Consumer Credit Risk Analytics Director, Portfolio Insights – Committee Governance

Wells Fargo

. Assess cross-consumer credit performance, consumer financial health and behavior, emerging risks, marginal segment concentrations, and macroeconomic influences .

Posted 10/30/2026full-timeUnited StatesLead💰 $185,000 - $300,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in Risk Analytics, with a strong focus on consumer lending and credit risk management. Proven ability to lead teams, communicate complex risk insights to senior leadership, and develop actionable recommendations for credit governance and risk mitigation.

Highest-signal resume keywords

Risk Analytics ExperienceConsumer Lending ExpertiseExecutive-Level CommunicationCredit Risk Governance LeadershipData Analysis and Reporting

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk AnalyticsConsumer LendingCredit Risk ManagementData AnalysisPortfolio Insights DevelopmentRisk GovernanceCredit ReportingEmerging Risk IdentificationExecutive ReportingDecision-Making

Soft Skills

Influencing StakeholdersCollaborative Partnership BuildingProblem-SolvingOrganizational SkillsPrioritization

Industry Keywords

Credit CardAuto LendingHome LendingRisk Compliance ProgramsGovernance FrameworksRisk IdentificationEscalation ProcessesSenior Management CommunicationCross-Functional InitiativesCredit Governance

About the role

Key responsibilities & impact

Assess cross-consumer credit performance, consumer financial health and behavior, emerging risks, marginal segment concentrations, and macroeconomic influences
Lead development of portfolio insights and risk analytics for senior leadership
Translate complex data, reporting, and risk information into clear, actionable insights
Improve credit reporting and analytics for senior management
Lead credit risk committee governance and develop materials for discussion, challenge, escalation, and decision-making
Improve credit governance frameworks, control standards, and processes
Partner across Risk and business functions to represent and escalate key risk observations
Lead cross-functional initiatives strengthening credit insights, management reporting, and credit risk governance
Develop executive-level presentations and communicate complex risk matters to senior leadership and governance forums
Identify risks requiring senior management attention, escalation, or further analysis
Lead and develop a high-performing team
Serve as a trusted advisor to senior leadership on credit trends, emerging risks, and credit governance matters
Support applicable risk and compliance programs, monitoring, governance, risk identification, escalation, remediation, and sound risk decisions

Requirements

What you’ll need

10+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of work experience, training, military experience, or education
4+ years of management or leadership experience
Extensive hands-on experience in consumer lending and credit-risk
Direct product experience across Credit Card, Auto Lending and Home lending most desired
Experience analyzing cross-product portfolios and customer segments
Experience identifying emerging risks from internal and external indicators
Experience communicating findings and recommendations to senior management
Ability to work with large, complex datasets and develop analytics
Experience leading risk governance, committee, and executive reporting processes
Executive-level communication skills
Ability to translate complex risk matters into clear, actionable recommendations
Ability to influence stakeholders, build collaborative partnerships, and drive outcomes across multiple lines of business and organizational levels
Strong problem-solving, judgment, and decision-making skills
Strong organizational and prioritization skills
Proven people leadership, including setting direction, developing talent, establishing accountability, and guiding teams toward strategic business and risk objectives
Required location listed above

Benefits

Comp & perks

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
Incentive opportunities may be available