Wells Fargo is seeking a Senior Data Science Consultant within the Specialty Underwriting and Credit Services (Cards, Merchant Services, and Personal Loans) organization. The role focuses on leading the development and buildout of Smart Tools and AI to automate and streamline workflows and transform lending operations. The position requires a blend of strategic thinking, technical fluency, and execution rigor to build innovative solutions that enhance credit decisioning, operational efficiency, and strengthen risk management outcomes.
In this role, you will:
- Own the execution of AI, GenAI, and Smart Tool initiatives across underwriting and credit services-from ideation through build, deployment, and scale
- Design and develop intelligent automation solutions and scalable frameworks, leveraging platforms such as PowerApps, Power Automate, and other advanced analytics and automation tools
- Lead the buildout of integrated smart tooling ecosystems, combining data, decisioning logic, and workflow orchestration to streamline and modernize credit processes
- Drive AI and GenAI innovation, delivering use cases across underwriting, document intelligence, customer servicing, and decision support systems
- Establish reusable accelerators and standards to scale automation, analytics, and decisioning capabilities across lending workflows
- Drive continuous process transformation, identifying inefficiencies and delivering measurable improvements in throughput, accuracy, and customer experience
- Lead cross-functional collaboration and strategic partnerships, influencing stakeholders and ensuring successful delivery of programs, tools, and initiatives
- Oversee governance, controls, and scalability of solutions, ensuring sustainability, compliance, and enterprise alignment
Required Qualifications:
- 5+ years of experience in Data Science, Automation, Digital Transformation, Analytics or Strategic Planning or equivalent demonstrated through experience, training, or education
Desired Qualifications:
- Experience in consumer lending / unsecured credit, including underwriting, credit services, or credit decisioning environments
- Strong experience in automation, workflow transformation, and scalable solution development, including hands-on build using PowerApps, Power Automate, and other automation tools
- Exposure to or experience with AI/GenAI solution development, with demonstrated ability to drive adoption and deliver measurable business impact
- Strong understanding of risk management, compliance, and the credit lifecycle, with ability to align solutions to regulatory and governance requirements
- Strong problem-solving and structured thinking, with the ability to translate ambiguous business problems into actionable, scalable solutions
- Experience developing reusable frameworks, accelerators, and enterprise-scale solutions
- Strong program and project management discipline, with ability to streamline processes, simplify controls, and deliver complex initiatives end-to-end
Posting End Date:
25 Jun 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
- 5+ years of experience in Data Science, Automation, Digital Transformation, Analytics or Strategic Planning or equivalent
- Experience in consumer lending or unsecured credit, including underwriting, credit services, or credit decisioning
- Hands-on build experience using PowerApps and Power Automate
- Experience in automation, workflow transformation, and scalable solution development
- Exposure to or experience with AI/GenAI solution development
- Understanding of risk management, compliance, and the credit lifecycle
- Experience developing reusable frameworks, accelerators, and enterprise-scale solutions
- Strong program and project management discipline
- Strong problem-solving and structured thinking
Wells Fargo Compensation & Benefits Highlights
How does Wells Fargo ensure its pay and bonus plans are competitive?
Wells Fargo ensures its pay and bonus plans remain competitive through a structured, performance-driven compensation philosophy combined with regular market benchmarking. The company’s approach is centered on “pay for performance,” meaning compensation is directly linked to individual contributions, business results, and overall company performance. This includes evaluating how employees meet regulatory expectations, manage risk responsibly, and contribute to long-term value creation.
To maintain market competitiveness, Wells Fargo conducts global compensation reviews using third-party consultants. These reviews assess both base salary and total compensation across the organization, factoring in role, level, tenure, and geographic differences. The company also evaluates pay equity and has reported no significant unexplained pay gaps following its most recent review. This process ensures that compensation remains aligned with industry standards while reinforcing fairness and transparency.
Bonuses and incentives are designed to reward strong performance and support retention of top talent. Compensation programs are structured not only to motivate employees but also to promote prudent risk management and discourage excessive risk-taking—an important consideration in financial services. In addition to performance-based pay, employees benefit from a comprehensive rewards package that includes a 401(k) match (up to 6%), stock purchase opportunities, and other financial wellness resources.
Together, these practices create a compensation framework that balances competitiveness, fairness, and long-term sustainability—helping Wells Fargo attract, retain, and reward talent across its global workforce.
Employee Perspective
“Wells Fargo has given me the opportunity to pursue my master’s degree. With the tuition reimbursement and the support of my managers, I’ve been able to gain some really valuable skills.”
— Destinee Richey, Business Intelligence Consultant
At-a-Glance
- Compensation philosophy: Pay for performance tied to individual, business, and company outcomes
- Market alignment: Global benchmarking with third-party consultants; no significant unexplained pay gaps
- Bonus structure: Performance-based incentives aligned with results and risk management
- Total rewards: 401(k) match up to 6%, stock purchase plan, financial wellness resources
External Signals
- Comprehensive Benefits: Employees give the company high marks for its benefits package, giving it an ‘A-’ rating and a 73% satisfaction score on external review sites (Comparably).
- LinkedIn Top Companies 2025: #3 overall, #1 in financial services
- Disability Equality Index: 100% score (multiple years)
- CAREERS & the disABLED Top Employers 2024: #3 ranking
- Military Friendly Employer (2025): Top 10 Gold Seal
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.
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. We ranked in the top 3 on the 2025 LinkedIn Top Companies list – and #1 among financial services companies – as the best workplace “to grow your career” in the U.S.
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