Wells Fargo Consumer Credit Sr. Associate in West Des Moines, Iowa
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At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.
Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.
Wells Fargo’s Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether it’s buying a home, purchasing a car, funding a significant purchase, or making important daily credit card purchases, Consumer Lending provides important credit products and services that help our customers succeed. The group includes Home Lending; Auto; Cards, Retail and Merchant Services; Personal Lending; Consumer Lending Control; and Consumer Lending Shared Services.
The Consumer Lending team partners with other businesses across Wells Fargo to create and deliver transformational experiences that help customers gain access to credit. The vision for the Consumer Lending business is to leverage technology and data to make it simple for customers to easily access credit when and where they need it. Consumer Lending serves customers across the country through our distribution network of more than 5,300 retail banking branches and Home Lending offices, as well as online and digital channels.
This key individual will be responsible for Unsecured Credit Card line strategy development and monitoring including the following major activities:
•Develop credit line and cash line strategies for various segments, build business cases to enhance risk management, customers experience and contribute to sustainable and profitable business growth
•Conduct comprehensive analyses to assure timely monitoring of strategy efficacy and accuracy, minimizing credit/operating losses and reputation/compliance risk exposure
•Partner closely with product/marketing, system & technology, finance, compliance and other Card business areas to develop risk criteria and propose new strategies
•Collaborate with various credit, deposit and product groups and external vendors to develop effective ways to manage new account decisions, leveraging best practices and new data/tools
•Prioritize tasks based on importance and urgency and provide business case development to obtain timely approval
•Manage the rollout of pilot programs and criteria changes that present risk
•Create and share monitoring reporting and diagnostics on various credit, vintage, product, offer, channel, mix, delinquency, loss rate, usage/revenue and profitability performance information informing line strategy decisions
•Prepare and present project summary and insights to senior managers to garner support and approval
The desired individual will be self-motivated and have strong interpersonal skills in order to actively manage risk while leading and implementing ideas in a cross-functional team environment
- 5+ years of experience in risk role
Other Desired Qualifications
Excellent written and verbal communication skills
Very proficient in Excel and Power Point
Results driven attitude, problem solving skills
Well organized, attention to detail
Works effectively through change, able to multitask
5+ years prior credit underwriting, risk management, or comparable position with a credit product
Strong SAS and SQL data processing skills
Prior experience in a credit card risk management role in unsecured lending, especially acquisition underwriting and line assignment
Proven track record with hands on experience in business analytics and recommendations
Excellent presentation and communication skills with all levels of audience
- Ability to travel up to 5% of the time
IA-Des Moines: 206 8th St - DES MOINES, IA
IA-West Des Moines: 7001 Westown Pkwy - West Des Moines, IA
MN-Minneapolis: 2650 Wells Fargo Way - Minneapolis, MN
MN-Saint Louis Park: 435 Ford Rd - Saint Louis Park, MN
MN-Minneapolis: 600 S 4th St - Minneapolis, MN
NC-Charlotte: 128 South Tryon Street - Charlotte, NC
NC-Charlotte: 301 S College St - Charlotte, NC
NC-Charlotte: 401 S Tryon St - Charlotte, NC
NC-Charlotte: 1525 W Wt Harris Blvd - Charlotte, NC
NY-New York: 150 E 42nd St - New York, NY
NJ-Summit: 190 River Rd - Summit, NJ
AZ-Chandler: 2700 S Price Rd - Chandler, AZ
AZ-PHX-Northwest Phoenix: 2222 W Rose Garden Ln - Phoenix, AZ
DE-Wilmington: 2200 Concord Pike - Wilmington, DE
All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.
Relevant military experience is considered for veterans and transitioning service men and women.
Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.
Visit https://www.wellsfargo.com/about/careers/benefits for benefits information.
Company: Wells Fargo
Req Number: 5589635-1
Updated: 2021-07-26 02:57:43.479 UTC
Location: West Des Moines,IA
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