Senior Risk Analytics Consultant

1 week ago

Hyderabad, India WELLS FARGO BANK Full time
About this role:

Wells Fargo is seeking a Senior Risk Analytics Consultant.

In this role, you will:
  • 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.
Required Qualifications:
  • 4+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
Desired Qualifications:
  • Good Understanding of any of decision systems like Zoot Webrule builder/ FICO DMP/ Experian Powercurve.
  • Good understanding of any of decision systems and its components, data framework and its internal architecture of any of unsecured lending life cycle process like Acquisition/ Portfolio management/ Collections strategies.
  • Basic understanding of decision systems interaction with other systems and involvement in end-to-end technical architecture for Credit card/ Personal loan.
  • Good understanding of Agile framework. Actively participate in scrum ceremonies, team discussions. Support Teams to reach their goals.
  • Understand and interpret validation codes in SAS, SQL.
  • Support Team to develop automation utilities to improve process, project efficiency using add on skills like VB Script, Microfocus UFT/ Selenium, UNIX Shell script.
  • Understand different SOR systems and data flow architecture that populates data into risk DataMarts.
  • Basic knowledge of credit risk strategies, segments, tables, and score cards.
  • Basic knowledge of Testing concepts and type of testing like Unit, component, SIT, UAT, Regression testing.
  • Support to Decision system development Team, Business analyst, Scrum Team, Test Team. Understand requirements and design and develop business rules in system.
  • Ownership of project end to end implementation in UAT and Production.
  • Responsible to quick supports and fix during production deployments.
  • Good understanding of strategy resolution/ reverse engineering of Applications/ Transactions in multiple platforms like internet application, Intranet Applications, Mainframe systems, Decision systems and Datamart/ Data sources.
  • Conduct comprehensive analyses to assure timely monitoring of process efficiency and accuracy, minimizing credit/operating losses and reputation/ compliance risk exposure.
  • Work collaboratively and effectively with technical partners, business partners and strategy experts to implement strategies, segmentation models and new technologies/tools.
  • Deep dive into data and systems. Identify root cause for strategy decision's deviations.
  • Collaborate with various credit and product groups and external vendors to develop effective ways to manage new account decisions, leveraging best practices and new data/tools.
  • Provide technical guidance and analytical direction to other analysts and directly work with partners, responsible for identifying and defining business requirements and translating business needs into moderately complex analyses and solutions.
  • Ensures adherence to data management/data governance regulations and policies. Data involved may be very large, structured and from multiple sources.
  • Be a Team Player and provide thought leadership on the projects, driving new ideas and identify opportunities.
  • Senior individual contributor role 4+ years of experience in credit risk analytics domain, primarily with Credit Cards and Loan products. Individual in this role will work with testing Team, Risk Business Team. Responsibility to design and develop Business rules/ Strategies/ Modals in Decision system. Also, involved in data framework that is designed to manage and triangulate the complexity among processes, strategies, and workflows. Provide analytics to help improve efficiency and effectiveness.
  • 4+ years of credit risk experience in consumer/unsecured lending in any of process like Acquisition/ Portfolio Management/ collection strategy implementation.
  • 2+ working experience of decision systems like Zoot Webrule builder/ FICO DMP/ Experian PowerCurve and its components, data framework and its internal architecture for Acquisition/ Portfolio management/ Collections strategies.
  • Basic understanding of testing concepts and various types of testing.
  • Design and Develop Business rules for new Products, new models/business rules/ strategies or BAU changes.
  • Flexible with time to perform postproduction Fix, validations, monitoring, and resolution.
  • Good understanding of Credit card/ Personal loan life cycle.
  • Understand validation codes/ scripts in SAS/SQL, databases (like Teradata, Oracle).
  • Basic knowledge of Type of testing like System integration, User acceptance and Regression testing.
  • Any Agile framework certification and SAS certification are preferable.
  • Add on skills as VB Script, Microfocus UFT/ Selenium, UNIX Shell script.
  • Development of robust and consistent reporting and monitoring capability to track acquisition/ portfolio management/ Collections performance.
  • The candidate should be able to prioritize work, meet deadlines, achieve goals and work under pressure in a dynamic and complex environment. Detail oriented, results driven, and could navigate in a quickly changing and high demand environment while balancing multiple priorities.
  • Strong communication, interpersonal and leadership abilities to develop partnerships and collaborate with other business and functional areas.
  • Demonstrates strong negotiation, communication & presentation skills with high degree of reliability, integrity and trustworthiness and should contribute to strategic decisions and coordinate with multiple stakeholders.
  • Builds & maintains relationships and trust with staff members, business partners, and stakeholders.
  • Knowledge and understanding of unsecure lending practices, policies, and procedures, ability to learn the business aspects quickly, multitask and prioritize between projects.
  • Ability to make timely and independent judgment decisions while working in a fast-paced and results-driven environment having ability to lead project teams and coordinate with multiple stakeholders.
  • Operates with a sense of urgency, particularly towards deadlines, audit, and deliverables.
Job Expectations:
  • Post graduation/ Graduation degree in a quantitative field such as engineering, technology, mathematics, econometrics, or computer sciences.
  • Shift timings: 1:30 PM to 10:30 PM.
Posting End Date:
30 Dec 2024
*Job posting may come down early due to volume of applicants.

We Value Diversity

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, 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.

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.

Candidates applying to job openings posted in US: 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.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability 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.

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