Lead Digital Product Manager - Card and Personal Lending

Wells Fargo•Wilmington, DE

7d•$119,000 - $206,000•Hybrid

About The Position

Wells 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.

Requirements

5+ years of digital product management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Proven 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.
Strong 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.
Strong analytical, problem-solving, and systems-thinking capabilities.
Technical fluency with modern digital architectures, APIs, data ecosystems, and platform-based product models.

Responsibilities

Lead 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.
Identify 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.
Partner 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.
Apply technical fluency in APIs, event-driven architectures, data platforms, decisioning services, and digital channel integrations to effectively partner with engineering and architecture teams.