Senior Lead Product Manager, Personal Loans Strategy

Wells Fargo Bank•Wilmington, DE

4d•Hybrid

About The Position

Wells Fargo’s Consumer Lending businesses 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 Lending provides important credit products and services that help our customers succeed. The group includes Home Lending; Auto; Personal Loans, Cards, Retail and Merchant Services. Within Consumer Lending, the Personal Loans and Line team leads Personal Loans, Lines, and Flex Loans, with a focus on product innovation, pricing, and portfolio performance. This Senior Lead Product Manager role will drive product strategy and business performance through data-driven analysis, financial evaluation, and strategic planning. The individual will leverage portfolio performance insights, forecasting, lending economics, and market dynamics to identify opportunities, develop business recommendations, and influence product and portfolio decisions across a highly matrixed organization. Learn more about the career areas and business divisions at wellsfargojobs.com.

Requirements

7+ years of Product Management, product development, strategic planning, process management, change delivery, or agile product owner experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Nice To Haves

7+ years of experience in P&L management, pricing, product management, credit risk, or finance in financial services
In-depth experience in lending product management with P&L responsibilities, preferably within consumer lending personal loans
Knowledge and understanding of lending strategies and methodologies, and key performance drivers
Strong financial and quantitative analysis skills to help maximize performance metrics linked to lending P&L
Strong analytical skills, including segmenting performance, conducting funnel analytics, and deriving insights from large datasets
Demonstrated ability to use data, competitive insights, and cost‑benefit analysis to drive decisions in cross‑functional, matrixed environments
Experience performing forecasting, performance evaluations, and actual versus forecast analysis to identify drivers, risks, and opportunities and inform strategic recommendations
Experience extracting, analyzing, and synthesizing data to develop business insights and recommendations; experience with SAS, SQL, Python, or similar analytical tools preferred
Strategic thinker with demonstrated ability to structure ambiguous problems and develop actionable, insight‑driven recommendations
Experience building strong relationships, influencing without authority, and collaborating effectively across multiple lines of business in complex, matrixed environments
Exceptional communication skills, including the ability to build executive‑ready presentations that translate complex analysis into clear, compelling insights
Results‑driven, highly organized and adaptable, skilled at prioritizing and delivering results in fast-paced, dynamic settings
Consulting experience (internal or external) strongly preferred
Master’s Degree, MBA or higher preferred

Responsibilities

Advise experienced leadership to develop or influence business plans, business requirements, direct product design and implementation for complex business and technical needs
Identify actionable insights through portfolio, product, and business performance analysis; develop business cases, conduct cost-benefit analyses, and evaluate strategic opportunities to support growth initiatives and investment decisions
Perform forecasting, performance evaluations, and actual versus forecast analysis to identify key drivers, risks, opportunities, and recommendations that improve product and portfolio outcomes
Oversee overall product management and strategic focus for the lending products and services
Lead the strategy and resolution of complex and unique challenges requiring in-depth understanding of potential synergies, opportunities companywide
Deliver solutions that are long-term, large scale, and require consideration of global market dynamics, trends, regulatory impact, and risk management
Provide vision, direction and expertise to leadership on implementing innovative and significant business solutions that are strategically focused for the personal loans product lines
Articulate product vision, define scope, establish goals, and provide direction for teams to design, develop, and deliver technology and processes for updating, upgrading technologies and vendor relationships
Engage with leaders, stakeholders, subject matter experts across marketing, finance, credit risk, legal, and product development
Serve as an adept advisor to leadership