Senior Product Manager – Unsecured Lending Operations Product & Transformation

Wells Fargo•Wilmington, DE

22h•Hybrid

About The Position

Wells Fargo is seeking a Senior Product Manager to join the Product and Transformation team within Unsecured Lending Operations, with a primary focus on Collections and Recovery across the Assist and Recovery domains. The role helps define, prioritize, deliver, and optimize product capabilities that improve customer outcomes, operational efficiency, risk management, and business performance across the Collections and Recovery lifecycle. The Senior Product Manager partners across Product, Technology, Operations, Data Science, Risk, Compliance, Legal, and Control teams to identify opportunities, shape solutions, prepare for execution, and influence product investment and roadmap decisions. The position supports strategic transformation initiatives, including AI/ML-enabled payment assistance, recovery modernization, digital self-service capabilities, and operational process improvements. The role contributes throughout the product lifecycle, from discovery and business case development through delivery, validation, adoption, and continuous improvement. Success requires analytical thinking, product management expertise, stakeholder leadership, and the ability to translate complex business needs into scalable solutions while balancing customer experience, operational effectiveness, regulatory obligations, and business outcomes. The position has a hybrid schedule, requires working onsite at a stated job location, may require travel up to 10%, and may occasionally involve non-traditional business hours for release validation, production readiness, global coordination, and critical implementation activities.

Requirements

At least 5 years of Product Management, Product Delivery, Business Analysis, Business Execution, Operations, Strategic Initiatives, Technology Delivery, or related experience, demonstrated through work experience, training, military experience, or education.
At least 3 years of experience leading complex cross-functional initiatives in a highly regulated environment.
Experience influencing product decisions, prioritization, roadmap planning, or delivery outcomes across multiple stakeholder groups.
Strong analytical, problem-solving, communication, and stakeholder management skills.
Ability to influence without direct authority and drive alignment across a complex matrixed organization.
Strong executive communication skills, including experience presenting recommendations, risks, and business outcomes to senior leadership.
Must be available to work onsite at the stated location identified in the job opening.
Ability to travel up to 10% of the time.
Ability to support occasional non-traditional business hours for release validation, production readiness reviews, production validation, global team coordination, and critical implementation activities.

Nice To Haves

Experience in unsecured lending, collections, recovery, financial services, servicing, or operations environments.
Experience supporting product strategy, roadmap development, business case creation, prioritization decisions, and value realization.
Experience decomposing epics into features and user stories, and defining business requirements, process flows, acceptance criteria, and delivery-ready work.
Experience defining requirements, user stories, process flows, operating models, and acceptance criteria for technology-enabled solutions.
Experience leading or supporting large-scale transformation, modernization, automation, AI/ML, or digital experience initiatives.
Experience evaluating customer, operational, financial, and risk impacts to support product recommendations and investment decisions.
Experience influencing prioritization, roadmap planning, investment decisions, and tradeoff discussions across multiple stakeholders and competing business objectives.
Experience with Agile product delivery methodologies and tools such as Jira, Confluence, Octane, Azure DevOps, or ALM.
Experience collaborating with Product, Technology, Operations, Analytics, Data Science, Risk, Compliance, Legal, and Control organizations.
Knowledge of AI/ML concepts, model governance, decisioning frameworks, operational implementation considerations, and responsible AI practices.

Responsibilities

Partner with Domain Leads, Technology teams, Operations leaders, Data Scientists, Risk, Compliance, Legal, and Controls to define product needs, align priorities, and drive business outcomes across the Collections and Recovery portfolio.
Align roadmaps, coordinate dependencies, resolve tradeoffs, and deliver integrated customer and operational outcomes with Product Owners and Product Managers across domains.
Translate business objectives into delivery work by decomposing epics into features and user stories, defining business requirements, process flows, acceptance criteria, and success measures, and ensuring work is ready for execution.
Drive end-to-end product readiness by evaluating customer journeys, operational workflows, decisioning logic, controls, integrations, reporting requirements, and downstream impacts.
Lead product discovery and analysis to identify opportunities, define business and customer needs, evaluate alternatives, and recommend product strategy, roadmap priorities, and delivery decisions.
Identify and manage risks, dependencies, assumptions, and execution challenges, and provide fact-based recommendations to leadership and stakeholders.
Influence prioritization across initiatives and stakeholders by assessing customer, operational, financial, technology, and risk tradeoffs.
Influence product investment decisions by evaluating business value, operational impacts, customer experience, implementation complexity, and risk tradeoffs.
Support AI/ML initiatives by evaluating use cases, business requirements, model outputs, decisioning logic, operational impacts, governance requirements, and performance outcomes.
Lead or support user acceptance testing, production validation, and post-implementation verification to confirm capabilities meet business requirements, customer needs, operational expectations, and control objectives.
Monitor product performance and operational outcomes to identify enhancements, improve adoption, and drive continuous improvement.
Establish and enhance product management, analysis, testing, and governance practices to improve delivery quality, scalability, and organizational effectiveness.
Communicate product priorities, progress, risks, recommendations, and business outcomes to senior leaders and cross-functional stakeholders.
Provide thought leadership and guidance to product analysts, testing resources, and cross-functional partners while helping mature product management practices across Unsecured Lending Operations.
Support the company's applicable risk programs and comply with relevant policies and procedures, including escalating and remediating issues and making sound risk decisions.
Work onsite at a stated location, travel up to 10% of the time, and support occasional non-traditional business hours for specified delivery and implementation activities.