Lead Business Credit Specialist, Fraud Strategy & Analytics

Wells Fargo is seeking a Lead Business Credit Specialist to join the Auto Originations Strategy & Analytics team. This role will independently drive strategies that optimize income and identity verification requirements, balancing fraud risk mitigation with a seamless dealer and customer experience. Leveraging advanced analytics, the Lead Business Credit Specialist will identify fraud and income verification trends across the auto lending portfolio, develop data-driven recommendations, and partner closely with Auto Lending, Risk, Compliance, Legal, Product, Technology, and Operations teams to transform insights into actionable strategies that enhance operational performance, strengthen controls, and support audit and governance initiatives. In this role, you will: Advise line of business and companywide functions on business strategies based on research of performance metrics, trends in population distributions, and other complex data analysis to maximize profits and asset growth, and minimize losses within credit risk and other operating standards Provide influence and leadership in the identification of new tools and methods to analyze data Ensure adherence to compliance and legal regulations and policies on all projects managed Strategically collaborate and consult with peers, colleagues, and mid-level to senior managers to resolve issues and achieve goals Lead projects, teams, or serve as a peer mentor to staff, interns and external contractors Develop business strategies that will drive growth, profitability, and competitive advantage for Wells Fargo Develop, test, analyze and implement strategies to achieve the financial objective relevant to macro-economic conditions Work closely with cross functional teams (Tech, Product, Risk, Operations) to drive impact on a given product, problem, or initiative 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 fraud, credit risk, or lending strategy Advanced proficiency in SAS, SQL, and Python, along with ability to monitor data and metrics Experience within auto finance, consumer lending, or financial services Proven ability to partner across cross-functional teams Experience within credit risk and/or fraud analytics teams, with a strong understanding of operations analytics, strategy development, portfolio performance, and data-driven decision making in a financial services environment. 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: 12 Sep 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: 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.