Lead Product Strategy Manager - Retail Financing

Wells Fargo is seeking a Lead Product Strategy Manager to join the Retail Services team within Consumer Banking & Lending (CBL). This is a product strategy leadership role focused on defining and evolving the Point-of-Sale Financing value proposition, product roadmap, merchant offering strategy, customer experience, and long-term portfolio growth. The role requires deep understanding of consumer lending, competitive dynamics, customer needs, customer journeys, product capabilities, and portfolio economics to identify and drive new growth opportunities. Successful candidates will be able to connect business strategy with customer experience and platform capabilities to develop innovative financing solutions that deliver value to consumers, merchants, and the business.About this role:This role is ideal for candidates with experience in product strategy, consumer lending, payments, cards, BNPL, retail financing, or adjacent financial services businesses who enjoy identifying market opportunities, evaluating customer journeys and product capabilities, developing business cases, influencing product direction, and driving growth through partnerships and innovation. This role is not primarily focused on agile delivery, backlog management, or technology execution.Wells Fargo’s Consumer Banking & Lending businesses (CBL) empower millions of customers to achieve their dreams every day. Whether it’s buying a home, purchasing a car, funding a significant purchase, or making important daily credit card purchases, Consumer Banking & Lending provides important credit products and services that help our customers succeed. Within Consumer Banking & Lending, the Retail Services team is responsible for Private Label Credit Cards and Point of Sale Financing. The Product Management team focused on product innovation, pricing, and portfolio financial performance. Learn more about the career areas and business divisions at wellsfargojobs.com.In this role, you will:Define and evolve the long-term product strategy for Point-of-Sale Financing capabilities and use cases.Identify opportunities for portfolio growth through new customer experiences, product capabilities, merchant propositions, pricing strategies, and partnership models.Conduct market, industry, competitive, and consumer research to identify emerging trends and inform strategic priorities.Partner with Relationship Management teams to understand merchant needs and translate those insights into product strategy and roadmap recommendations.Develop business cases and assess financial impact of new product features, capabilities, and investments.Use consumer, merchant, and portfolio analytics to identify opportunities to improve acquisition, engagement, profitability, and retention.Influence cross-functional stakeholders across Sales, Finance, Risk, Analytics, Technology, Operations, Legal, and Compliance to execute strategic initiatives.Monitor key portfolio performance indicators and recommend actions to improve growth and profitability.Identify growth and expense optimization opportunities across all P&L levers, helping to drive and implement those opportunities in collaboration with cross functional teamsRequired Qualifications:5+ years of Product Management, product development, strategic planning, process management, change delivery experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, educationDesired Qualifications:Experience developing product strategy for consumer lending, credit card, BNPL, POS financing, installment lending, payments, or related financial services products.Experience conducting competitive analysis, market assessments, and opportunity sizing to inform product investment decisions.Ability to evaluate customer journeys, product capabilities, and supporting technology ecosystems to identify opportunities, shape product strategy, and influence future product investments.Experience managing or influencing product P&L, portfolio economics, pricing strategy, or business performance outcomes.Experience using data and analytical tools (e.g., Excel) to evaluate business performance, assess opportunities, and inform product strategy and investment decisions.Experience partnering with sales, relationship management, or business development teams to identify and support growth opportunities.Experience building executive-level presentations, strategic recommendations, and business cases.Experience translating consumer, merchant, and market insights into product strategies and growth initiatives.Job Expectations:Must be able to work on-site at the specified location.Must be able to work a hybrid work scheduleVisa sponsorship is not available.Relocation assistance is not provided.Must reside within a commutable distance of the posting locationPosting End Date: 26 Aug 2026*Job posting may come down early due to volume of applicants.We Value Equal OpportunityWells 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 DisabilitiesTo request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.Drug and Alcohol PolicyWells 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.SummaryLocation: CHARLOTTE, NC; DES MOINES, IA; CHANDLER, AZType: Full time