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Wells Fargo is seeking a Senior Risk Analytics Consultant.
Job Responsibility:
Lead or participate in moderately complex initiatives, and delivering insight and decision strategies within analytics and reporting, and contribute to large-scale planning related to Risk Analytics
Review and analyze moderately complex data aggregation, forecasting, reporting, and programming models
Be responsible for process production, data reconciliation, and model documentation in alignment with policy governance
Resolve data, production, business modeling, and lead team to meet Risk Analytics deliverables while leveraging solid understanding of risk reporting policies, modeling strategies, procedures, regulatory requests, and compliance requirements
Collaborate and consult with peers, experienced managers, compliance, and technology to resolve modeling, forecasting, and production issues, and achieve analytic and reporting goals
Lead projects, teams, and mentor less experienced staff
Partner with cross enterprise risk analysts in development of common modeling strategies
The incumbent would functionally contribute to the Auto Lending Credit Risk team and execute relatively large and complex projects
Leads significant initiatives and processes, and partners with line of business management to drive the company credit culture, appetite, and business performance with inputs from senior leadership
Directs and coordinates the various activities related to assessing and predicting risk and performance through business analysis and/or modeling
Establishes effective policies, processes, and tools to identify and manage risks
Uses predictive sciences for developing future ready solutions
Develops comprehensive monitoring frameworks and dashboards and provide statistically sound diagnostic evaluation of any emerging or unexpected risk areas to enhance intelligence and facilitate faster decision making
Reports on asset quality (delinquency, loss rate), portfolio trends, credit policy exceptions across various credit, vintage, product, offer, channel, industry segments using visualization tools such as Excel VBA, Tableau and/or SAS Visual Analytics
Develops quantitative/qualitative tools and methodologies for forecasting losses in supporting portfolio planning, loan loss provisioning, or new account acquisitions
Develop, maintain, and enhance the complex programming to extract data and/or manipulate databases such as Oracle, Teradata to support LOB strategy
Perform complex data analysis to support data quality, data integrity control
Evaluate new data sources and attributes, internal and external from extensive case reviews
Analyze big data and understand / monitor trends to provide actionable insights across a range of risk analytics initiatives
Produce production of monthly, quarterly, and annual performance reports for senior management
review and analyze trends in current population distributions
Provide research and process support for data lineage development and maintenance from Analytic data warehouse to its provisioning points
Provide access management related research support
Requirements:
4+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Bachelor's degree or higher in a quantitative fields such as applied mathematics, statistics, engineering, finance, economics, econometrics or computer sciences
4+ years of progressive experience in credit and risk analytic roles
Hands on Experience in at least one area in credit risk analytics - credit strategy / modeling techniques / Forecasting techniques / data architecture & management
Good understanding of risk domain
Strong Risk analytics skills and understanding of P&L and risk drivers
Expertise in few programming and statistical packages - SAS, SQL, Excel, VBA, Macros, R, Python, E-miner, Tableau, SAS VA
Knowledge of advanced statistical tools such as Segmentation Tools, Decision Trees, Clustering, Regression, and other statistical modeling and/or Machine Learning techniques
Ability to identify and evaluate trends, isolate root cause, and provide swift/thorough resolution
Strong analytical skills with ability to turn findings into executable plans to meet business objectives
Proficiency in Advanced SAS,SAS macros and SQL
Tableau or BI/automation tools
Strong project management skills with ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
Strong ability to develop partnerships and collaborate with other business and functional area