Senior Credit Risk Specialist, Business Credit Card Originations

Wells Fargo

Senior Credit Risk Specialist optimizing business credit card originations strategies at Wells Fargo. Analyzing portfolio performance, forecasting outcomes, and advising leaders on responsible growth.

Posted 8/8/2026full-timeWilmington • North Carolina, Ohio • 🇺🇸 United StatesSenior💰 $100,000 - $179,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in Credit Risk Strategy, including underwriting, pricing, and portfolio performance analytics, while effectively synthesizing complex data into actionable insights and executive-ready materials. Proficient in utilizing analytical tools to support forecasting, performance monitoring, and cross-functional collaboration.

Highest-signal resume keywords

Credit Risk ExperienceSQL ProficiencyAnalytical SkillsPerformance ReportingCross-Functional Collaboration

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit Risk StrategyUnderwritingPricingPortfolio Performance AnalyticsData AnalysisScenario AnalysisTest-and-Learn AnalyticsData Quality ChecksPerformance MonitoringSegmentation

Soft Skills

Strong Written CommunicationVerbal CommunicationVisual Storytelling

Tools & Technologies

SQLSASPythonRTableauPower BI

Industry Keywords

Credit Card ProductsSmall Business LendingCommercial CardConsumer CreditUnsecured LendingRevolving CreditCredit PolicyFair LendingProfitability MeasurementPortfolio Risk Indicators

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Support originations credit strategy workstreams, including underwriting, initial credit line assignment, pricing, channel performance, and portfolio monitoring
Analyze application volume, approval rates, booked account trends, credit quality, credit line assignment, pricing, and early performance outcomes
Monitor strategy performance and identify trends, variances, risks, and opportunities
Convert data and analytical findings into insights, recommendations, and executive-ready materials
Use data extraction and analytical tools to summarize performance, diagnose outcomes, and support strategy recommendations
Support forecasting, valuation, and scenario analysis related to acquisition volume, booked accounts, credit exposure, channel plans, and strategy changes
Partner with Product, Marketing, Finance, Modeling, Operations, Technology, Compliance, Fair Lending, and control partners
Develop reporting, dashboards, recurring performance views, and standardized analytics
Support test-and-learn activities, measurement plans, and monitoring routines for credit strategy changes
Maintain documentation of assumptions, methodology, monitoring results, recommendations, and decision rationale
Travel up to 10% of the time

Requirements

What you’ll need

4+ years of Credit Risk experience, or equivalent demonstrated through work experience, training, military experience, or education
Experience supporting credit risk strategy, originations strategy, underwriting, credit line assignment, pricing, or portfolio performance analytics
Experience with credit card, small business lending, commercial card, consumer credit, unsecured lending, or revolving credit products
Strong analytical skills, including monitoring trends, diagnosing performance drivers, and converting findings into recommendations
Experience with large datasets, performance reporting, segmentation, strategy measurement, scenario analysis, or test-and-learn analytics
Experience using SQL, SAS, Python, R, Tableau, Power BI, or similar analytical tools
Ability to synthesize complex data into clear insights, executive-ready materials, and leadership-level recommendations
Experience partnering with cross-functional stakeholders across Risk, Product, Marketing, Finance, Modeling, Operations, Technology, Compliance, or control functions
Knowledge of credit policy, fair lending considerations, profitability measurement, portfolio risk indicators, or strategy governance documentation
Experience building or enhancing reporting, dashboards, reusable datasets, data quality checks, or standardized analytical routines
Strong written, verbal, and visual storytelling skills
Ability to travel up to 10% of the time
This position is not eligible for Visa sponsorship
Relocation assistance is not available

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
Incentive opportunities may be available