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The Role
Lead product discovery and strategy for card and lending offers across channels. Define capability models, roadmaps, and scalable platform requirements; partner with engineering, data, design, risk, and legal; drive experimentation, personalization, decisioning, and offer orchestration to enable modern, compliant, offer-led customer experiences.
Summary Generated by Built In
Shape the Future of Card & Lending Offers
About This Opportunity
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.
What You'll Drive
As 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 & Discovery
The 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 & Leadership
This 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 Range
Reflected 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 - $206,000.00
Benefits
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.
13 Aug 2026
* Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells 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 Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells 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.
#BI-Hybrid
About This Opportunity
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.
What You'll Drive
As 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 & Discovery
- 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.
- 5+ years of digital product management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
The 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 & Leadership
- 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.
This 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 Range
Reflected 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 - $206,000.00
Benefits
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 benefits
- 401(k) Plan
- Paid time off
- Disability benefits
- Life insurance, critical illness insurance, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
13 Aug 2026
* Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells 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 Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells 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.
#BI-Hybrid
Skills Required
- 5+ years of digital product management experience
- Proven experience leading product strategy and discovery for complex digital products or platforms
- Experience defining future-state capabilities, capability models, and scalable product roadmaps
- Technical fluency with APIs, event-driven architectures, data platforms, and decisioning services
- Experience with experimentation and optimization capabilities (A/B testing, multivariate testing) and personalization
- Experience operating in highly regulated industries and partnering with risk, compliance, and legal teams
- Strong analytical, systems-thinking, and problem-solving skills
- Exceptional executive communication and stakeholder management skills
- Ability to work onsite from stated locations on a hybrid schedule
Wells Fargo Compensation & Benefits Highlights
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Retirement Support — Retirement support is anchored by a dollar‑for‑dollar 401(k) match on employee contributions after one year of service, with an additional non‑matching company contribution for some lower‑paid employees. Access to an employee stock purchase plan further expands long‑term savings opportunities.
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Parental & Family Support — Family supports include up to 16 weeks of paid parental leave available from the first day of employment, plus paid critical‑caregiving leave and extensive backup care options. Fertility, adoption, and surrogacy programs are highlighted with meaningful coverage and reimbursements, including a combined lifetime maximum up to $35,000 for eligible expenses.
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Healthcare Strength — Health coverage is comprehensive from day one, spanning medical, dental, vision, mental health, prescriptions, and preventive care often fully covered in‑network. Employer cost‑sharing is emphasized alongside no‑cost counseling through the EAP within plan limits.
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The Company
What We Do
Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.2 trillion in assets. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 33 on Fortune’s 2025 rankings of America’s largest corporations. Our technology professionals drive innovation, information security, and big data analytics while maintaining a network that handles more than 12 billion customer interactions a year. Join us! Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader – we’re a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job – it’s about finding all of the elements to help you thrive, in one place. Living the Well Life means you’re supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You’ll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we’re recognized for it — Wells Fargo continues to rank on the LinkedIn Top Companies lists of best workplaces “to grow your career.” 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. © 2026 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.
Why Work With Us
We're known for our “Well Life” approach to supporting employees’ career aspirations, work-life balance, and mental and physical health. Wells Fargo continues to rank on the LinkedIn Top Companies lists of best workplaces “to grow your career.”
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Wells Fargo Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Typical time on-site:
3 days a week
