Senior Lead Business Credit Specialist - Auto Originations

About the role

Wells Fargo is seeking a Senior Lead Business Credit Specialist to provide strategic leadership for Auto Originations Credit Strategy. In this role, you will be responsible for developing, implementing, monitoring, and governing credit strategies that support profitable growth while maintaining a strong risk and control environment. Responsibilities include credit strategy, automated decisioning, credit expansion initiatives, portfolio performance monitoring, and strategy governance. This individual will establish strategic priorities, lead complex analytical work, develop recommendations, and ensure that credit strategies are effectively designed, approved, implemented, and monitored. The role requires deep credit risk expertise, advanced analytical judgment, and the ability to translate complex findings into clear strategic direction. This individual will work closely with senior leaders and partners across Risk, Product, Operations, Fraud, Compliance, Legal, and other business functions to deliver sustainable business outcomes.

Responsibilities

• Provide senior-level expertise for credit strategy, underwriting strategy, automated decisioning, credit expansion initiatives, portfolio analytics, performance monitoring, and governance across the indirect auto lending portfolio
• Establish strategic priorities and independently lead high-impact business, credit risk, and control initiatives
• Develop, test, implement, and monitor credit, underwriting, and automated decisioning strategies
• Lead complex analyses of portfolio performance, application trends, approval outcomes, customer behavior, operational impacts, and emerging risks
• Produce and critically review analytical evaluations, business recommendations, monitoring frameworks, and executive-level materials
• Build and maintain relationships with senior leaders and partners across Product, Operations, Fraud, Compliance, Legal, Risk, and other business functions
• Develop and maintain effective policies, procedures, business requirements, monitoring frameworks, and governance documentation
• Communicate portfolio insights, emerging risks, strategic recommendations, and business outcomes to senior leaders and governance forums
• Promote sound risk management, accountability, collaboration, innovation, and continuous improvement

Requirements

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

Qualifications

• Extensive experience in credit risk, lending strategy, underwriting, consumer finance analytics, or related disciplines
• Demonstrated experience leading complex initiatives, influencing cross-functional partners, and providing subject-matter expertise
• Advanced knowledge of credit risk management, portfolio performance, strategy development, implementation, monitoring, and governance
• Demonstrated ability to lead complex, cross-functional initiatives from strategy development through implementation and performance monitoring
• Experience evaluating complex analytical findings and translating them into clear strategic recommendations and business decisions
• Proven ability to influence senior leaders and build effective partnerships across Product, Technology, Operations, Fraud, Compliance, Legal, and Risk
• Knowledge of SAS, SQL, Python, or similar analytical tools, with the ability to effectively challenge analytical methodologies, assumptions, and conclusions
• Strong consulting, mentoring, and stakeholder-management capabilities, including the ability to provide technical guidance and influence outcomes
• Demonstrated sound judgment, executive presence, accountability, and the ability to manage multiple complex priorities in a changing environment

Schedule

This position offers a hybrid work schedule with willingness to work on-site at one of the stated locations. Relocation assistance is not available.

Posting locations: Charlotte, NC (550 S. Tryon St.), Irving, TX (401 Las Colinas Blvd.), Chandler, AZ (2800 S. Price Rd.)

Posting end date: 23 Oct 2026 (job posting may come down early due to volume of applicants).