Credit Risk Developer Jobs in Ohio (NOW HIRING)

About this role:

Wells Fargo is seeking a Lead Analytics Consultant to own the end-to-end Business Card Originations prescreen credit strategy. The owner is accountable for defining, governing and optimizing prescreen credit and eligibility strategies that support responsible growth and portfolio performance. The role partners across Risk, Marketing, Analytics, Modeling, Operations, Legal/Compliance and Technology to execute prescreen campaigns, monitor outcomes, and deliver enhancements through established governance processes.

In this role, you will:

Strategy Ownership & Governance

• Own the prescreen credit strategy framework, including selection rules/waterfalls, cutoffs and segmentation for relevant prescreen populations.
• Lead strategy changes through governance and documentation processes (e.g. risk assessments, approvals, release validation), ensuring appropriate controls and monitoring are in place.
• Maintain clearly defined decision logic and change history to support auditability and operational sustainability.
• Develop business strategies that will drive growth, profitability, and competitive advantage for Wells Fargo

Performance Monitoring & Optimization

• Establish monitoring routines for campaign outcomes (e.g. approval, booked volume, early performance, losses, engagement behavior) and identify drivers of variance.
• Execute ongoing optimization (e.g. cutoff calibration, segmentation refinement, test/control) to remain within expected performance bounds and risk appetite.
• Define "exit points" and remediation actions (e.g. pausing or adjusting prescreen selection strategy) when performance deviates from expectations.

Model / Score Integration

• Partner with Risk Modeling to implement and maintain modularized score cutoffs and align prescreen decisioning with broader underwriting framework.
• Ensure appropriate performance tracking and governance for score usage, including drift monitoring and cutoff rationale.
• Develop, test, analyze and implement strategies to achieve the financial objective relevant to macro-economicconditions

Cross-Functional Execution

• Coordinate with Marketing and channel partners on campaign cadence, offer strategy inputs and operational readiness.
• Partner with Technology/Operations on implementation requirements, production validation and issue resolution using established release practices.
• Manage third-party/channel considerations as applicable and ensure alignment to standard third-party risk processes.
• Ensure alignment between strategy, regulatory and internal policy requirements.
• Work closely with cross functional team (Tech, Product, Risk, Operations) to drive impact on a given product, problem, orinitiative

Risk & Control Responsibilities

• Ensure strategies adhere to applicable legal/regulatory requirements and internal policies (e.g. prescreen and solicitation requirements, model governance, fair lending considerations, and documentation standards).
• Support ongoing reviews by providing transparent artifacts (strategy documentation, monitoring results, and change rationale) suitable for independent challenge.

Required Qualifications:

• 5+ years of Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• Experience in credit risk strategy, underwriting analytics, acquisition strategy or prescreen/solicitation decisioning

• Strong quantitative and analytical skills; experience working with large datasets and performance monitoring

Desired Qualifications:

• Direct credit card experience with prescreen programs and strategy design (e.g. selection criteria, cutoff setting, campaign governance).
• Proven stakeholder management across Risk, Marketing, Modeling, Operations and Technology in a governed environment
• Demonstrated ability to translate analytical insights into actionable strategy changes with measurable performance outcomes.
• Familiarity with modernization initiatives such as retiring complex legacy structures and moving to simplified, modular frameworks.
• Experience preparing materials for formal approvals (e.g. risk assessments, strategy change documentation) and supporting implementation/release validation.
• Strong conceptual thinking and ability to drive clarity in ambiguity while dealing with credit and operationalproblems
• Highly refined and professional verbal and written communications
• Outstanding problem solving anddecision makingskillsbased on analytics.
• Adept in data analysis tools and programming (R, Python, SQL, SAS)

Candidate will be expected to work onsite at one of the stated locations listed in the job posting on a hybrid schedule.

VISA Sponsorship will not be supported by this role.

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.

Posting End Date:

*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, or 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), which 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, and 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, visitDisability 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.