Senior Credit Risk Manager – Transaction Risk Management

Wells Fargo

. Design and implement transaction risk strategies, policies, and controls that translate risk appetite into actionable decisioning and measurable business outcomes.

Posted 4/22/2026full-timeSan Francisco • Arizona, California, Iowa, North Carolina, Texas • 🇺🇸 United StatesSenior💰 $185,000 - $300,000 per yearWebsite

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Design and implement transaction risk strategies, policies, and controls that translate risk appetite into actionable decisioning and measurable business outcomes.
Partner with business and product teams to embed risk strategies directly into platforms, workflows, and customer journeys.
Actively shape strategy tradeoffs across loss, customer experience, operational efficiency, and regulatory expectations.
Lead hands‑on resolution of complex, cross‑functional risk problems by diagnosing root causes and designing scalable, durable solutions.
Own initiatives from strategy formulation through build, rollout, validation, and post‑implementation performance tuning.
Drive coordinated execution across analytics, technology, operations, and governance partners.
Continuously analyze portfolio performance, customer behavior, fraud patterns, and policy outcomes to refine strategies in production.
Calibrate rules, models, thresholds, and segmentation to reduce losses, minimize false positives/negatives, and close control gaps.
Build and operationalize risk strategies supporting trillion‑dollar transaction volumes, with emphasis on automation, scalability, and real‑time decisioning.
Evaluate, test, and integrate new internal and external data sources into risk strategies and decision frameworks.
Conduct targeted deep‑dive analyses to support strategic decisions, issue resolution, and investment prioritization.
Manage, mentor, and develop analytical and risk professionals. Set priorities, allocate resources, and foster a strong risk culture focused on accountability, curiosity, and continuous improvement.
Collaborate with internal partners including Audit, Legal, Compliance, Technology, and external agencies as required. Support a strong control environment aligned with regulatory expectations and internal governance standards.

Requirements

What you’ll need

7+ years of Credit Risk experience , or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education.
3+ years of management or leadership experience , including people leadership, initiative leadership, or senior‑level influence across teams.
Demonstrated experience leading complex risk initiatives with enterprise‑level impact.
Deep experience in advanced analytics , statistical and predictive modeling, and large‑scale data analysis in credit, fraud, or transaction risk domains.
Strong proficiency with SAS, SQL, Python , and data visualization or reporting tools such as Tableau .
Experience with model governance , analytical decisioning, and real‑time or operational risk use cases.
Ability to translate complex analysis into clear, actionable insights that influence senior and executive decision‑making.
Advanced degree in a quantitative discipline (e.g., economics, statistics, engineering, data science, finance).

Benefits

Comp & perks

Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit Riskadvanced analyticsstatistical modelingpredictive modelinglarge-scale data analysisreal-time decisioningmodel governancedata visualizationreportingtransaction risk

Soft Skills

people leadershipinitiative leadershipstrategic decision-makingmentoringresource allocationcollaborationaccountabilitycuriositycontinuous improvementinfluence

Certifications

advanced degree in quantitative discipline