuals in this role will support the development Team, Risk Business Team. Responsibility to validate Business rules/ Strategies using various type of testing like Functional testing, User acceptance testing and Regressions testing. Provide analytics to help improve efficiency and effectiveness.
The ideal candidate will be able to partner with the US team and India team to identify opportunities to optimize the existing process with zero defect leakage in assigned tasks. Additionally, should be able to understand business requirements for complex business rules.
The role is linked to Decision Science Strategy Enablement team that supports various Unsecured Consumer lending products - Cards, Co-Brand, Retail Services, Personal Loans and Flex Loan. Business Policy Rules/ Strategy implementation using Decision Engines like Zoot Webrule builder, FICO DMP, Fiserv-ACS/ Optis, Experian Powercurve. Decision Engines help to drive Acquisition/ Portfolio Management/ Authorization/ Collections risk management decisioning of unsecured lending with rules design, development, and various types of testing. Scope involved in supporting all new product launches and BAU releases
In this role, you will:
- Participate in less complex analysis and modeling initiatives, and identify opportunity for process production, data reconciliation, and model documentation improvements within Risk Management
- Review and analyze programing models to extract data, and manipulate databases to provide statistical and financial modeling, and exercise independent judgment to guide new and existing projects with medium risk deliverables
- Coordinate and consolidate the production of monthly, quarterly, and annual performance reports for more experienced management
- Present recommendations for resolving data reconciliation, production, and database issues
- Exercise independent judgment while developing expertise in policy governance, risk projects, and regulatory requests
- Collaborate and consult with peers, managers, experienced managers, compliance, including various lines of business
- 2+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- Work with decision systems (Zoot Webrule Builder, FICO DMP, Experian PowerCurve) to implement, validate, and monitor strategies across the unsecured lending lifecycle (Acquisition, Portfolio, Collections).
- Perform end-to-end testing (Unit, SIT, UAT, Regression) and validation using SAS/SQL frameworks to ensure strategy accuracy and system integrity.
- Manage UAT and Production deployments, including post-production monitoring, validation, and issue resolution.
- Analyze data flows, source systems (SOR), and Risk DataMarts, ensuring accuracy and alignment with business requirements.
- Develop automation solutions (VB Script, Selenium/UFT, UNIX shell scripting) to improve efficiency and reduce manual effort.
- Participate in Agile processes, contributing to sprint planning, execution, and continuous improvement.
- Provide technical guidance, stakeholder communication, and thought leadership to drive innovation and team effectiveness.
- Bachelor's degree in engineering, Technology, Mathematics, Econometrics, Computer Science, or related fields.
- 2+ years of experience in credit risk analytics (unsecured lending).
- Strong hands-on experience with SAS and SQL for data analysis, validation, and testing.
- Experience with data warehouses/databases (Teradata, Oracle, SQL Server, DB2).
- Understanding testing methodologies, system architecture, and data integration frameworks.
- Exposure automation tools/scripts (VB Script, Selenium, UFT, UNIX Shell scripting).
- Understanding credit cards and personal loan lifecycle.
- Knowledge of credit risk strategies, segmentation, scorecards, and decisioning frameworks.
- Familiarity with unsecured lending policies and regulatory considerations.
- Ability to write and work with Python for data analysis and automation.
- Hands-on exposure to GenAI and Agentic AI use cases, including applying AI-driven solutions in analytics or decisioning workflow
23 Aug 2026
*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.
Skills Required
- 2+ years of risk analytics experience or equivalent experience, training, military experience, or education
- Bachelor's degree in engineering, technology, mathematics, econometrics, computer science, or a related field
- Experience with credit risk analytics for unsecured lending
- Experience with SAS and SQL for data analysis, validation, and testing
- Experience with decision systems such as Zoot Webrule Builder, FICO DMP, or Experian PowerCurve
- Experience implementing, validating, and monitoring strategies across acquisition, portfolio management, and collections
- Experience with unit, SIT, UAT, and regression testing
- Experience managing UAT and production deployments, monitoring, validation, and issue resolution
- Experience with data warehouses or databases including Teradata, Oracle, SQL Server, or DB2
- Understanding of testing methodologies, system architecture, and data integration frameworks
- Experience with VBScript, Selenium, UFT, or UNIX shell scripting
- Understanding of credit cards and personal loan lifecycles
- Knowledge of credit risk strategies, segmentation, scorecards, and decisioning frameworks
- Familiarity with unsecured lending policies and regulatory considerations
- Ability to write and work with Python for data analysis and automation
- Exposure to GenAI and agentic AI use cases
Wells Fargo Compensation & Benefits Highlights
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Retirement Support — Retirement support is anchored by a dollar‑for‑dollar 401(k) match on employee contributions after one year of service, with an additional non‑matching company contribution for some lower‑paid employees. Access to an employee stock purchase plan further expands long‑term savings opportunities.
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Parental & Family Support — Family supports include up to 16 weeks of paid parental leave available from the first day of employment, plus paid critical‑caregiving leave and extensive backup care options. Fertility, adoption, and surrogacy programs are highlighted with meaningful coverage and reimbursements, including a combined lifetime maximum up to $35,000 for eligible expenses.
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Healthcare Strength — Health coverage is comprehensive from day one, spanning medical, dental, vision, mental health, prescriptions, and preventive care often fully covered in‑network. Employer cost‑sharing is emphasized alongside no‑cost counseling through the EAP within plan limits.
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The Company
What We Do
Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.2 trillion in assets. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 33 on Fortune’s 2025 rankings of America’s largest corporations. Our technology professionals drive innovation, information security, and big data analytics while maintaining a network that handles more than 12 billion customer interactions a year. Join us! Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader – we’re a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job – it’s about finding all of the elements to help you thrive, in one place. Living the Well Life means you’re supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You’ll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we’re recognized for it — Wells Fargo continues to rank on the LinkedIn Top Companies lists of best workplaces “to grow your career.” 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. © 2026 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.
Why Work With Us
We're known for our “Well Life” approach to supporting employees’ career aspirations, work-life balance, and mental and physical health. Wells Fargo continues to rank on the LinkedIn Top Companies lists of best workplaces “to grow your career.”
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Wells Fargo Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Typical time on-site:
3 days a week
