Credit Card Finance - Senior Business Aligned Finance Analyst

Wells Fargo•Irving, TX

1d•Hybrid

About The Position

Wells Fargo is seeking a highly analytical Senior Business Aligned Finance Analyst to join the Branded Cards CFO team. The role provides financial analysis, forecasting, new-vintage economics, and performance insights for the Credit Card Rewards and Loyalty businesses. The analyst partners with Branded Cards Originations, Product, Loyalty, Marketing, Account Management, Finance, Accounting, Analytics, and Technology teams to evaluate program performance, explain financial and customer-behavior drivers, identify risks and opportunities, and recommend actions to improve business outcomes. The successful candidate is intellectually curious, comfortable working independently with complex datasets, and able to translate ambiguous business questions and technical findings into clear financial insights and recommendations. The position offers a hybrid work schedule at one of the listed Wells Fargo locations in Wilmington, Delaware; Charlotte, North Carolina; Irving, Texas; or West Des Moines, Iowa. Relocation assistance and visa sponsorship are not available.

Requirements

4+ years of Finance experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination of these.
Strong financial modeling, forecasting, problem-solving, root-cause analysis, financial planning, and product-performance skills.
Experience independently pulling, validating, and analyzing complex datasets.
Proficiency with SQL, SAS, Python, or similar analytical tools.
Ability to translate complex analysis into concise recommendations and influence business decisions.
Experience resolving data-quality and data-lineage issues across multiple systems.
Self-directed and highly motivated, with ownership and accountability, and able to manage competing priorities and deliver results in a fast-paced environment.

Nice To Haves

Experience in Credit Card, Rewards, Loyalty, product finance, or consumer finance in financial services.
Bachelor’s degree or higher in Finance, Accounting, Economics, Analytics, Data Science, or a related field.
Strong executive communication and business partnership skills.
Advanced Excel and PowerPoint skills.
Experience with Essbase or comparable finance tools.
Leadership experience focused on coaching, training, mentoring, project management, or initiative or development programs.

Responsibilities

Analyze new originations profitability and growth economics.
Analyze channel and offer allocations, underwriting and approval strategies.
Support product launches and acquisition investments.
Analyze rewards performance, customer behavior, earn and redemption activity, promotional offers, and partner economics.
Connect operational and customer metrics to contra revenue, rewards liability, product profitability, and forecast outcomes.
Develop driver-based forecasts and scenario analyses for rewards contra revenue, cost per point, redemption behavior, and liabilities.
Provide actionable variance analysis against forecast, plan, and prior-year results.
Identify emerging risks and opportunities and present recommendations to business and finance leaders.
Develop business cases and measure results from program changes, promotions, and strategic investments.
Pull, combine, validate, and analyze data from multiple financial, customer, rewards, and operational systems.
Use SAS, SQL, Python, or similar tools for driver analysis, forecasting, customer-behavior analysis, and performance measurement.
Trace data through upstream and downstream systems to identify root causes of data-quality, reporting, or reconciliation issues.
Create scalable datasets, metrics, and analytical solutions that improve insight, forecast accuracy, and reporting efficiency.
Partner with Analytics and Technology teams to address data gaps and automate manual processes.
Support month-end close for rewards liabilities and contra revenue, including reconciliations, accruals, and financial reporting.
Partner with Accounting and Finance to ensure appropriate accounting treatment, accurate reporting, and effective controls.
Maintain documentation of forecast methodologies, assumptions, data sources, and reconciliations.
Prepare concise executive presentations and commentary explaining performance, implications, and recommended actions.
Identify opportunities to simplify or automate routine reporting while maintaining control and accuracy.
Execute applicable risk programs and follow Wells Fargo policies and procedures, fulfill risk and compliance obligations, escalate and remediate issues, and make sound risk decisions.