Analytics and Pricing Analyst

Position: Analytics & Pricing Analyst Level 4 (WF Internal: Analytic Consultant 4, Job ID: aaaaaaa)
Location: San Francisco, CA, Concord, CA, DesMoines, Iowa, Charlotte, NC and Chester, PA.
Travel: Less than 25%
Line of Business: Wells Fargo Consumer Financial Services
Wells Fargo’s Consumer Lending Group (CLG) is an industry leader in supporting homeowners and consumers. We put customers at the center of all that we do. We make every decision – and design every product and service – with our customers in mind. If it’s not good for our customers, then it’s not good for Wells Fargo.
It starts with you. We must attract, develop, retain and motivate the most talented people – those who care and who work together as partners across business units and functions. We believe everyone on our team is important and deserves respect for who they are and how they contribute to our success.
The CLG team includes our home mortgage, home equity, consumer credit card, personal loans and lines, direct auto, dealer services and commercial auto, retail services and education financial services businesses.
Wells Fargo Consumer Financial Services includes Credit Card, Personal Lines & Loans, Direct Auto, and Rewards and Enhancement Services. It offers customers a variety of payment and consumer lending options.
Credit Cards & Lines and Loans includes product development, systems, operations and marketing for a variety of credit card & lines and loans products. On the credit card side we offer Secured, College, and Unsecured card products including American Express Propel World/EDS, Visa Cash Back, Visa Point Rewards, Visa Signature, and Visa Home Rebate credit cards. Personal Credit Management offers a portfolio of credit products that help customers with some of their most urgent financial needs. Our key products include debt pay-down solutions (unsecured loans), consumer credit lines (unsecured lines of credit), and financially secured loans and lines of credit.
Job Description
Wells Fargo Consumer Credit Card division’s Financial Analysis & Consulting team (FACT) is responsible for evaluating profitability of various consumer credit card products, strategic initiatives, population expansions, mail / digital / bank marketing campaigns, pricing constructs, etc., by balancing risk and reward through advanced financial cash flow modeling and analytical techniques.
We work very closely with business partners in Credit Card Product Management, Marketing, Risk Management, Customer Service, Collections, and Fraud to propose new business cases that are financially sound and incrementally profi. We are an integral part of the business decision making process that drives future business focus and growth.
This position will have regular responsibility for credit card analytics and is tasked to deliver world-class analytics insight, optimization, and pricing strategies to the business.
The role will entail providing leadership to identify and answer key strategic questions, and driving different aspects of determining profitability - including modeling, strategy recommendation, performance tracking, and ad hoc analysis - to ensure robust, ongoing profitability of all Credit Card Acquisitions initiatives.
Specifically, this position will be responsible for:
- Complex analysis to support management decision-making and strategic objectives
- Driving strategy recommendations and profitability reporting and analytics
- Prepare financial models/ business cases to support key business initiatives and sizing potential business opportunities
- Perform complex data mining and predictive modeling to analyzing portfolio trends
- Proposing and reviewing product line or service changes or expansions
- Packaging and presenting strategy and analytical support to partners
The successful candidate will need to have a strong understanding of the business strategy, financial analysis and credit risk in a Financial Services/ Banking domain.

Key Factors for Success:
- Must possess strong quantitative and analytic skills, and be comfor with ambiguity and constant change, yet able to set priorities and execute on projects/assigned deliverables
- Ability to logically structure analytical problems and use effective reasoning skills to evaluate financial opportunities/issues
- Strong business partnership and influencing skills
- Capable of communicating in in terms of big picture, but working with close attention to detail and accuracy
- Strong presentation skills
Basic Qualifications
8+ years reporting and analytical experience, or
A Masters degree in programs such as applied mathematics, statistics, engineering, physics, accounting, finance, economics or computer science, with 4+ years directly applicable work experience.
Minimum Qualifications
• Ability to program in SAS and analyze large datasets using the SAS software
• 6-8 years of increasing experience and responsibility in developing business strategy and providing complex financial analysis in a financial services industry, preferably in consumer credit
• Experience with creating and presenting business cases
• Hands-on expertise in driving data intensive analytical projects, portfolio analysis and consumer behavior analysis
• Advanced knowledge of MS Excel, Word & PowerPoint
• Demonstrated excellent written/verbal communications & presentation skills
Preferred Skills
• MBA or equivalent degree
• Previous experience in finance and/or risk management is preferred
• Experience with SQL, statistical packages, computational financial modeling and time series forecasting techniques