Lead Business Credit Specialist

Wells Fargo is seeking a Lead Business Credit Specialist to join the Auto Originations Credit Strategy team. In this role, you will lead the development, implementation, monitoring, and governance of credit strategies that support profitable growth while maintaining a strong risk and control environment. Responsibilities span credit strategy, automated decisioning, credit expansion initiatives, and ongoing performance monitoring. The role requires translating analytical insights into actionable strategy recommendations and partnering closely with Risk, Product, Technology, Operations, Compliance, Legal, and business leaders to deliver sustainable business outcomes while meeting governance, audit, and regulatory expectations. The team owns strategy design, monitoring, implementation oversight, and governance activities across the indirect auto lending portfolio.

In this role, you will:

• Lead the development, testing, implementation, and monitoring of credit, underwriting, and automated decisioning strategies across the indirect auto lending portfolio
• Analyze portfolio performance, application trends, approval outcomes, customer behavior, operational impacts, and emerging risks to identify opportunities that improve risk-adjusted profitability, automation, customer experience, and portfolio performance
• Design and deliver risk-reward recommendations supported by data, analytics, business insight, and regulatory considerations
• Own strategy performance monitoring, business reviews, and executive reporting, including assessment of strategy changes, pilots, and portfolio trends
• Lead governance activities associated with credit strategy changes, including working with partners, obtaining approvals, implementation planning, control documentation, and post-implementation monitoring
• Partner with Product, Technology, Operations, Fraud, Compliance, Legal, and Risk teams to translate business objectives into production-ready solutions and strategic enhancements
• Support audit, exam, issue management, policy implementation, and regulatory response activities by providing analytical support, documentation, and control evidence
• Evaluate new data sources, analytical tools, models, and third-party solutions to improve credit strategy, automated decisioning, profitability, and growth
• Develop and maintain policies, procedures, business requirements, and monitoring frameworks that support effective governance and control execution
• Provide leadership, mentorship, and subject matter expertise to peers and junior team members while influencing cross-functional partners and senior leaders
• Communicate analytical findings, business insights, and strategy recommendations to senior leaders, governance forums, and cross-functional stakeholders
• Drive strategic initiatives that expand credit access, improve automation, strengthen controls, and optimize portfolio profitability within established risk appetite

Required Qualifications

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

Desired Qualifications

• Advanced analytical experience in credit risk, lending strategy, underwriting, or consumer finance analytics
• Advanced proficiency in SAS, SQL, and Python, along with the ability to monitor data and performance metrics
• Experience within auto finance, consumer lending, or financial services
• Proven ability to partner across cross-functional teams and influence business outcomes
• Experience developing, implementing, monitoring, and optimizing credit or underwriting strategies
• Strong understanding of portfolio performance analysis, strategy development, automated decisioning, and data-driven decision making in a financial services environment
• Experience communicating analytical findings and strategy recommendations to senior leaders, governance forums, and business partners
• Demonstrated self-motivation with a strong sense of ownership and accountability for driving initiatives from concept through execution

Job Expectations

• Willingness to work on-site at one of the stated locations on the job opening
• This position offers a hybrid work schedule
• Relocation assistance is not available for this position
• Ability to travel up to 10%
• This position is eligible for Visa sponsorship

Posting Locations

• Irving, TX – 4101 Las Colinas Blvd.
• Charlotte, NC – 550 S. Tryon St.
• Chandler, AZ – 2800 S. Price Rd.

Posting End Date: 

*Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. 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.

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 unit’s risk appetite and all risk and compliance program requirements.

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.