Lead Decision Science Valuation & Pricing Consultant

About this role:

Wells Fargo is seeking a Lead Decision Science Consultant to support Personal Loan valuation and pricing initiatives. This role will be responsible for modeling and evaluating personal loan pricing strategies and strategic initiatives, including credit approval and decline decisions, loan amount optimization, customer segmentation, and channel strategy.

A significant focus of this position will be the design, execution, and analysis of loan pricing tests to inform and optimize future pricing strategies. The successful candidate will leverage deep expertise in consumer lending and apply advanced analytical techniques to enhance customer valuation frameworks that support data-driven strategic decision-making.

This role requires a strong balance of qualitative and quantitative capabilities, along with a solid foundation in mathematics, statistics, economics, and financial valuation. The candidate will utilize modern methodologies and technologies to deliver actionable insights that drive business outcomes.  Learn more about the career areas and business divisions at wellsfargojobs.com. 

In this role, you will:

• Design, execute, monitor, and analyze pricing sensitivity tests
• Monitor application rate trends and diagnose performance gaps
• Develop pricing optimization recommendations and present proposals to Pricing Committee meetings
• Conduct ongoing competitive market monitoring and benchmarking
• Maintain a strong controlled environment, ensuring compliance and documentation standards are met
• Partnering closely with Product, Marketing, Risk teams to drive business growth

Required Qualifications:

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

Desired Qualifications:

• Experience with consumer lending strategies
• Experience in risk‑based pricing, credit scores, and customer segmentation
• Advanced proficiency in Excel and analytical tools including Python and SAS
• Understanding of credit risk strategies
• Experience identifying, diagnosing, and resolving data quality or data integrity issues across complex data environments
• Bachelor’s or master’s degree in a quantitative or technical field
• Proven ability to manage recurring analytical processes independently, ensuring accuracy and timeliness
• Experience translating and summarizing complex data and technical concepts into understandable, actionable information and recommendations to executive level audiences
• Experience operating within a highly controlled analytics environment, ensuring documentation accuracy, audit readiness, data lineage clarity, and adherence to model governance and regulatory expectations
• Excellent analytical and problem-solving skills, including strong ability to effectively evaluate and prioritize work

Job Expectations:

• Ability to travel up to 15% of the time

• This position offers a hybrid work schedule

• Visa sponsorship is not available

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. Relocation assistance is not available for this position.

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.