**About this role:**

Wells Fargo is seeking a Credit Risk Manager to drive health and wellness of the Card Portfolio through development and deployment of the Balance Build and Customer Engagement Strategy.

The Credit Risk Manager will lead a team of dedicated team members that develop and maintain the Balance Build and Customer Engagement strategies (such as Balance Transfer, Product Conversions, etc), while diligently monitoring strategy performance. They will respond to requests for information (RFI) from key stakeholders (Card CRO Business Reviews and ad hoc executive inquiries).

The Credit Risk Manager will report directly to Head of Consumer Card Engagement Risk Strategy and High-Risk Account Management.

**In this role, you will:**

+ Manage and develop teams of individual contributors within the Balance Build and Customer Engagement Strategy Team in roles with moderate complexity and risk

+ Engage and influence stakeholders, internal partners and peers associated with initiatives that cross multiple lines of business in scope with significant impact and risk

+ Identify and recommend opportunities for process improvement and risk control development to drive the company credit culture, desire, and business performance

+ Determine appropriate strategy and actions of Credit Risk team to meet moderate to high-risk deliverables

+ Interpret and develop policies and procedures for level of risk taken in credit activities with moderate complexity within scope of responsibility

+ Build relationships with corporate, business heads, Legal, Audit, regulators, and industry partners on risk related topics

+ Lead team to achieve objectives

+ Interact with internal and external customers

+ Manage allocation of people and financial resources for Credit Oversight

+ Develop and guide a culture of talent development to meet business objectives and strategy

**Required Qualifications:**

+ 4+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

+ 2+ years of leadership experience

**Desired Qualifications:**

+ 4+ year of statistical analysis

+ 6+ years of experience with computer programs including, but not limited to, Microsoft Excel, VBA (Visual Basic for Applications), Cognos or Tableau, SharePoint, google doc

+ Proven leadership managing diverse team of Credit Risk professionals

+ Strong strategy, data/analytics and reporting experiences, SAS/SQL and/or Python/R background, and extensive experience in combining/analyzing data from multiple large data sources to develop and implement credit control strategies. Familiarity with credit card industry is a plus.

+ Excellent verbal, written, and interpersonal communication skills; Ability to articulate complex concepts in a clear manner

+ Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment

+ Knowledge and understanding of databases and data mining techniques

+ Proactive with results driven attitude, and strong problem-solving skills

+ Well organized, attention to detail

+ Proven track record with hands on experience in business analytics and strategy recommendation

**Posting Locations:**

+ 401 S. Tryon Street - Charlotte, North Carolina

+ 1445 Ross Ave - Dallas, Texas

+ 600 Wells Fargo - Minneapolis, Minnesota

+ 800 S. Jordan Creek Pkwy - West Des Moines, Iowa

+ 1150 W. Washington - Tempe, Arizona

+ 2200 Concord Pike - Wilmington, Delaware

+ 114 N. Beaumont Street - Saint Louis, Missouri

**Job Expectations:**

+ Ability to work at one of the approved locations in the job posting

+ This position currently offers a hybrid work schedule

**Pay Range**

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$120,400.00 - $262,600.00

**Benefits**

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) for an overview of the following benefit plans and programs offered to employees.

+ Health benefits

+ 401(k) Plan

+ Paid time off

+ Disability benefits

+ Life insurance, critical illness insurance, and accident insurance

+ Parental leave

+ Critical caregiving leave

+ Discounts and savings

+ Commuter benefits

+ Tuition reimbursement

+ Scholarships for dependent children

+ Adoption reimbursement

**Posting End Date:**

18 Nov 2024

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

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

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 US: 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.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-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.

**Req Number:** R-415459