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  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 RdPosting End Date: 23 Oct 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…