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:
- Lead or participate in moderately complex initiatives, and delivering insight and decision strategies within analytics and reporting, and contribute to large-scale planning related to Risk Analytics
- Review and analyze moderately complex data aggregation, forecasting, reporting, and programming models
- Be responsible for process production, data reconciliation, and model documentation in alignment with policy governance
- Resolve data, production, business modeling, and lead team to meet Risk Analytics deliverables while leveraging solid understanding of risk reporting policies, modeling strategies, procedures, regulatory requests, and compliance requirements
- Collaborate and consult with peers, experienced managers, compliance, and technology to resolve modeling, forecasting, and production issues, and achieve analytic and reporting goals
- Lead projects, teams, and mentor less experienced staff
- Partner with cross enterprise risk analysts in development of common modeling strategies
- 4+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications:
Education & Experience
- Bachelor's degree in engineering, Technology, Mathematics, Econometrics, Computer Science, or related fields.
- 4+ years of experience in credit risk analytics (unsecured lending).
- 2+ years of experience with decision systems (Zoot, FICO DMP, Experian PowerCurve).
- 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
Job Expectations:
- 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.
27 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
- 4+ years of Risk Analytics experience (credit risk, 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 of testing methodologies, system architecture, and data integration frameworks
- Knowledge of credit risk strategies, segmentation, scorecards, and decisioning frameworks
- Understanding of credit cards and personal loan lifecycle (acquisition, portfolio, collections)
- 2+ years of experience with decision systems (Zoot, FICO DMP, Experian PowerCurve)
- Exposure to automation tools/scripts (VBScript, Selenium, UFT, UNIX shell scripting)
- Bachelor's degree in Engineering, Technology, Mathematics, Econometrics, Computer Science or related field
- Ability to write and work with Python for data analysis and automation
- Hands-on exposure to GenAI and Agentic AI use cases
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 $2.2 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.
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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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