Senior Lead Data Science Consultant, Cards and Personal Loans Decision Sciences

About this role:

Wells Fargo Credit Cards is seeking a Senior Lead Data Science Consultant to lead analytical work supporting marketing models for Cards and Personal Loans products. The role will serve as the modeling lead, partnering with stakeholders to understand strategic priorities and translate them into modeling requirements, while working closely with data scientists in the Modeling Center of Excellence (CoE) who develop the models.

In addition to guiding model development and lifecycle activities, the role will have significant responsibility for conducting advanced analytics, evaluating internal and external data sources and engineering features for modeling consumption.  Learn more about the career areas and business divisions at wellsfargojobs.com.

In this role, you will:

• Serve as the business-side owner for machine learning models supporting Cards and Personal Loans products, guiding priorities and outcomes across the model lifecycle
• Partner with business stakeholders to understand strategic objectives and translate them into well-defined modeling requirements, analytical plans, and measurable outcomes
• Work closely with data scientists in the Modeling Center of Excellence (CoE) to provide business context, define requirements, evaluate results, and guide model enhancements
• Evaluate internal and external data sources for quality, relevance, coverage, stability, availability, and suitability for modeling use
• Lead exploratory and advanced analysis of new and existing data sources, quantify their potential incremental value, and develop recommendations for modeling and ongoing use
• Design, develop, test, and refine features for modeling consumption to improve predictive performance, explainability, stability, and business value

Analyze model performance, identify emerging trends or deterioration, investigate underlying drivers, and recommend timely enhancements or remediation actions in partnership with the Modeling CoE

Collaborate closely with business analytics teams, the Modeling CoE, technology partners, data providers, and external vendors to align data and model solutions with business needs, technical standards, and delivery expectations

Communicate complex analytical findings, tradeoffs, and recommendations clearly to technical and nontechnical audiences, including senior stakeholders

Provide technical leadership, exercise independent judgment, navigate ambiguity, and drive complex initiatives from problem definition through implementation

Required Qualifications:

7+ years of data science experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Master's degree or higher in a quantitative discipline such as mathematics, statistics, engineering, physics, economics, or computer science

Desired Qualifications:

• Advanced proficiency with SQL and intermediate or advanced proficiency with Python
• Experience in consumer lending analytics, with a strong preference for Cards experience across areas such as marketing, acquisition, risk, or portfolio management
• Experience leading business requirements, implementation, monitoring, or enhancement of machine learning models supporting Cards, Personal Loans, or other consumer lending products

Experience translating business strategies and complex business problems into modeling requirements, analytical approaches, data needs, and measurable outcomes, while partnering with data scientists across the model lifecycle

• Demonstrated ability to assess model performance, diagnose drivers of change, and translate findings into practical recommendations
• Strong understanding of model development practices, data quality, model governance, and controls
• Experience evaluating large, complex internal and external data sources, including data quality, coverage, stability, and incremental predictive value
• Experience designing and engineering high-value features for model development and production use

Experience conducting advanced analytics in large-scale data environments, including sourcing, manipulating, and analyzing complex datasets to identify meaningful insights and inform business recommendations

Experience using GitHub Copilot to accelerate coding, documentation, testing, or analytical workflows

Demonstrated ability to independently lead complex analytical initiatives, navigate ambiguity, manage competing priorities, and drive an agenda across business, analytics, modeling, technology, and data partners

Excellent written and verbal communication skills, with the ability to translate complex modeling and analytical concepts for technical and nontechnical audiences and influence senior stakeholders

Strong business acumen with the ability to connect modeling and analytical decisions to customer, marketing, risk, and business outcomes

Job Expectations:

• Ability to travel up to 5% of the time
• This position is not eligible for Visa sponsorship
• This position offers a hybrid work schedule

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

Locations:

2200 Concord Pike, Wilmington, DE 19803

Required locations listed above.  Relocation assistance is not available for this position.

Posting End Date:

31 Oct 2026 *Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

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.