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 Cards and Loan products. Individuals in this role will work with strategy validation Team, Risk Business Team. Responsibility to design and develop Business rules/ Strategies in Decision system. Provide analytical input to 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.
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
Desired Qualifications:
- 2+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- Strong hands-on experience with decision systems (Zoot, FICO DMP, Experian PowerCurve, TRIAD, SAS ID etc).
- Design and Develop Business rules for new Products/business rules/ strategies or BAU changes.
- Understand validation codes/ scripts in SAS/SQL, databases (like Teradata, Oracle).
- Basic knowledge of Type of testing like System integration, User acceptance and Regression testing.
- Ability to use Python for data analysis, automation, validation, and reporting activities supporting decision strategy implementation.
- Exposure to GenAI and Agentic AI use cases to identify automation opportunities and improve efficiency across analytics, testing, validation, and decisioning workflows.
- 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.
- Knowledge and understanding of unsecure lending practices, policies, and procedures, ability to learn the business aspects quickly, multitask and prioritize between projects.
Job Expectations:
- Work on Decision systems like Zoot Webrule builder/ FICO DMP/ Experian Powercurve.
- Translate business requirements into decision engine logic, rule flows, strategy components, and implementation specifications.
- Develop Business rules in Decision systems using its components for unsecured lending life cycle processes like Acquisition/ Portfolio management/ Collections strategies.
- Basic understanding of decision systems interaction with other systems and involvement in end-to-end technical architecture for Credit card/ Personal loan.
- Actively participate in scrum ceremonies, team discussions. Support Teams to reach their goals.
- Ownership of project deployment in UAT and Production.
- Responsible for quick support and fix during production deployments. Deep dive into data and systems. Identify root cause for strategy decision's deviations.
- Be a Team Player and provide thought leadership on the projects, driving new ideas and identify opportunities.
- The candidate should be able to prioritize work, meet deadlines, achieve goals and work under pressure in a dynamic and complex environment. Detail oriented, results driven, and could navigate in a quickly changing and high demand environment while balancing multiple priorities.
- Operates with a sense of urgency, particularly towards deadlines, audit, and deliverables.
- 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.
- Collaborate, Coordinate and communicate with multiple stakeholders like Decision system development Team, Product Team, Scrum Team, Validation Team. Understand requirements and design and develop business rules in system.
5 Jul 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 (credit risk, credit cards and loan products)
- Hands-on experience with decision systems (Zoot, FICO DMP, Experian PowerCurve, TRIAD, SAS ID)
- Design and develop business rules and strategies for decisioning/BAU changes
- Experience with SAS and SQL scripting and working with databases (Teradata, Oracle)
- Basic knowledge of testing types (system integration, user acceptance, regression)
- Ability to use Python for data analysis, automation, validation, and reporting
- Exposure to GenAI and Agentic AI use cases for automation in analytics and decisioning workflows
- Domain knowledge of credit card and personal loan lifecycles, credit risk strategies, segmentation, and scorecards
- Familiarity with unsecured lending policies, regulatory considerations, and related procedures
- Experience translating business requirements into decision engine logic and supporting UAT/production deployments
Wells Fargo Compensation & Benefits Highlights
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Healthcare Strength — Health coverage begins on day 1 with medical, dental, and vision, and includes mental health, prescription drugs, and preventive care often covered at 100% in-network. Well-being resources such as 24-hour clinical support and an Employee Assistance Program add to the breadth.
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Parental & Family Support — Paid parental leave provides up to 16 weeks for a primary caregiver (4 weeks for non-primary) alongside fertility benefits and up to a $35,000 lifetime reimbursement for adoption, surrogacy, and donor expenses. Backup child and adult care further supports family needs.
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Retirement Support — Retirement benefits feature a 401(k) with company matching contributions up to 6% of eligible pay. An employee stock purchase plan adds another avenue for long-term savings.
Wells Fargo Insights
What We Do
Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.1 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 once again ranked in the top three – making us the #1 financial services employer – on the 2025 LinkedIn Top Companies list of best workplaces “to grow your career” in the U.S. 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.
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