Senior Product Manager – Unsecured Lending Operations Product & Transformation

Senior Product Manager - Unsecured Lending Operations Product & Transformation
About this role
Wells Fargo is seeking a Senior Product Manager to join the Product and Transformation team within Unsecured Lending Operations (ULO), with primary focus on Collections and Recovery across the Assist and Recovery domains.
This role is responsible for helping 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 will partner across Product, Technology, Operations, Data Science, Risk, Compliance, Legal, and Control teams to identify opportunities, shape solutions, drive execution readiness, and influence product investment and roadmap decisions.
The role will support strategic transformation initiatives including AI/ML-enabled payment assistance, recovery modernization, digital self-service capabilities, and operational process improvements. This individual will contribute throughout the product lifecycle, from discovery and business case development through delivery, validation, adoption, and continuous improvement.
Success in this role requires strong 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.
In this role, you will

• Partner with Domain Leads, Technology teams, Operations leaders, Data Scientists, Risk, Compliance, Legal, and Controls to define product needs, align priorities, and drive delivery of business outcomes across the Collections and Recovery portfolio.
• Partner with Product Owners and Product Managers within and across domains to align roadmaps, coordinate dependencies, resolve tradeoffs, and deliver integrated customer and operational outcomes.
• Translate business objectives into actionable 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 efforts to identify opportunities, define business and customer needs, evaluate alternatives, and provide recommendations that inform product strategy, roadmap priorities, and delivery decisions.
• Identify and manage risks, dependencies, assumptions, and execution challenges while providing fact-based recommendations to leadership and stakeholders.
• Influence prioritization decisions across multiple initiatives and stakeholder groups by evaluating customer, operational, financial, technology, and risk tradeoffs to maximize business outcomes.
• Influence product investment decisions by assessing business value, operational impacts, customer experience considerations, implementation complexity, and risk tradeoffs.
• Support AI/ML-enabled initiatives through evaluation of use cases, business requirements, model outputs, decisioning logic, operational impacts, governance requirements, and performance outcomes.
• Lead or support user acceptance testing (UAT), production validation, and post-implementation verification activities as needed to confirm delivered capabilities meet business requirements, customer needs, operational expectations, and control objectives.
• Monitor product performance and operational outcomes to identify enhancement opportunities, improve adoption, and drive continuous improvement.
• Establish and enhance product management, analysis, testing, and governance practices that improve delivery quality, scalability, and organizational effectiveness.
• Communicate product priorities, progress, risks, recommendations, and business outcomes effectively 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 ULO.

Required Qualifications

• 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.
• 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.

Desired Qualifications

• 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, 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.
• 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.

Job Expectations

• Must be available to work on-site at the stated location identified in the job opening.
• Ability to travel up to 10% of the time.
• This position offers a hybrid work schedule.
• Ability to support occasional non-traditional business hours for release validation, production readiness reviews, production validation activities, global team coordination, and critical implementation activities.

Job Locations

• 1525 W WT Harris Blvd, Charlotte, NC
• 2200 Concord Pike, Wilmington, DE

Posting End Date:
1 Nov 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.
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