Lead Risk Analytics Consultant

Overview

Lead Risk Analytics Consultant for Wells Fargo Retail products, focused on credit risk analytics, strategy and loss forecasting for the Consumer Lending Credit Risk team.

What you'll do

• Lead complex initiatives related to business analysis and modeling, including cross-functional initiatives with broad impact, and act as key participant in data aggregation, monitoring, and reporting of stress testing and portfolio analysis for Risk Analytics.
• Review and perform complex analysis to extract data to provide statistical and financial modeling specific to supported businesses.
• Manage the roll out of pilot programs developed as a result of programmed models for supported businesses and product lines.
• Make decisions in complex product strategies, data modeling, and risk exposure, with a solid understanding of business unit projects, policies, procedures, and compliance requirements.
• Lead analytic and reporting work to meet deliverables and drive new initiatives.
• Collaborate and consult with peers and managers at all experience levels to resolve production, project, and regulatory issues and achieve common modeling goals.
• Lead and deliver significant initiatives and processes, partnering with line of business management to drive the company credit culture, appetite, and business performance.
• Act as a subject matter expert for senior leaders.
• Assess and predict risk and performance through business analysis and/or modeling.
• Establish effective policies, processes, and tools to identify and manage risks.
• Use predictive sciences to develop future-ready solutions.
• Develop a loss forecasting framework and execute it to generate key credit loss metrics for the medium term.
• Lead discussions with business and risk stakeholders to explain forecasted numbers and fine-tune projections based on high-level feedback.
• Mentor junior members to ensure delivery of components of the forecasting framework.
• Develop comprehensive monitoring frameworks and dashboards and provide statistically sound diagnostic evaluation of emerging or unexpected risk areas.
• Report on asset quality, portfolio trends, and credit policy exceptions across credit, vintage, product, offer, channel, and industry segments using visualization tools such as Excel VBA, Tableau and/or SAS Visual Analytics.
• Build risk rating methodologies using advanced analytics approaches, including statistical modeling and machine learning techniques such as Random Forest, Decision Trees, Segmentation, and/or Time-series modeling.
• Develop complex programming models to extract data and/or manipulate databases such as Oracle and Teradata.

What you'll need

• 5+ years of Risk Analytics experience, or equivalent demonstrated through work experience, training, education, or a combination of these.
• Good understanding of credit, practice in the test and learn discipline, and exploratory analysis.
• Fluency in the key technical tools of credit risk decisioning and sound credit judgment.
• Hands-on experience in at least one area of credit risk analytics: credit strategy, modeling techniques, forecasting techniques, or data architecture and management.
• Detailed understanding of the risk domain; strong risk analytics skills and understanding of P&L and drivers.
• Expertise in a few programming and statistical packages: SAS, SQL, VBA, Macros, R, Python, E-Miner, Tableau, SAS VA.
• Knowledge of advanced statistical tools such as segmentation tools, decision trees, clustering, regression, and other statistical modeling and/or machine learning techniques.
• Ability to identify and evaluate trends, isolate root cause, and provide swift and thorough resolution.
• Knowledge and understanding of consumer and small business loans and credit card lending practices, policies, procedures, and key drivers impacting credit offerings.
• Ability to contribute to strategic decisions and coordinate with multiple stakeholders; develop consensus and gain buy-in for strategic priorities.
• Strong ability to develop partnerships and collaborate with other business and functional areas.

Nice to have

• Control and governance and risk experience.

Details

• Location: Hyderabad, India.
• In-office expectation: 4 days a week.
• Shift timings: 1:30 PM to 10:30 PM.
• Posting end date: 29 Oct 2026.