Market Job Description
About Enterprise Global Services
Enterprise Global Services (EGS) enables global talent capabilities for Wells Fargo Bank NA., by supporting over half of Wells Fargo's business lines and staff functions across Technology, Business Services, Risk Services and Knowledge Services. EGS operates in Hyderabad, Bengaluru and Chennai in India and in Manila, Philippines. Learn more about EGS at our International Careers website.
Department Overview
Independent Risk Management (IRM) is a key component of WFEGS. Consumer Credit Risk Management within IRM brings a Team Member-based approach to the international talent pool focusing on analytical requirements. It encompasses roles that deliver insights and analysis based on skills, experience and judgment. Team Members exercise this judgment under general direction versus rule-driven processing. Processes and services performed in this area tend to be based on skills, domain knowledge and intellectual capability.
About The Role
: It starts with you. We must attract, develop, retain and motivate the most talented people - those who care and who work together as partners across business units and functions. We value and promote diversity and inclusion in every aspect of our business and at every level of our organization.
Responsibilities
may include (but are not limited to):
Responsibilities For This Position Will Include, But Not Be Limited To, The Following
We are looking for an experienced Risk consultant for the Consumer Credit Risk team.
- Apply advanced analysis to support risk management regarding data requirement, credit performance, business analysis, forecasting or modeling
- Perform complex activities related to business analysis. Assess and predict risk performance across functions
- Develop dynamic dashboards and provide insights and deep dives. Support monitoring framework to track, monitor and mitigate any potential and identified credit risks
- Contribute actively in development of credit policies, approval/decline strategies, models, credit line assignment methods, collections and recovery strategies.
- Participate in development, validation or monitoring of qualitative or quantitative models
- Support analysis and development of credit risk data-fields, data-marts and meta-data. Help in data migrations, system transitions, data-mapping, data lineage, data reconciliation and documentation
- Perform portfolio deep dives and ad-hoc analysis to understand portfolio trends, develop revenue / loss forecasts and deliver actionable solutions
- Knowledge of functional area with regards to risk data, processes, tools and methodologies
- Liaison with different stakeholders and partners to deliver quality projects
Market Skills and Certifications
Required
Qualifications
- Over all experience around 2+ years in similar role with at least 1+ years of unsecured lending experience in reporting or analytic functions
- Bachelor's degree or higher in a quantitative fields such as applied mathematics, statistics, engineering, finance, economics, econometrics or computer sciences
- Strong knowledge of Excel/VBA/MS Office Products
- Expertise in SAS, macros, SPSS or R
- Understanding of credit risk or data analytics domain
- Direct experience building and automating production, and/or performance reports
- Strong analytical skills with high attention to detail and accuracy
- Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
- Good verbal, written, and interpersonal communication skills
- Ability to develop partnerships and collaborate with other business and functional areas
- Experience determining root cause analysis
Preferred Qualifications
- A credit risk management analyst with at least 4 years of increasing responsibility within consumer lending
- Advanced degree in Statistics/Finance/Engineering/other quantitative disciplines
- Understanding of analytic/scored decisioning environment
- Demonstrated excellence at developing sound credit processes and enhancing existing processes
- Proficiency in Advanced SAS and SAS macros; Tableau or BI/automation tools