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The Role
Lead product strategy for Point-of-Sale Financing: define roadmap, identify growth opportunities, conduct market and portfolio analysis, build business cases, influence cross-functional stakeholders, and optimize P&L and customer/merchant experiences to drive portfolio growth.
Summary Generated by Built In
Wells Fargo is seeking a Lead Product Strategy Manager to join the Retail Services team within Consumer Banking & Lending (CBL). This is a product strategy leadership role focused on defining and evolving the Point-of-Sale Financing value proposition, product roadmap, merchant offering strategy, customer experience, and long-term portfolio growth. The role requires deep understanding of consumer lending, competitive dynamics, customer needs, customer journeys, product capabilities, and portfolio economics to identify and drive new growth opportunities. Successful candidates will be able to connect business strategy with customer experience and platform capabilities to develop innovative financing solutions that deliver value to consumers, merchants, and the business.
About this role:
This role is ideal for candidates with experience in product strategy, consumer lending, payments, cards, BNPL, retail financing, or adjacent financial services businesses who enjoy identifying market opportunities, evaluating customer journeys and product capabilities, developing business cases, influencing product direction, and driving growth through partnerships and innovation. This role is not primarily focused on agile delivery, backlog management, or technology execution.
Wells Fargo's Consumer Banking & Lending businesses (CBL) 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 Banking & Lending provides important credit products and services that help our customers succeed. Within Consumer Banking & Lending, the Retail Services team is responsible for Private Label Credit Cards and Point of Sale Financing. The Product Management team focused on product innovation, pricing, and portfolio financial performance. Learn more about the career areas and business divisions at wellsfargojobs.com.
In this role, you will:
26 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.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
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 role:
This role is ideal for candidates with experience in product strategy, consumer lending, payments, cards, BNPL, retail financing, or adjacent financial services businesses who enjoy identifying market opportunities, evaluating customer journeys and product capabilities, developing business cases, influencing product direction, and driving growth through partnerships and innovation. This role is not primarily focused on agile delivery, backlog management, or technology execution.
Wells Fargo's Consumer Banking & Lending businesses (CBL) 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 Banking & Lending provides important credit products and services that help our customers succeed. Within Consumer Banking & Lending, the Retail Services team is responsible for Private Label Credit Cards and Point of Sale Financing. The Product Management team focused on product innovation, pricing, and portfolio financial performance. Learn more about the career areas and business divisions at wellsfargojobs.com.
In this role, you will:
- Define and evolve the long-term product strategy for Point-of-Sale Financing capabilities and use cases.
- Identify opportunities for portfolio growth through new customer experiences, product capabilities, merchant propositions, pricing strategies, and partnership models.
- Conduct market, industry, competitive, and consumer research to identify emerging trends and inform strategic priorities.
- Partner with Relationship Management teams to understand merchant needs and translate those insights into product strategy and roadmap recommendations.
- Develop business cases and assess financial impact of new product features, capabilities, and investments.
- Use consumer, merchant, and portfolio analytics to identify opportunities to improve acquisition, engagement, profitability, and retention.
- Influence cross-functional stakeholders across Sales, Finance, Risk, Analytics, Technology, Operations, Legal, and Compliance to execute strategic initiatives.
- Monitor key portfolio performance indicators and recommend actions to improve growth and profitability.
- Identify growth and expense optimization opportunities across all P&L levers, helping to drive and implement those opportunities in collaboration with cross functional teams
- 5+ years of Product Management, product development, strategic planning, process management, change delivery experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- Experience developing product strategy for consumer lending, credit card, BNPL, POS financing, installment lending, payments, or related financial services products.
- Experience conducting competitive analysis, market assessments, and opportunity sizing to inform product investment decisions.
- Ability to evaluate customer journeys, product capabilities, and supporting technology ecosystems to identify opportunities, shape product strategy, and influence future product investments.
- Experience managing or influencing product P&L, portfolio economics, pricing strategy, or business performance outcomes.
- Experience using data and analytical tools (e.g., Excel) to evaluate business performance, assess opportunities, and inform product strategy and investment decisions.
- Experience partnering with sales, relationship management, or business development teams to identify and support growth opportunities.
- Experience building executive-level presentations, strategic recommendations, and business cases.
- Experience translating consumer, merchant, and market insights into product strategies and growth initiatives.
- Must be able to work on-site at the specified location.
- Must be able to work a hybrid work schedule
- Visa sponsorship is not available.
- Relocation assistance is not provided.
- Must reside within a commutable distance of the posting location
26 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.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
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 product management, product development, strategic planning, process management, change delivery experience, or equivalent
- Ability to develop business cases and assess financial impact of product features and investments
- Must be able to work on-site at the specified location
- Must be able to work a hybrid work schedule
- Must reside within a commutable distance of the posting location
- Experience developing product strategy for consumer lending, credit card, BNPL, POS financing, installment lending, payments, or related financial services products
- Experience conducting competitive analysis, market assessments, and opportunity sizing
- Experience managing or influencing product P&L, portfolio economics, and pricing strategy
- Experience using data and analytical tools (e.g., Excel) to evaluate business performance
- Experience building executive-level presentations, strategic recommendations, and business cases
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
