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Credit Portfolio Consultant 3

Company: Wells Fargo
Location: West Des Moines
Posted on: November 11, 2019

Job Description:

Job Description
Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application. At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk. The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company. Wells Fargo?s Consumer Lending Group (CLG) is an industry leader in supporting homeowners and consumers. We put customers at the center of all that we do. We make every decision ?and design every product and service ? with our customers in mind. Our Consumer Credit Solutions (CCS) Unsecured Credit Risk team manages the credit quality of the unsecured CCS portfolios, partnering with Consumer Financial Services, Education Financial Services and Retail Services from origination through account management and authorizations to collections. Consumer Credit Solutions portfolio and Collection risk management team is seeking a talented and seasoned individual with strong SAS/SQL background, extensive experience in combining/analyzing data from multiple large data sources, and strategy development experience to create informative management reporting and provide analytical support for our consumer credit card/line of credit/loan account management programs. Proficient in SAS and Excel is critical and familiarity with credit or debit card authorizations is a plus. Responsibilities will include, but are not limited to the following:

  • Support Consumer Credit Solutions Portfolio and Collection Risk Management initiatives with an emphasis on authorization and reissue MIS reporting and analytics to assess underlying risk dynamics, trends and opportunities
  • Analyze/Evaluate key risk indicators and metrics, enhance risk reporting and identify new areas of analytic focus to help improve authorization approval rates and process improvements, while minimizing adverse impact to the customer purchasing experience
  • Review/analyze point-of-sale trends, research new methodologies/data sources and recommend strategy changes or process enhancements
  • Lead/support ad-hoc analytic projects
  • Maintain productive relationships with cross functional teams and internal stakeholders, including Product, Marketing, Finance, Operations, and Execution/Implementation, on analytical projects and process enhancements
  • Maintain ongoing processes and data updates to ensure data integrity, accuracy and timeliness in all report/analytic work

    Required Qualifications
    • 6+ years of risk experience
    • 5+ years of SQL or SAS experience

      Desired Qualifications
      • Advanced Microsoft Office (Word, Excel, Outlook and PowerPoint) skills
      • Excellent verbal, written, and interpersonal communication skills
      • Strong analytical skills with high attention to detail and accuracy
      • Ability to articulate complex concepts in a clear manner
      • Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
      • A Master's degree or higher in a quantitative discipline
      • 5 + years of experience with computer programs including, but not limited to, Microsoft Excel, VBA (Visual Basic for Applications), Cognos or Tableau
      • Knowledge and understanding of databases and data mining techniques

        Other Desired Qualifications
        • Experience in statistical modeling/segmentation analysis
        • Experience in credit card portfolio risk management strategy development
        • Expertise in credit card authorizations, including over-limit, and delinquent strategies, processes, and reporting with solid knowledge of other portfolio management programs such as credit line management, balance transfer programs, high risk management
        • Advanced Excel across various platforms
        • Proficient with data extraction/mining tools, large data set management and data stratification
        • Excellent business sense beyond just understanding data
        • Strong problem solving skills and proven track record of performing complex business/risk analysis
        • Self-starter - ability to prioritize work, meet deadlines, and achieve success
        • Outstanding communication and project management skills
        • Ability to collaborate effectively with other team members to accomplish business goals



          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

Keywords: Wells Fargo, West Des Moines , Credit Portfolio Consultant 3, Professions , West Des Moines, Iowa

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