About this role:Wells Fargo is seeking a Sr. Decision Science Manager to lead the development, governance, and continuous enhancement of financial valuation models and supporting tools for Branded Cards, Co-Brand Cards, Small Business Card, and Personal Lending portfolios.
This role sits at the intersection of advanced analytics, financial valuation, and risk governance, driving enterprise decision-making through state-of-the-art modeling frameworks built in Python. The leader will oversee model lifecycle management-from design through governance approval-and ensure models remain accurate, compliant, and aligned with evolving business and economic inputs.
In this role, you will:Model Development & Ownership
- Own end-to-end lifecycle of financial valuation models (design, development, validation support, implementation, monitoring).
- Lead migration and development of scalable valuation frameworks in Python-based environments.
- Incorporate key financial drivers including:
- Unit cost structures
- Corporate treasury rates / cost of funds
- Behavioral, credit, and macroeconomic assumptions
- Oversee models that support card & loan origination, line increase, pricing, business development and portfolio management strategies.
Model Risk Management & Governance
- Serve as primary interface with Model Risk Management (MRM) partners to:
- Secure model approvals and validations
- Support annual reviews and ongoing monitoring
- Maintain high-quality documentation and controls
- Ensure adherence to enterprise model governance standards across the entire model lifecycle (development, validation, implementation, monitoring).
Decision Science Platform Leadership
- Deliver valuation tools and analytical capabilities to partner teams across:
- Branded Cards
- Co-Brand Cards
- Credit Cards
- Personal Lending
- Standardize and productionize modeling frameworks to enable consistent, scalable decisioning across portfolios.
- Act as a technical thought leader, driving adoption of modern data, tooling, and modeling practices.
Innovation & Advanced Analytics
- Identify and deploy emerging AI/ML capabilities to improve model performance, automation, and scalability.
- Promote use of vectorized computation, scalable architectures, and model optimization techniques.
- Continuously benchmark and enhance modeling approaches to maintain best-in-class valuation capabilities.
Stakeholder Engagement & Influence
- Partner with Finance, Treasury, Risk, Product, and Strategy teams to:
- Align valuation frameworks with financial planning assumptions
- Translate analytics into clear, decision-ready insights
- Present model outputs, sensitivities, and trade-offs in executive forums and governance committees.
Technical Expertise- Advanced proficiency in Python
- Experience with:
- Large-scale data processing and model optimization
- Statistical / ML modeling techniques
- SQL, cloud or distributed compute environments (preferred)
- Strong understanding of cash flow-based valuation models and NPV frameworks
Model Governance & Risk- Hands-on experience working with Model Risk Management frameworks, including:
- Model approval and validation cycles
- Documentation and audit readiness
- Ongoing monitoring and annual reviews
Business & Leadership Skills- Strong understanding of consumer lending economics:
- Capital, Pricing, margins, cost of funds, credit losses, customer behavior
- Ability to translate complex analytics into:
- Strategic recommendations
- Quantified financial impact (e.g., NPV, ROA, margin uplift)
- Demonstrated leadership in:
- Managing teams or influencing cross-functional stakeholders
- Driving adoption of new tools and methodologies
Required Qualifications:- 7+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- 3+ years of management or leadership experience
Desired Qualifications:- 7+ years of experience in valuation modeling and risk analytics within a data-driven or financial services environment
- Master's degree or higher in a quantitative discipline such as mathematics, statistics, engineering, physics, economics, or computer science
- Deep experience in credit cards, unsecured lending, or personal lending portfolios
- Proven track record of owning and delivering financial valuations or forecasting models
- Combines deep technical expertise (Python, modeling) with strong financial and business judgment
- Operates effectively in regulated environments, balancing innovation with governance rigor
- Acts as a bridge between analytics, technology, and business strategy
- Drives measurable impact through, improved valuation accuracy, faster model deployment cycles, enhanced decision quality across portfolios
Job Expectations:- Ability to travel up to 25% of the time
- This position offers a hybrid work schedule
- Visa sponsorship is not available
Posting Locations:- 2200 Concord Pike, Wilmington, DE 19803
- 401 Las Colinas Blvd, Irving, TX 75039
Required locations listed above. Relocation assistance is not available for this position.
Posting End Date:18 Jun 2026
*Job posting may come down early due to volume of applicants. 
