1+ months

Credit Portfolio Consultant 2

Bengaluru, KA 560043
  • Job Code
Join a team playing a central role in the profitable growth of the Credit Card product supporting the Acquisitions Risk decisioning infrastructure. As a business rules developer, you will partner with Marketing, Risk, Project Management, Finance and Fulfillment to develop decision solutions that drive portfolio growth and profitability using Zoots WebRules. This role is a critical component to the (Software Development Lifecycle) SDLC in Risk.

This position will require you to familiarize yourself with credit policy, existing Credit Risk Decisioning rules and associated decisioning data. You will be a key contributor who will
  • Actively participate in project team meetings and proactively engage with key partners/stakeholders,
  • Design and develop effective & efficient credit risk business rule solutions,
  • Support project management methodologies in the software development lifecycle through the review and sign-off on project documentation, and
  • Provide research and problem resolution in an accurate and timely manner.

This role closely interacts internally across the credit organization with Consumer Lending Risk managers, technology teams, Fulfillment Operations, Credit Policy, Compliance and Legal to ensure that all requirements have been met in your systems solution design, as well as externally with Zoot, our decision system provider, the US credit bureaus and other external data providers. Your project participation should result in solution designs that are efficient and scalable, allow speed to market, and have the flexibility to handle both foreseen and unforeseen events. Using your solutions designs, you will deliver accurate code in a timely manner using Zoots WebRules platform.

To be considered, you will have demonstrated experience in developing business solutions using business rules software or an adaptive control system. To be successful you will need to
  • Leverage your knowledge of and dependencies between the decisioning systems, source data providers, business processes, and lending products platforms
  • Foster professional and effective working relationships with key partners/stakeholders
  • Maintain timely, consistent and professional communications
  • Support our project management methodology
  • Model a collaborative, communicative and positive work approach.

Basic Qualifications
  • 4 year undergraduate degree
  • 4 years consumer credit risk experience
  • Experience developing automated credit decisioning processes or Business Rules Management Systems

Preferred Qualifications
  • Consumer Credit and or Credit Risk experience
  • Proven working knowledge using an automated decisioning system such as ZOOT WebRules, Blaze, ACAPS, JRules or iLog, or other application processing and decisioning platforms (e.g. Provenir, Triad, Probe, Transact)
  • Strong verbal and written communication skills
  • Demonstrated record of developing creative and innovative solutions to common business problems
  • Experience working on cross-functional teams throughout the software development lifecycle
  • Drives for results, is aware of deadlines, meets commitments, able to respond effectively to shifting priorities
  • Builds relationships through collaboration and teamwork
  • Displays high integrity and honesty
  • Experience with US credit bureau data from Experian, Equifax and TransUnion
  • Investigative and inquisitive
  • Comfortable working both independently and as part of an analytic or cross-disciplined team
  • Solid understanding of and skill in project management methodology leveraging effective negotiation/influencing skills
  • Familiarity with various data marts such as SQL, Teradata or Oracle to enhance decisioning; experience coding in SAS or SQL is helpful


  • Financial Services
  • Marketing

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Credit Portfolio Consultant 2

Wells Fargo
Bengaluru, KA 560043

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Wells Fargo
Bengaluru, KA

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