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Senior Lead Business Credit Specialist – Auto Originations
Wells Fargo. Provide senior-level expertise for credit strategy, underwriting strategy, automated decisioning, credit expansion initiatives, portfolio analytics, performance monitoring, and governance across the indirect auto lending portfolio .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates extensive expertise in credit strategy, underwriting, and credit risk management, with a strong ability to lead complex initiatives and influence cross-functional partnerships. Proficient in developing and implementing analytical strategies and governance frameworks to drive portfolio performance and risk management.
Highest-signal resume keywords
Credit Risk ManagementUnderwriting StrategyPortfolio Performance AnalysisSASSQL
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit StrategyAutomated DecisioningConsumer Finance AnalyticsPerformance MonitoringGovernance DocumentationAnalytical EvaluationsStrategy DevelopmentImplementationMonitoring FrameworksComplex Initiative Leadership
Soft Skills
Stakeholder ManagementMentoringInfluencingCollaborationSound Judgment
Tools & Technologies
PythonAnalytical Tools
Industry Keywords
Indirect Auto LendingCredit Expansion InitiativesOperational ImpactsEmerging RisksBusiness Recommendations
Tech Stack
Tools & technologiesPythonSQL
About the role
Key responsibilities & impact- Provide senior-level expertise for credit strategy, underwriting strategy, automated decisioning, credit expansion initiatives, portfolio analytics, performance monitoring, and governance across the indirect auto lending portfolio
- Establish strategic priorities and independently lead high-impact business, credit risk, and control initiatives
- Develop, test, implement, and monitor credit, underwriting, and automated decisioning strategies
- Lead complex analyses of portfolio performance, application trends, approval outcomes, customer behavior, operational impacts, and emerging risks
- Produce and critically review analytical evaluations, business recommendations, monitoring frameworks, and executive-level materials
- Build and maintain relationships with senior leaders and partners across Product, Operations, Fraud, Compliance, Legal, Risk, and other business functions
- Develop and maintain effective policies, procedures, business requirements, monitoring frameworks, and governance documentation
- Communicate portfolio insights, emerging risks, strategic recommendations, and business outcomes to senior leaders and governance forums
- Promote sound risk management, accountability, collaboration, innovation, and continuous improvement
Requirements
What you’ll need- 7+ years of Business Credit experience, or equivalent demonstrated through one or a combination of work experience, training, military experience, or education
- Extensive experience in credit risk, lending strategy, underwriting, consumer finance analytics, or related disciplines
- Demonstrated experience leading complex initiatives, influencing cross-functional partners, and providing subject-matter expertise
- Advanced knowledge of credit risk management, portfolio performance, strategy development, implementation, monitoring, and governance
- Demonstrated ability to lead complex, cross-functional initiatives from strategy development through implementation and performance monitoring
- Experience evaluating complex analytical findings and translating them into clear strategic recommendations and business decisions
- Proven ability to influence senior leaders and build effective partnerships across Product, Technology, Operations, Fraud, Compliance, Legal, and Risk
- Knowledge of SAS, SQL, Python, or similar analytical tools, with the ability to effectively challenge analytical methodologies, assumptions, and conclusions
- Strong consulting, mentoring, and stakeholder-management capabilities, including the ability to provide technical guidance and influence outcomes
- Demonstrated sound judgment, executive presence, accountability, and the ability to manage multiple complex priorities in a changing environment
- Willingness to work on-site at one of the stated locations on the job opening
Benefits
Comp & perks- Relocation assistance is not available for this position
- Hybrid work schedule