Lead Decision Science Consultant, Credit Card

Wells Fargo

Lead Risk Analytics Consultant at Wells Fargo focusing on credit card risk underwriting and assignment strategies. Utilize advanced analytics and forecasting to inform decision-making.

Posted 8/2/2026full-timeWilmington • North Carolina, Texas • 🇺🇸 United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Risk Analytics, with a strong focus on credit card portfolio economics and advanced programming skills in Python and SAS for statistical analysis and modeling. Capable of leading complex analytical initiatives and translating findings into actionable business insights.

Highest-signal resume keywords

Risk Analytics ExperienceAdvanced Programming in PythonStatistical Analysis with SASCredit Card Portfolio EconomicsValuation Framework Development

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk AnalyticsStatistical AnalysisValuation ModelingCash Flow ValuationData AnalysisForecastingP&L AnalysisProfitability ModelingBusiness AnalysisData Manipulation

Soft Skills

Strong Communication SkillsPresentation SkillsMentoringCollaborationProblem Solving

Industry Keywords

Credit Card AcquisitionUnderwriting StrategiesPortfolio PerformanceRegulatory ComplianceFinancial Returns

Tech Stack

Tools & technologies

Python

About the role

Key responsibilities & impact

Support strategy optimization through the advanced segmentation strategies and granular financial cash flow valuations that deploy state-of-the-art programming and statistical methodologies.
Lead complex initiatives related to business analysis and valuation modeling, including those that are cross functional, with broad impact, and act as key participant in assumption and data aggregation, developing & monitoring strategy specific models, and reporting on financial returns
Review and analyze complex programing models to extract data and manipulate databases to provide statistical and financial modeling specific to businesses supported
Manage the roll out of pilot programs developed as a result of programmed models for supported businesses and product line
Make decisions in complex product strategies, data modeling, and risk exposure, requiring solid understanding of business unit projects and regulatory responses, policies, procedures, and compliance requirements that influence and lead Analytic and Reporting to meet deliverables and drive new initiatives
Collaborate and consult with peers, less experienced to more experienced managers, to resolve production, project, and regulatory issues, and achieve risk analysts, and common modeling goals
Lead projects, teams, and mentor

Requirements

What you’ll need

5+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Experience supporting credit card acquisition, underwriting, and/or line assignment strategies through analytics, modeling, and forecasting
Strong understanding of credit card portfolio economics, including revenue, expense, loss, profitability, and net present value (NPV) drivers
Experience developing, enhancing, or applying valuation frameworks, cash flow models, P&L analyses, or profitability models to evaluate business strategies and portfolio performance
Advanced programming experience using Python and SAS for statistical analysis, forecasting, modeling, and strategy evaluation
Consumer lending cash flow valuation modeling experience
Experience analyzing large datasets and translating complex analytical findings into actionable business insights and recommendations
Strong communication and presentation skills, including the ability to communicate analytical findings, business implications, and recommendations to senior leadership
Experience leading complex analytical initiatives from analysis through implementation, monitoring, and performance evaluation
Graduate degree in Mathematics, Statistics, Finance, Economics, Data Science, Computer Science, or a related quantitative discipline

Benefits

Comp & perks

Ability to travel up to 5% of the time
This position offers a hybrid work schedule