Senior Data Science Consultant, Cards and Personal Loans Decision Sciences

About this role: Wells Fargo Credit Cards is seeking a Senior Data Science Consultant to support analytical work for marketing models supporting Personal Loans products. Working as part of a project team the consultant will complete defined analytical and modeling-support assignments, translate established business needs into technical tasks, evaluate internal and external data, and develop features for modeling consumption. The role is expected to apply sound judgment within a defined scope, work independently on assigned deliverables, and seek guidance for more complex tasks. Learn more about the career areas and business divisions at wellsfargojobs.com. In this role, you will: Support machine learning models for Cards and Personal Loans products by completing assigned analyses and model-lifecycle activities within defined objectives, timelines, and quality standards Partner with team members and stakeholders to clarify requirements, document assumptions, and translate defined business questions into analytical tasks and measurable deliverables Collaborate with data scientists in the Modeling Center of Excellence (CoE) to provide business context, prepare data and features, review results, and support model enhancements Evaluate internal and external data sources for quality, relevance, coverage, stability, availability, and suitability for assigned modeling use cases Conduct exploratory analysis of new data sources, summarize findings, and contribute to recommendations regarding potential modeling value and use Design, develop, test, and document features for modeling consumption using established methods and standards Monitor and analyze model performance, investigate identified trends or changes, and escalate material findings to senior team members Prepare reproducible analyses, code, documentation, and quality-control evidence in accordance with model governance, data management, and risk requirements Coordinate with business analytics teams, Modeling CoE data scientists, technology partners, data providers, and vendors to complete assigned project activities Communicate analytical methods, findings, risks, and recommendations clearly to project team members and business partners, incorporating feedback and guidance as needed Required Qualifications: 4+ 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: Experience in consumer lending analytics, with a preference for experience supporting Personal Loans, Cards, or other consumer lending products Proficiency with SQL and Python for data preparation, analysis, feature development, testing, and analytical workflows Experience supporting machine learning models for consumer lending use cases Working knowledge of supervised learning methods, model evaluation techniques, feature engineering, and common performance metrics Experience assessing model performance, investigating drivers of change, and summarizing findings for review Working knowledge of data quality, model development practices, model governance, testing, and controls Experience working with large internal or external data sources, including evaluating data quality and potential predictive value and developing features for model use Experience using GitHub Copilot or similar approved tools to support coding, documentation, testing, or analytical workflows Ability to manage assigned priorities, meet milestones, identify dependencies, and raise risks or questions promptly Strong written and verbal communication skills, including the ability to explain analytical methods and findings to technical and nontechnical partners Structured problem-solving skills, attention to detail, and commitment to producing accurate, reproducible work 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 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. Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.1 trillion in assets. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. 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