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Credit Portfolio Consultant 1

Wells Fargo | Bengaluru Karnataka IND | Full Time | Posted: 10/15/2019

Job Descriptiontop

Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides asset management, capital raising and advisory, financing, foreign exchange, payments, risk management, and trade finance services to support customers who conduct business in the global economy. At Wells Fargo, we want to satisfy our customers’ financial needs and help them succeed financially. We also value the viewpoints of our team members and encourage them to be their best. Join our diverse and inclusive team where you will feel valued and inspired to contribute your unique skills and experience. We are looking for talented people who will put our customers at the center of everything we do. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Learn more at our International Careers website.

Market Job Description

oQ.ClassName != 'jobdescriptionInJobDetails'" ng-class="oQ.ClassName" j-query="html(oQ.AnswerValue)" class="answer ng-scope section2LeftfieldsInJobDetails jobDetailTextArea">About Enterprise Global Services:

Enterprise Global Services (EGS) enables global talent capabilities for Wells Fargo Bank NA., by supporting over half of Wells Fargo's business lines and staff functions across Technology, Business Services, Risk Services and Knowledge Services. EGS operates in Hyderabad, Bengaluru and Chennai in India and in Manila, Philippines. Learn more about EGS at our International Careers website.

Department Overview:

Independent Risk Management(IRM) is a key component of WFEGS. Consumer Credit Risk Management within IRM brings a Team Member-based approach to the international talent pool focusing on analytical requirements.  It encompasses roles that deliver insights and analysis based on skills, experience and judgment. Team Members exercise this judgment under general direction versus rule-driven processing. Processes and services performed in this area tend to be based on skills, domain knowledge and intellectual capability.

About The Role:
It starts with you. We must attract, develop, retain and motivate the most talented people - those who care and who work together as partners across business units and functions.  We value and promote diversity and inclusion in every aspect of our business and at every level of our organization.

Responsibilities :

We are looking for an experienced Risk consultant for the Cards Acquisitions Strategy Team. Responsibilities for this position will include, but not be limited to, the following:

  • Developing and implementing origination credit and fraud policies, procedures, and strategies for credit card portfolios.
  • Monitoring and reporting (adhoc and automated) credit application quality, trends and strategy performance
  • Preparing monthly portfolio/program review presentations that highlight key performance metrics, explain variances, and showcase analytic findings
  • Working closely with product managers, marketing managers and fraud managers to conduct portfolio, marketing campaign and fraud analysis
  • Conducting business development related due diligence  analysis
  • Developing and presenting credit risk analysis and trends
Essential Qualifications
  • 2+ years consumer credit risk experience in Credit card and/or unsecured lending experience in risk reporting or risk analytics functions 
  • Understanding of analytic/scored decisioning environment
  • Credit card and fraud experience
  • Demonstrated experience in leading complex analyses and/or strategy development, preferably within acquisitions areas (i.e., underwriting stratey development including credit limit assignment strategies, applicant risk segmentation, pricing strategies, etc.)
  • Experience in designing test strategy frameworks, ideally in an acquisition environment
  • Ability to build and document decision trees and process flows based on historical data
  • Strong analytical skills with high attention to detail and accuracy
  • Direct experience building and automating production, and/or performance reports
  • Good verbal communication, written documentation and presentation skills 
  • Bachelor's degree in a quantitative field

Market Skills and Certifications

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Desired Qualifications

  • A credit risk management analyst with at least 2 years of increasing responsibility within consumer lending
  • Understanding of analytic/scored decisioning environment
  • Credit card and fraud experience
  • Demonstrated excellence at developing sound credit processes and enhancing existing processes
  • Proficiency with SAS macros and experience in leveraging macros to make processes more efficient

We Value Diversity

oQ.ClassName != 'jobdescriptionInJobDetails'" ng-class="oQ.ClassName" j-query="html(oQ.AnswerValue)" class="answer ng-scope section2LeftfieldsInJobDetails jobDetailTextArea">At Wells Fargo, we believe in diversity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national or ethnic origin, age, disability, religion, sexual orientation, gender identity or any other status protected by applicable law. We comply with all applicable laws in every jurisdiction in which we operate.


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Job Detailstop

Location Bengaluru, Karnataka, India
Categories Quality Assurance/Safety

Location Maptop

Contact Informationtop

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How to apply Employer provided a link where your application will be accepted. Click on the link below and follow instructions.
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Job Code 38523BR

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