Credit Portfolio ConsultantWells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides asset management, capital raising and advisory, financing, foreign exchange, payments, risk management, and trade finance services to support customers who conduct business in the global economy. At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We also value the viewpoints of our team members and encourage them to be their best. Join our diverse and inclusive team where you will feel valued and inspired to contribute your unique skills and experience. We are looking for talented people who will put our customers at the center of everything we do. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Learn more at our International Careers website .
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 .
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:
Our Consumer Credit Solutions (CCS) Risk Management team oversees the credit policy and portfolio optimization strategies for over $30 Billion of credit card and unsecured lines of credit.
CCS Risk Management is looking for an experienced Credit Portfolio Consultant to support collections strategy & analytics, reporting and strategy implementation. This includes using analytics and other tools to re-develop and monitor collections and recovery strategies, provide collections oversight and be able to explain the impact of collections performance on delinquency trends as well as working with operations teams to implement operational best practices via test and control approaches.
Qualified candidates must have excellent communication skills, high degree of initiative, strong partnering and interpersonal skills, solid project/process management skills, as well as critical analytical thinking and SAS coding skills. Qualified candidates must also possess a results driven attitude committed to quality work.
Develop robust and consistent reporting and monitoring capability to track Collections and Recovery performance across CCS through the Portfolio Quality Review process
Drive Collection and Recovery risk management contact strategies including calling intensity optimization and channel feasibility
Provide analytics to help improve Collections efficiency and effectiveness and make recommendations to senior management
Develop and implement data framework that is designed to manage and triangulate the complexity among processes, strategies and workflows
Perform analysis and reporting to support management decision-making and strategic objectives with quantitative approaches
Work collaboratively and effectively with technical partners, business partners and strategy experts to help implement strategies, segmentation models and new technologies
Develop and monitor automated processes to execute the collection strategies daily for all 4 Lines of businesses, Card, Personal Line & Loan, Retail Services, and Education Finance, and create QC and quality control.
Present results and recommendations to senior management
Market Skills and Certifications
4+ years consumer credit risk experience
A strong willingness to engage in a continuous learning environment through data and analytics
Demonstrated experience telling stories with data to both technical and non-technical audiences
Excellent SAS, and Excel skills in performing complex large data manipulation
Read, store, manipulate, efficiently join, and modify large datasets
Summarize, and produce analytical insights for presentation
Strong desire to work with new data sources - including cleansing, scrubbing and reconciling
Microsoft Office package knowledge/experience required
Ability to build and document decision trees and process flows based on historical data
Direct experience building and automating production, and/or performance reports
Ability to manage multiple priorities and complete projects on time
Must be able to learn and work independently while managing time and priorities efficiently
Good verbal communication, written documentation and presentation skills
Bachelor's degree in a quantitative field
Understanding of analytic/scored decisioning environment
Demonstrated excellence at developing sound credit processes and enhancing existing processes
Credit card and/or unsecured lending experience
Proficiency with SAS macros and experience in leveraging macros to make processes more efficient
We Value Diversity
At Wells Fargo, we believe in diversity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national or ethnic origin, age, disability, religion, sexual orientation, gender identity or any other status protected by applicable law. We comply with all applicable laws in every jurisdiction in which we operate.
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