Lead Analytics Consultant - Business Credit Card - Originations Prescreen Credit Strategy

Wells Fargo Bank•Wilmington, DE

4d•Hybrid

About The Position

Wells Fargo is seeking a Lead Analytics Consultant to own the end-to-end Business Card Originations prescreen credit strategy. The owner is accountable for defining, governing and optimizing prescreen credit and eligibility strategies that support responsible growth and portfolio performance. The role partners across Risk, Marketing, Analytics, Modeling, Operations, Legal/Compliance and Technology to execute prescreen campaigns, monitor outcomes, and deliver enhancements through established governance processes.

Requirements

5+ years of Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Experience in credit risk strategy, underwriting analytics, acquisition strategy or prescreen/solicitation decisioning
Strong quantitative and analytical skills; experience working with large datasets and performance monitoring

Nice To Haves

Direct credit card experience with prescreen programs and strategy design (e.g. selection criteria, cutoff setting, campaign governance).
Proven stakeholder management across Risk, Marketing, Modeling, Operations and Technology in a governed environment
Demonstrated ability to translate analytical insights into actionable strategy changes with measurable performance outcomes.
Familiarity with modernization initiatives such as retiring complex legacy structures and moving to simplified, modular frameworks.
Experience preparing materials for formal approvals (e.g. risk assessments, strategy change documentation) and supporting implementation/release validation.
Strong conceptual thinking and ability to drive clarity in ambiguity while dealing with credit and operational problems
Highly refined and professional verbal and written communications
Outstanding problem solving and decision making skills based on analytics.
Adept in data analysis tools and programming (R, Python, SQL, SAS)

Responsibilities

Own the prescreen credit strategy framework, including selection rules/waterfalls, cutoffs and segmentation for relevant prescreen populations.
Lead strategy changes through governance and documentation processes (e.g. risk assessments, approvals, release validation), ensuring appropriate controls and monitoring are in place.
Maintain clearly defined decision logic and change history to support auditability and operational sustainability.
Develop business strategies that will drive growth, profitability, and competitive advantage for Wells Fargo
Establish monitoring routines for campaign outcomes (e.g. approval, booked volume, early performance, losses, engagement behavior) and identify drivers of variance.
Execute ongoing optimization (e.g. cutoff calibration, segmentation refinement, test/control) to remain within expected performance bounds and risk appetite.
Define “exit points” and remediation actions (e.g. pausing or adjusting prescreen selection strategy) when performance deviates from expectations.
Partner with Risk Modeling to implement and maintain modularized score cutoffs and align prescreen decisioning with broader underwriting framework.
Ensure appropriate performance tracking and governance for score usage, including drift monitoring and cutoff rationale.
Develop, test, analyze and implement strategies to achieve the financial objective relevant to macro-economic conditions
Coordinate with Marketing and channel partners on campaign cadence, offer strategy inputs and operational readiness.
Partner with Technology/Operations on implementation requirements, production validation and issue resolution using established release practices.
Manage third-party/channel considerations as applicable and ensure alignment to standard third-party risk processes.
Ensure alignment between strategy, regulatory and internal policy requirements.
Work closely with cross functional team (Tech, Product, Risk, Operations) to drive impact on a given product, problem, or initiative
Ensure strategies adhere to applicable legal/regulatory requirements and internal policies (e.g. prescreen and solicitation requirements, model governance, fair lending considerations, and documentation standards).
Support ongoing reviews by providing transparent artifacts (strategy documentation, monitoring results, and change rationale) suitable for independent challenge.