Credit Card Finance - Senior Business Aligned Finance Analyst

About this role:

Wells Fargo is seeking a highly analytical Senior Business Aligned Finance Analyst to join the Branded Cards CFO team. The role will provide financial analysis, forecasting, new vintage economics, and performance insights for the Credit Card Rewards and Loyalty businesses

The analyst will partner with Branded Cards Originations, Product, Loyalty, Marketing, Account Management, Finance, Accounting, Analytics, and Technology teams to evaluate program performance, explain financial and customer-behavior drivers, identify risks and opportunities, and recommend actions that improve business outcomes.

The successful candidate will be intellectually curious, comfortable working independently with complex datasets, and able to translate ambiguous business questions and technical findings into clear financial insights and recommendations.

In this role, you will:

• Business insights and forecasting:
  • Analyze new originations profitability and growth economics.
  • Analyze channel and offer allocations, underwriting and approval strategies
  • Support product launches and acquisition investments
  • Analyze rewards performance, customer behavior, earn and redemption activity, promotional offers, and partner economics.
  • Connect operational and customer metrics to contra revenue, rewards liability, product profitability, and forecast outcomes.
  • Develop driver-based forecasts and scenario analyses for rewards contra revenue, cost per point, redemption behavior, and liabilities.
  • Provide actionable variance analysis against forecast, plan, and prior-year results.
  • Identify emerging risks and opportunities and present recommendations to business and finance leaders.
  • Develop business cases and measure results from program changes, promotions, and strategic investments.

• Data and analytical enablement:
  • Independently pull, combine, validate, and analyze data from multiple financial, customer, rewards, and operational systems.
  • Use SAS, SQL, Python, or similar tools for driver analysis, forecasting, customer-behavior analysis, and performance measurement.
  • Trace data through upstream and downstream systems to identify root causes of data-quality, reporting, or reconciliation issues.
  • Create scalable datasets, metrics, and analytical solutions that improve insight, forecast accuracy, and reporting efficiency.
  • Partner with Analytics and Technology teams to address data gaps and automate manual processes.

• Financial management and controls:
  • Support month-end close for rewards liabilities and contra revenue, including reconciliations, accruals, and financial reporting.
  • Partner with Accounting and Finance to ensure appropriate accounting treatment, accurate reporting, and effective controls.
  • Maintain clear documentation of forecast methodologies, assumptions, data sources, and reconciliations.
  • Prepare concise executive presentations and commentary explaining performance, implications, and recommended actions.
  • Identify opportunities to simplify or automate routine reporting while maintaining control and accuracy.

Required qualifications:

• 4+ years of Finance experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired qualifications:

• Experience working in Credit Card, Rewards, Loyalty, product-finance, or consumer-finance in financial services.

• Strong financial modeling, forecasting, problem-solving, root-cause-analysis, financial planning, and product performance.
• Experience independently pulling, validating, and analyzing complex datasets.
• Proficiency with SQL, SAS, Python, or similar analytical tools.
• Ability to translate complex analysis into concise recommendations and influence business decisions.
• Experience resolving data-quality and data-lineage issues across multiple systems.
• Bachelor’s degree or higher in Finance, Accounting, Economics, Analytics, Data Science, or a related field.
• Strong executive communication and business partnership skills.
• Advanced Excel and PowerPoint skills; experience with Essbase or comparable finance tools.
• Self-directed and highly motivated, demonstrating strong ownership and accountability while managing competing priorities and delivering results in a fast-paced environment
• Leadership experience with a focus on coaching, training, mentoring others, project management, initiative or development programs

Job Expectations:

• This position offers a hybrid work schedule from one of our: 2200 Concord Pike Wilmington, DE; 401 S. Tryon Street Charlotte, NC; 401 Las Colinas Blvd Irving, Tx and 800 S. Jordan Creek Pkwy West Des Moines, IA locations.
• Relocation assistance is not available for this position.
• This position is not eligible for Visa sponsorship.

Posting End Date:

*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.

c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.