Senior Lead Business Credit Specialist - Auto Originations

About this role:

Wells Fargo is seeking a Senior Lead Business Credit Specialist to provide strategic leadership for Auto Originations Credit Strategy. In this role, you will be responsible for developing, implementing, monitoring, and governing credit strategies that support profitable growth while maintaining a strong risk and control environment. Responsibilities include credit strategy, automated decisioning, credit expansion initiatives, portfolio performance monitoring, and strategy governance.

This individual will establish strategic priorities, lead complex analytical work, develop recommendations, and ensure that credit strategies are effectively designed, approved, implemented, and monitored. The role requires deep credit risk expertise, advanced analytical judgment, and the ability to translate complex findings into clear strategic direction.

This individual will work closely with senior leaders and partners across Risk, Product, Operations, Fraud, Compliance, Legal, and other business functions to deliver sustainable business outcomes.

In this role, you will:

Provide senior-level expertise for credit strategy, underwriting strategy, automated decisioning, credit expansion initiatives, portfolio analytics, performance monitoring, and governance across the indirect auto lending portfolio

• Establish strategic priorities and independently lead high-impact business, credit risk, and control initiatives
• Develop, test, implement, and monitor credit, underwriting, and automated decisioning strategies
• Lead complex analyses of portfolio performance, application trends, approval outcomes, customer behavior, operational impacts, and emerging risks
• Produce and critically review analytical evaluations, business recommendations, monitoring frameworks, and executive-level materials
• Build and maintain relationships with senior leaders and partners across Product, Operations, Fraud, Compliance, Legal, Risk, and other business functions
• Develop and maintain effective policies, procedures, business requirements, monitoring frameworks, and governance documentation
• Communicate portfolio insights, emerging risks, strategic recommendations, and business outcomes to senior leaders and governance forums
• Promote sound risk management, accountability, collaboration, innovation, and continuous improvement

Required Qualifications:

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

Desired Qualifications:

• Extensive experience in credit risk, lending strategy, underwriting, consumer finance analytics, or related disciplines
• Demonstrated experience leading complex initiatives, influencing cross-functional partners, and providing subject-matter expertise
• Advanced knowledge of credit risk management, portfolio performance, strategy development, implementation, monitoring, and governance
• Demonstrated ability to lead complex, cross-functional initiatives from strategy development through implementation and performance monitoring
• Experience evaluating complex analytical findings and translating them into clear strategic recommendations and business decisions
• Proven ability to influence senior leaders and build effective partnerships across Product, Technology, Operations, Fraud, Compliance, Legal, and Risk
• Knowledge of SAS, SQL, Python, or similar analytical tools, with the ability to effectively challenge analytical methodologies, assumptions, and conclusions
• Strong consulting, mentoring, and stakeholder-management capabilities, including the ability to provide technical guidance and influence outcomes
• Demonstrated sound judgment, executive presence, accountability, and the ability to manage multiple complex priorities in a changing environment

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

Posting Locations:

Charlotte, NC - 550 S. Tryon St.

Irving, TX - 401 Las Colinas Blvd.

Chandler, AZ – 2800 S. Price Rd

Posting End Date:

23 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.