Senior Manager Risk Analytics, Card Decision Science

About This Role
Wells Fargo is seeking a Risk Analytics Senior Manager to lead a Decision Science valuation function within the Credit Card organization, focusing on Direct Mail channels, including Firm Offer and Invitational to Apply.
This role will lead the valuation strategy for Direct Mail acquisitions, overseeing how we optimize multi-million-dollar budgets and target the right customers using advanced analytical and financial frameworks. The leader will guide a highly technical team, leveraging credit bureau data, prescreen strategies, and sophisticated cash-flow modeling to drive profitable growth across Card acquisitions. Learn more about the career areas and business divisions at wellsfargojobs.com.
In This Role, You Will

Lead a team in building consistent valuation frameworks to guide credit card origination strategy using advanced methodologies and technology
Demonstrate strong expertise in qualitative and quantitative analysis, statistics, economics, and financial valuation
Manage and develop teams of excellent professionals, and managers in roles with moderate complexity and risk
Engage and influence peers, management, and experienced leaders companywide
Identify and recommend opportunities for transformation of data into actionable information that drives business outcomes, strategies, and risk control development
Manage modeling, forecasting, reporting, and data distribution tools and processes requiring significant technical complexity within analytics
Act as a technical expert for experienced management on highly complex issues
Make decisions and resolve issues regarding data aggregation, strategies, resources, and operations of risk analytics to meet business objectives
Interpret and develop risk policies and procedures for functions with low to moderate complexity within Analytics and Reporting
Recommend strategies and actions to be considered by management relative to high risk
Collaborate with and influence peers, all levels of professionals, including experienced managers
Manage allocation of people and financial resources for Risk Analytics
Develop and guide a culture of talent development to meet business objectives and strategy
Required Qualifications

7+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
3+ years of management or leadership experience
Desired Qualifications

Prior experience leading and developing technical, analytics, or statistical modeling teams
Background in unsecured lending, with credit card experience strongly preferred, and deep understanding of credit risk drivers across products such as personal loans, auto, or mortgage
Deep experience supporting Direct Mail strategy for credit cards, including prescreen workflows, credit bureau data, and customer targeting
Expertise with financial valuation and cash-flow analysis, including NPV/CLV frameworks
Experience developing or supporting credit card strategies such as originations, line strategies, balance transfers, product upgrades, and retention
Experience working directly with credit bureau data and partnering with vendors such as Axiom, Experian, and MarketSwitch
Programming expertise in SAS and Python for data analysis, modeling, and valuation and strategy development
Demonstrated success optimizing large-scale marketing budgets and evaluating ROI for acquisition programs
Knowledge of credit underwriting, targeting frameworks, and acquisition funnel dynamics
Business development or portfolio valuation experience, including assessing partnership or cobrand opportunities
Graduate degree in statistics, economics, mathematics, engineering, or MBA with a quantitative focus
Executive-level communication skills with the ability to evaluate complex analytical outputs, synthesize key insights, and present well-reasoned recommendations that influence high-impact business decisions
Job Expectations:

Ability to travel up to 15% of the time
This position offers a hybrid work schedule
Visa sponsorship is not available
Job posting may come down early due to volume of applicants.
Posting Locations:

2200 Concord Pike, Wilmington, DE 19803
401 Las Colinas Blvd, Irving, TX 75039
550 S Tryon Charlotte, NC 28202
Required locations listed above.
Posting End Date
26 Mar 2026

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

Third-Party recordings are prohibited unless authorized by Wells Fargo.
Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
Reference Number
R-529105-1