Lead Analytics Consultant – Business Credit Card, Originations Prescreen Credit Strategy

Role Overview

• 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.

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
• 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)

Tech Stack

• Python
• SQL

Benefits

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement