Lead Credit Risk Officer, Business Credit Card Originations Credit Strategy Lead

In This Role, You Will

• Lead analytical workstreams supporting originations credit strategy, including underwriting, credit line assignment, pricing, acquisition channels
• portfolio performance Evaluate credit strategy performance by analyzing application volume, approval rates, booked account trends, credit quality, customer profiles, credit line assignment, pricing
• early performance outcomes Identify drivers of performance trends, variances, risks
• translate findings into strategic recommendations for business and risk leaders Use data and analytical tools to extract, summarize
• interpret information that supports strategy monitoring, performance diagnostics
• decision-making Develop insights and recommendations that help assess whether credit strategies are supporting growth, profitability, customer acquisition
• risk management objectives Lead recurring monitoring and reporting routines that provide visibility into originations strategy performance and support timely leadership discussions Support forecasting, valuation
• scenario analysis related to acquisition volume, booked accounts, credit exposure, channel performance
• strategy changes Influence cross-functional partners by connecting analytical findings to practical business implications, tradeoffs
• recommended actions Prepare executive-ready materials, presentations
• talking points that synthesize complex analysis into clear narratives for senior leadership, business reviews, risk assessments
• governance forums Support test-and-learn activities, measurement plans
• post-implementation monitoring for credit strategy changes, policy updates
• business initiatives Partner with Product, Marketing, Finance, Modeling, Technology, Operations, Compliance, Fair Lending
• control partners to align analytical insights with business priorities, implementation needs
• governance expectations Build or enhance reusable reporting, standardized datasets, dashboards, data quality checks
• analytical routines that improve consistency, transparency
• speed to insight Maintain clear documentation of assumptions, methodology, monitoring results, recommendations
• decision rationale to support governance, auditability
• independent review Required Qualifications 5+ years of Credit Risk experience
• equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications Experience leading or supporting credit risk strategy, originations strategy, underwriting, credit line assignment, pricing, customer acquisition
• portfolio performance analytics Experience within credit card, small business lending, commercial card, consumer credit, unsecured lending
• revolving credit products Strong analytical and strategic problem-solving skills, including experience diagnosing performance drivers, evaluating tradeoffs
• developing recommendations Experience monitoring originations, acquisition, underwriting, credit quality, approval, booked account
• early performance trends Experience using analytical tools such as SQL, SAS, Python, R, Tableau, Power BI
• similar tools for data extraction, analysis, reporting
• visualization Ability to translate complex data and analysis into clear insights, executive-ready materials
• leadership-level recommendations Experience influencing business decisions through data-driven insights, performance diagnostics
• cross-functional partnership Experience partnering across Risk, Product, Marketing, Finance, Modeling, Operations, Technology, Compliance, Fair Lending
• control functions Knowledge of credit policy, fair lending considerations, customer targeting, profitability measurement, portfolio risk indicators
• strategy governance practices Experience building or enhancing reporting, dashboards, reusable datasets, data quality checks, automated routines
• standardized analytical processes Job Expectations: Ability to travel up to 10% of the time This position is not eligible for Visa sponsorship This position offers a hybrid work schedule Job posting may come down early due to volume of applicants.
• Locations: 2200 Concord Pike, Wilmington, DE 19803 550 S Tryon Charlotte, NC 28202 3075 Loyalty Cir, Columbus, OH 43219 Required locations listed above.
• Relocation assistance is not available for this position.
• Pay Range Reflected is the base pay range offered for this position.
• Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location.
• Employees may also be eligible for incentive opportunities. $139,000.00 - $239,000.00 Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below.
• Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
• Health benefits 401(k) Plan Paid time off Disability benefits Life insurance, critical illness insurance
• accident insurance Parental leave Critical caregiving leave Discounts and savings Commuter benefits Tuition reimbursement Scholarships for dependent children Adoption reimbursement Posting End Date: 10 Aug 2026 * Job posting may come down early due to volume of applicants.
• We Value Equal Opportunity Wells Fargo is an equal opportunity employer.
• All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran
• any other legally protected characteristic.
• Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company.
• They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance)
• includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues
• making sound risk decisions.
• There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.
• Applicants with Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
• Drug and Alcohol Policy Wells Fargo maintains a drug free workplace.
• Please see our Drug and Alcohol Policy to learn more.
• Wells Fargo Recruitment and Hiring Requirements: a.
• Third-Party recordings are prohibited unless authorized by Wells Fargo. b.
• Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.