Lead Digital Product Manager - Card and Personal Lending

Shape the Future of Card & Lending OffersAbout This OpportunityWells Fargo is seeking a Lead Digital Product Manager to help define and shape the future of Card and Lending Offers across our digital ecosystem.This role will lead product discovery efforts focused on how offers are configured, targeted, presented, accepted, and fulfilled across customer channels. The individual will play a critical role in defining the capabilities, operating models, and technology investments required to enable a modern, offer-led customer experience.This leader will drive cross-functional discovery across business, technology, data, analytics, operations, and risk partners to translate strategic objectives into well-defined product investments and scalable platform capabilities. The role requires strong product strategy skills, a systems-thinking mindset, technical fluency, and the ability to influence outcomes across a highly matrixed and regulated environment.What You'll DriveAs a Lead Digital Product Manager, you will help establish the vision, strategy, and foundational capabilities that enable personalized, scalable offer experiences across the customer lifecycle.You will:Product Strategy & DiscoveryLead product discovery initiatives focused on the end-to-end Offers ecosystem, including offer configuration, eligibility, targeting, personalization, presentment, acceptance, tracking, and fulfillment.Partner with business and technology leaders to define the future-state product strategy and roadmap for offer-led customer experiences across digital, branch, phone, and emerging channels.Translate business objectives, customer needs, and market opportunities into clear product visions, capability models, investment recommendations, and outcome-driven roadmaps.Facilitate structured discovery efforts to evaluate customer journeys, operating models, data requirements, technical enablers, risks, and dependency management.Platform Modernization & Capability DevelopmentIdentify opportunities to simplify, modernize, and consolidate offer capabilities, reducing duplication across channels, platforms, and lines of business.Collaborate closely with engineering, architecture, data, decision science, and design teams to define scalable platform capabilities that support both immediate business needs and long-term strategic goals.Shape requirements for core offer capabilities such as offer creation and management, eligibility and decisioning, offer orchestration, dynamic presentment, fulfillment, and measurement.Drive definition of experimentation and optimization capabilities, including A/B testing, multivariate testing, personalization, and intelligent offer decisioning.Cross-Functional Leadership & GovernancePartner with risk, compliance, legal, and governance teams to ensure solutions are designed with appropriate controls, transparency, auditability, and regulatory alignment.Influence prioritization of strategic investments by developing business cases, sequencing recommendations, discovery artifacts, and executive-level communications.Serve as a thought leader in modern product management, customer-centric design, and platform-based approaches to offer management and customer engagement.Technology & Architecture PartnershipApply technical fluency in APIs, event-driven architectures, data platforms, decisioning services, and digital channel integrations to effectively partner with engineering and architecture teams.Required Qualifications5+ years of digital product management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, educationThe Ideal CandidateThe successful candidate will bring a combination of strategic product leadership, customer-centric thinking, and technology acumen, with experience operating in large-scale, complex environments.Experience & LeadershipProven experience leading product strategy and discovery efforts for complex digital products, platforms, or customer ecosystems.Experience defining future-state capabilities and translating business strategies into scalable product roadmaps.Ability to navigate ambiguity and drive clarity across large, cross-functional organizations.Exceptional executive communication and stakeholder management skills.Domain ExpertiseStrong understanding of customer acquisition, marketing, offer management, personalization, decisioning, or customer engagement platforms.Experience operating in highly regulated industries and balancing innovation with risk and control requirements.Technical & Analytical StrengthsStrong analytical, problem-solving, and systems-thinking capabilities.Technical fluency with modern digital architectures, APIs, data ecosystems, and platform-based product models.Why This Role MattersThis role sits at the intersection of product, technology, customer engagement, and business strategy. The work will help define how offer experiences are delivered across channels while establishing the capabilities, decisioning frameworks, and platform foundations that support long-term digital transformation and customer growth initiatives.The opportunity is ideal for a product leader who enjoys solving complex problems, influencing large organizations, and building products and platforms that create measurable business and customer value.​Candidate will be expected to work onsite from one of the stated locations listed in the job posting on a hybrid schedule.VISA Sponsorship will not be supported by this role.Relocation will not be supported by this role.Pay RangeReflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities. $119,000.00 - $206,000.00Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.Health benefits401(k) PlanPaid time offDisability benefitsLife insurance, critical illness insurance, and accident insuranceParental leaveCritical caregiving leaveDiscounts and savingsCommuter benefitsTuition reimbursementScholarships for dependent childrenAdoption reimbursementPosting End Date:27 Sep 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.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: WILMINGTON, DE; DES MOINES, IA; CHARLOTTE, NCType: Full time