Data Driven Risk Analyst with Advanced Statistical Expertise

2 weeks ago

Bengaluru, Karnataka, India WELLS FARGO BANK Full time
Job Summary

We are seeking an experienced Data Driven Risk Analyst to join our team at Wells Fargo Bank. This is a unique opportunity to leverage advanced statistical expertise and drive business growth while ensuring risk management.

About the Role

In this role, you will be responsible for leading complex initiatives related to business analysis and modeling. This includes cross-functional projects with broad impact, data aggregation, monitoring, and reporting of stress testing and portfolio analysis for Risk Analytics. You will review and analyze complex programming models to extract data and manipulate databases to provide statistical and financial modeling specific to businesses supported.

Key Responsibilities
  • Lead complex initiatives related to business analysis and modeling, including those that are cross functional, with broad impact, and act as key participant in data aggregation, monitoring, and reporting of stress testing and portfolio analysis for Risk Analytics
  • 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
Required Qualifications
  • 5+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications
  • The incumbent would functionally contribute as a Lead Consultant to the Personal Lending Credit Risk team and execute relatively large and complex projects with moderate to high risk for the line of business
  • Lead and deliver on 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. Acts as a subject matter expert for senior leaders
  • Assesses and predicts 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
  • Control & Governance + Risk experience preferred
  • Develop Loss forecasting framework & execute the same to generate key credit loss metrics for medium term. Lead discussions with key stakeholders from business & risk functions to explain the forecasted numbers & finetune the projection basis high level feedback. Mentor junior members to ensure delivery of different components of forecasting framework
  • Develop 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, 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
  • Builds risk rating methodologies using advanced analytics approaches including statistical modeling and machine learning techniques, not limited to Random Forest, Decision Trees, Segmentation, and/or Time-series modeling
  • Develop complex programming models to extract data and/or manipulate databases such as ORACLE, Teradata
  • To be effective in this position, you will need to have a good understanding of credit, practice in the test and learn discipline and exploratory analysis and be fluent in both the key technical tools of credit risk decisioning and sound credit judgment
  • Hands on Experience in at least one area in credit risk analytics - credit strategy / modeling techniques / Forecasting techniques / data architecture & management
  • Detailed understanding of risk domain; Strong Risk analytics skills and understanding of P&L, drivers
  • Expertise in few programming and statistical packages - SAS, SQL, 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
  • Knowledge and understanding of (consumer and small business loan) credit card lending practices, policies, procedures, and key drivers impacting credit offerings
  • Ability to contribute to strategic decisions and coordinate with multiple stakeholders. Develop consensus and gain buy-in for strategic priorities
  • Strong ability to develop partnerships and collaborate with other business and functional area
Salary and Benefits

The estimated salary range for this role is between $140,000 and $220,000 per year, depending on qualifications and experience. We also offer a comprehensive benefits package, including medical, dental, and vision insurance, 401(k) matching, and paid time off.

Why Work at Wells Fargo?

At Wells Fargo, we believe in diversity, equity, and inclusion in the workplace. We welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran, or any other status protected by applicable law.

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