Lead Business Credit Specialist, Fraud Strategy & Analytics

Wells Fargo•Irving, TX

2d•Hybrid

About The Position

Wells Fargo is seeking a Lead Business Credit Specialist to join the Auto Originations Strategy & Analytics team. The role independently drives strategies that optimize income and identity verification requirements while balancing fraud risk mitigation with a seamless dealer and customer experience. The specialist uses advanced analytics to identify fraud and income verification trends across the auto lending portfolio, develop data-driven recommendations, and partner with Auto Lending, Risk, Compliance, Legal, Product, Technology, and Operations teams. The work translates insights into actionable strategies that enhance operational performance, strengthen controls, and support audit and governance initiatives. The position advises business and companywide functions on strategies based on performance metrics, population trends, and complex data analysis; identifies new data-analysis tools and methods; and ensures compliance with applicable legal and regulatory policies. It collaborates with peers and managers, leads projects or teams, and may mentor staff, interns, and external contractors. The role develops, tests, analyzes, and implements business strategies to support growth, profitability, competitive advantage, and relevant financial objectives under changing macroeconomic conditions. The position offers a hybrid work schedule and requires willingness to work on-site at one of the listed locations. Travel may be up to 10%. Relocation assistance is unavailable, and the position is eligible for visa sponsorship.

Requirements

At least 5 years of Business Credit experience, or equivalent experience demonstrated through work experience, training, military experience, education, or a combination of these.
Willingness to work on-site at one of the stated locations.
Ability to travel up to 10%.

Nice To Haves

Advanced analytical experience in fraud, credit risk, or lending strategy.
Advanced proficiency in SAS, SQL, and Python, and ability to monitor data and metrics.
Experience in auto finance, consumer lending, or financial services.
Proven ability to partner across cross-functional teams.
Experience on credit risk and/or fraud analytics teams, with a strong understanding of operations analytics, strategy development, portfolio performance, and data-driven decision-making in financial services.
Self-motivation and a strong sense of ownership and accountability for driving initiatives from concept through execution.

Responsibilities

Advise business and companywide functions on strategies using performance metrics, population trends, and complex data analysis to maximize profits and asset growth while minimizing losses within credit risk and other operating standards.
Identify new tools and methods for data analysis and provide influence and leadership in their adoption.
Ensure adherence to compliance and legal regulations and policies on managed projects.
Collaborate and consult with peers, colleagues, and mid-level to senior managers to resolve issues and achieve goals.
Lead projects or teams, or serve as a peer mentor to staff, interns, and external contractors.
Develop business strategies to drive growth, profitability, and competitive advantage for Wells Fargo.
Develop, test, analyze, and implement strategies to achieve relevant financial objectives in light of macroeconomic conditions.
Work with cross-functional teams, including Technology, Product, Risk, and Operations, to drive impact on products, problems, or initiatives.
Analyze auto lending portfolio trends related to fraud and income verification and develop data-driven recommendations.
Partner with Auto Lending, Risk, Compliance, Legal, Product, Technology, and Operations to turn analytical insights into strategies that improve operations, strengthen controls, and support audit and governance initiatives.