Lead Credit Risk Officer – Consumer Lending, Corporate Risk

About this role:

Wells Fargo is seeking a Lead Credit Risk Officer. This role aligns to the Consumer Lending Risk Analytics, Delivery and Oversight (CADO) group, reporting directly to the Risk Analytics Director of Product Management, Delivery & Execution.

The individual will leverage their experience and knowledge of risk management, business functions, products, and services to provide independent, holistic risk leadership and delivery of the businesses. In addition to primary accountability for aligned business groups, the ability to perform the following functions:

Developing, evolving, and communicating the product area vision, priorities, and strategy to key partners and stakeholders while obtaining feedback, managing risk, and ensuring regulatory and policy compliance.

Collaborate with the product managers, risk leaders, and technology on the overall delivery of the risk portfolio.

Establishing, communicating, and monitoring goals, objectives, and overall performance indicators.

Facilitating frequent collaboration between customers, stakeholders, and teams throughout the product and delivery lifecycle.

Actively owning the prioritization of the portfolio and overall backlog, aligning with consumer lending risk objectives and goals.

Identifying and optimizing various process opportunities within the operating model, related to intake, prioritization, testing, reporting, etc.

Responsible for ensuring that all known work is added to the backlog and made transparent.

In this role, you will:

Lead complex initiatives including those that are cross-functional with broad impact and act as key participant in driving the company credit culture, desire, and business performance for Credit Risk

Review and analyze complex strategies, programs and policies with a direct and significant impact on credit risk appetite and culture

Receive direction from leaders

Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements

Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals

Interact with internal and external customers

Collaborate with business for oversight of risk management

Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics.

Maintain a healthy backlog of items that are linked appropriately (Story → Feature → Epic).

Accepting user stories after they have met the acceptance criteria and the definition of done.

Actively participating in all product area events.

Identifying and resolving sequencing and prioritization conflicts across products and product areas.

Inspiring and leading high-performing, cross-functional teams.

Being available to the team to answer questions and address escalated impediments.

Maintaining continuous and cadenced communication with the product manager and delivery teams

Coordinating with business analysts, delivery coordinators, POs, and supporting roles that are shared across delivery teams.

Required Qualifications:

5 years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

5 years experience in a Product Manager or Product Delivery role

Undergraduate degree

Strong Risk Management leadership skills

Ability to communicate effectively, in both written and verbal formats, at all levels of the organization, including senior executive-level leadership

Ability to influence and lead organizational change in a within a matrix environment and build effective business partnerships with all levels of team members

Experience working with and leading delivery teams

Comfortable with ambiguity and facilitating discussions to explore the best possible solutions and possess the ability to lead

Experience with Agile practices and frameworks (e.g., Kanban, Scrum, etc.) and workflow and collaboration tools, such as Confluence, Jira and Jira Align

Posting Locations:

2200 Concord Pike – Wilmington, Delaware

401 S. Tryon Street – Charlotte, North Carolina

1445 Ross Ave – Dallas, Texas

800 S. Jordan Creek Pkwy – West Des Moines, Iowa

Job Expectations:

This position currently offers a hybrid work schedule

Ability to work at one of the approved locations in the job posting

Posting End Date:

27 Oct 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 units 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.

Company: WELLS FARGO BANK

Req Number: R-407116-4

Updated: Wed Oct 23 00:25:43 UTC 2024

Location: WEST DES MOINES,Iowa