Senior Credit Risk Specialist, Credit Card Originations
Overview
As a Senior Credit Risk Specialist at Wells Fargo, you will own the analytics and monitoring of credit strategies for business credit card originations, influencing decisions across underwriting, credit line assignment, pricing, and portfolio performance. You will join the Credit Enablement Strategy team, partnering with Risk, Marketing, Product, Finance, Technology, and Operations to translate large datasets into executive-ready insights. Your work directly shapes growth and risk balance in a high-visibility role. This position stands out because it combines deep analytical rigor with strategic storytelling, enabling you to drive measurable impact from day one. You will also support forecasting, scenario analysis, and test-and-learn activities that refine acquisition strategies.
What You'll Do9
- 1Support originations credit strategy workstreams, including underwriting, initial credit line assignment, pricing, and channel performance.
- 2Analyze application volume, approval rates, booked account trends, credit quality, and early performance outcomes to identify trends and variances.
- 3Convert data and analytical findings into insights, recommendations, and executive-ready materials for senior leadership.
- 4Use SQL, Python, R, Tableau, or Power BI to summarize performance, diagnose outcomes, and support strategy recommendations.
- 5Support forecasting, valuation, and scenario analysis for acquisition volume, booked accounts, credit exposure, and channel plans.
- 6Partner with Product, Marketing, Finance, Modeling, Operations, Technology, Compliance, and Fair Lending to align insights with business decisions.
- 7Develop dashboards and recurring performance views using Tableau or Power BI to improve visibility into strategy performance.
- 8Support test-and-learn activities, measurement plans, and monitoring routines for credit strategy changes.
- 9Maintain documentation of assumptions, methodology, and results to meet governance and risk expectations.
Requirements10
- 14+ years of Credit Risk experience or equivalent, demonstrated through work, training, military, or education.
- 2Experience supporting credit risk strategy, originations strategy, underwriting, credit line assignment, pricing, or portfolio performance analytics.
- 3Experience with credit card, small business lending, commercial card, consumer credit, or revolving credit products.
- 4Strong analytical skills with experience monitoring trends, diagnosing performance drivers, and converting findings into actionable recommendations.
- 5Experience working with large datasets, segmentation, strategy measurement, scenario analysis, or test-and-learn analytics.
- 6Experience using analytical tools such as SQL, SAS, Python, R, Tableau, or Power BI for data extraction, analysis, reporting, or visualization.
- 7Ability to synthesize complex data into clear insights and leadership-level recommendations.
- 8Experience partnering with cross-functional stakeholders across Risk, Product, Marketing, Finance, Modeling, Operations, Technology, Compliance, or control functions.
- 9Knowledge of credit policy, fair lending considerations, profitability measurement, or strategy governance documentation.
- 10Strong written, verbal, and visual storytelling skills for senior leaders.
Salary Insight
$100 - $179k per year
Similar open positions
Explore active roles that match your skills and interests.
Wells Fargo
VerifiedSenior Data Engineer Wells Fargo CCIBT
Wells Fargo seeks a Senior Data Engineer within the Commercial & Corporate & Investment Banking Technology organization. The role focuses on the Enterprise Counterparty Risk Technology team developing solutions for counterparty credit risk management. Candidates must understand capital markets and investment banking processes. This position drives scalable risk-focused technology solutions.
braviantholdings
VerifiedSenior Credit Risk Analyst, Consumer Lending
You will own the full credit risk lifecycle at Braviant Holdings, from originations strategy to portfolio monitoring and loss forecasting. You will analyze key metrics like FPD, GNS, and delinquency roll rates across our direct mail and digital channels. Working directly with the Head of Credit, you will design and refine risk strategies using SQL and Python in a lean 40-person team. This role offers direct visibility into executive decisions and the chance to shape lending for millions of underbanked consumers.
Wells Fargo
VerifiedCredit Risk Director - Consumer Loss Forecasting
Wells Fargo seeks a leader to head the Consumer Loss Forecasting function within Corporate Risk. The role owns development execution governance delivery of loss forecasts for CCAR CECL/ACL Loss Forecasting stress testing and other risk management activities. The team delivers analytics that shape strategic decisions reserve levels and scenario analytics. Join us to transform forecasting processes and drive enterprise risk insights.
Wells Fargo
VerifiedSenior Commercial Banking Portfolio Manager Wells Fargo
Lead portfolio management for clients with annual revenue between $100MM and $2B. Conduct credit research and drive medium risk deliverables. Own complex credit underwriting and collaborate with peers to resolve issues. Drive team performance and mentorship. Scale operations across multiple locations. Differentiate by delivering proactive risk mitigation and client solutions.
Happen Bank, N.A.
VerifiedCredit Strategy & Pricing Manager
Lead credit risk strategies and develop pricing models to drive loan growth and yield improvement. Own risk mitigation actions and pricing optimization while collaborating with technology teams to implement AI tools. Work in San Francisco with hybrid schedule requiring in-office attendance.
Ramp
VerifiedCredit Risk Associate, Risk Strategy & Operations
You own credit risk strategy at Ramp, shaping how $200B in annualized spend flows across 70,000+ companies. Working within the Risk Strategy & Operations team, you will prototype policies for credit limits, payment speed, and collections, balancing loss with growth. You will use SQL, Python, and AI tools to analyze data, build decision workflows, and push changes with Product, Engineering, and Data Science. This role stands out for its high agency: you build the first version, not just the recommendation. AI fluency is required, and you will manage AI agents in daily risk operations.