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Tresa Joseph

@tresajoseph

Data Science Manager at Wells Fargo India who built Consumer Lending’s proactive analytics capability, delivering ~$25M in cost avoidance.

India

Message

At Wells Fargo India, I built Consumer Lending’s first proactive analytics and decision science capability, delivering ~$25M in cost avoidance and reducing remediation inflow by 60%+. I hired and mentored three teams of data science and analytics professionals and tied models to measurable business outcomes.

I set technical direction and ran concurrent workstreams with Risk and Remediation partners, cutting analysis turnaround from 180–200 days to about 60. I’ve also applied price elasticity modeling, Agentic AI, Generative AI, anomaly detection, and NLP to support pricing decisions, efficiency, and customer insights.

Experience

Work history, roles, and key accomplishments

Current

Data Science Manager

Current

Wells Fargo India

Jul 2023 - Present (3 years 3 months)

Led Consumer Lending's first proactive analytics and decision science capability, delivering ~$25M in cost avoidance and a 60%+ reduction in remediation inflow. Set technical direction and ran program execution across concurrent workstreams, cutting analysis turnaround from 180-200 days to ~60 days.

Senior Analytics Consultant & Data Management Analyst

Wells Fargo India

Jan 2021 - Jul 2023 (2 years 6 months)

Established and led the Data Transformation and Enablement team across Home Lending Originations and Servicing, building data pipelines and automated data-quality controls to fix fragmented data and reporting gaps. Supported remediation planning by analyzing derivatives and investments data and managing metadata, lineage, and data quality.

Data Pipelines Data Quality Metadata Lineage SQL Ab Initio Informatica ETL Data Governance

Application Systems Engineer

Wells Fargo India & Infosys Limited

Sep 2010 - Dec 2015 (5 years 3 months)

Delivered end-to-end Ab Initio and SQL data solutions across Consumer Lending and Credit Risk, from requirements and design through deployment and production support. Strengthened audit readiness through KPMG walkthroughs and technical documentation.

Ab Initio SQL ETL Data Solutions Consumer Lending Credit Risk Technical Documentation