Lead Decision Science Consultant, Credit Card

Wells Fargo is seeking a Lead Risk Analytics Consultant to support the Decision Science function within the Credit Card organization. This role focuses on Risk Underwriting and Line Assignment strategies, leveraging deep expertise in credit card strategy and P&L modeling to build robust valuation frameworks that inform strategic decision-making.

About the role

Through advanced analytics and forecasting, this individual will evaluate underwriting and line assignment strategies, assess the financial impact of lending decisions, and provide insights into portfolio performance, profitability, and risk outcomes across the Credit Card business. This position combines quantitative rigor with qualitative judgment and requires a strong foundation in mathematics, statistics, economics, credit risk, and financial valuation.

Responsibilities

• Support strategy optimization through advanced segmentation strategies and granular financial cash flow valuations using state-of-the-art programming and statistical methodologies.
• Lead complex initiatives related to business analysis and valuation modeling, including cross-functional projects with broad impact. Participate in assumption and data aggregation, develop and monitor strategy-specific models, and report on financial returns.
• Review and analyze complex programming models to extract data and manipulate databases for statistical and financial modeling specific to supported businesses.
• Manage the rollout of pilot programs developed from programmed models for supported businesses and product lines.
• Make decisions on complex product strategies, data modeling, and risk exposure, requiring a solid understanding of business unit projects, regulatory responses, policies, procedures, and compliance requirements.
• Collaborate and consult with peers and managers to resolve production, project, and regulatory issues, achieving risk analysis and common modeling goals.
• Lead projects, teams, and mentor others.

Requirements

• 5+ years of Risk Analytics experience, or equivalent demonstrated through work experience, training, military experience, or education.

Qualifications

• Experience supporting credit card acquisition, underwriting, and/or line assignment strategies through analytics, modeling, and forecasting.
• Strong understanding of credit card portfolio economics, including revenue, expense, loss, profitability, and net present value (NPV) drivers.
• Experience developing, enhancing, or applying valuation frameworks, cash flow models, P&L analyses, or profitability models to evaluate business strategies and portfolio performance.
• Advanced programming experience using Python and SAS for statistical analysis, forecasting, modeling, and strategy evaluation.
• Consumer lending cash flow valuation modeling experience.
• Experience analyzing large datasets and translating complex analytical findings into actionable business insights and recommendations.
• Strong communication and presentation skills, including the ability to communicate analytical findings, business implications, and recommendations to senior leadership.
• Experience leading complex analytical initiatives from analysis through implementation, monitoring, and performance evaluation.
• Graduate degree in Mathematics, Statistics, Finance, Economics, Data Science, Computer Science, or a related quantitative discipline.

Job Expectations

• Ability to travel up to 5% of the time.
• This position is not eligible for Visa sponsorship.
• Hybrid work schedule.

Pay

$110,000 - $130,000 / year

Locations: 2200 Concord Pike, Wilmington, DE 19803; 401 Las Colinas Blvd, Irving, TX 75039; 550 S Tryon, Charlotte, NC 28202.