Unsecured Lending Strategy and Growth Analytics

About the role

Wells Fargo is seeking a Senior Lead Risk Analytics Consultant which is the functional title of the Unsecured Lending Strategy and Growth Analytics role and they will sit in the Consumer Banking and Lending division in the Cards and Personal Lending line of business.

This role serves as a trusted advisor to senior leadership, leveraging large-scale consumer lending data to identify growth opportunities, assess risk, and shape long-term portfolio strategies. The role involves driving expansion through data-driven insights and innovative risk strategies, focusing on Personal Loans.

Responsibilities

• Analyze industry, competitor, and consumer lending trends to identify growth opportunities within unsecured lending.
• Leverage extensive credit bureau and marketplace data, including the Experian Sandbox environment, to evaluate portfolio performance and emerging opportunities.
• Extract, transform, and analyze large, complex datasets using SAS, SQL, and Python.
• Build compelling executive narratives that simplify complex findings into actionable recommendations.
• Evaluate lending performance through various economic environments and develop recommendations to strengthen portfolio resilience.
• Assess competitive positioning, pricing strategies, customer selection trends, and portfolio performance.
• Separate meaningful signals from data noise and confidently communicate key risks, insights, and opportunities.
• Partner across Risk, Product, Finance, Marketing, and Lending organizations to drive strategic decisions.
• Lead complex analytical initiatives with limited direction and structure ambiguous business questions into actionable analyses.

Requirements

• 7+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
• Experience working in the Experian Sandbox environment.
• Experience using credit bureau data, including Experian, Equifax, or TransUnion.
• Experience with origination strategies, customer acquisition analytics, underwriting strategy, or portfolio risk management.
• Knowledge of consumer lending P&L drivers, pricing strategy, and portfolio economics.
• Advanced SAS, SQL, and Python skills with experience working with large datasets.
• Experience developing and supporting consumer lending risk strategies, credit policies, or portfolio management initiatives.
• Strong analytical, quantitative, and statistical problem-solving skills.
• Experience communicating complex analytical findings to senior business leaders.
• Ability to work independently, navigate ambiguity, and influence decision-making across multiple stakeholders.
• Graduate degree in Statistics, Economics, Mathematics, Data Science, Finance, or related quantitative discipline.

Desired Qualifications

• Experience working in the Experian Sandbox environment.
• Experience using credit bureau data, including Experian, Equifax, or TransUnion.
• Experience with origination strategies, customer acquisition analytics, underwriting strategy, or portfolio risk management.
• Knowledge of consumer lending P&L drivers, pricing strategy, and portfolio economics.
• Advanced SAS, SQL, and Python skills with experience working with large datasets.
• Experience developing and supporting consumer lending risk strategies, credit policies, or portfolio management initiatives.
• Strong analytical, quantitative, and statistical problem-solving skills.
• Experience communicating complex analytical findings to senior business leaders.
• Ability to work independently, navigate ambiguity, and influence decision-making across multiple stakeholders.
• Graduate degree in Statistics, Economics, Mathematics, Data Science, Finance, or related quantitative discipline.