Job Description

About this role:

Wells Fargo is seeking a Senior Lead Product Manager to lead the strategy, development, and modernization of Business Banking secured lending products, with a focus on commercial real estate-backed lending, underwriting, risk management, and transformation. This role will partner with Credit, Risk, Technology, and Business Banking leaders to drive product strategy, enhance customer and banker experiences, and deliver scalable solutions that support portfolio growth while maintaining strong credit quality and regulatory compliance.

The ideal candidate brings expertise in secured lending, credit policy, business banking, product strategy, financial analysis, risk management, Agile delivery, and technology roadmaps, along with the ability to lead complex cross-functional initiatives in a highly matrixed and regulated environment.

In this role, you will:

• Lead the strategic direction, vision, roadmap, and lifecycle management of business banking commercial real estate lending products.
• Develop and enhance products and features that support the credit and financing needs of Business Banking customers.
• Optimize customer experiences across account origination, servicing, and ongoing account management.
• Execute acquisition and growth strategies, including sales team engagement, communication plans, targeting strategies, and digital channel enhancements.
• Design and implement customer management programs that improve retention, engagement, and portfolio profitability.
• Develop pricing strategies, product policies, credit strategies and profitability management frameworks.
• Build business cases and financial analyses supporting product investments, modernization efforts, and new product opportunities.
• Partner with Product Heads and executive leadership to achieve strategic and growth objectives.
• Collaborate with Technology teams to establish and execute system roadmaps, including modernization and enhancement initiatives.
• Drive Agile and Design Thinking methodologies throughout the product development lifecycle.
• Define product requirements, prioritize backlogs, establish KPIs, and guide cross-functional teams through delivery.
• Partner with Data Architecture and Technology teams to improve data quality, reporting capabilities, and analytical insights across lending platforms.
• Support technology implementations that improve operational efficiency, scalability, and competitive positioning.
• Serve as a subject matter expert for commercial real estate lending products, ensuring product collateral, communications, and training materials are accurate, customer-focused, and compliant.
• Manage regulatory, compliance, and operational risks while supporting internal and external audits.

Required Qualifications:

• 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

Desired Qualifications:

• 4+ years of experience within financial services, banking, business banking, commercial banking, or lending products.
• Experience managing secured lending products and working closely with underwriting and credit functions.
• Strong understanding of regulatory and risk management requirements within banking and lending environments.
• Experience developing and executing product strategies, roadmaps, and product modernization initiatives.
• Knowledge of lending platforms, account origination systems, servicing platforms, and related technologies.
• Strong financial acumen with experience building business cases, profitability analyses, and investment recommendations.
• Experience partnering with data architecture, analytics, and technology teams to support product development and decision-making.
• Experience working with Agile teams and applying Design Thinking methodologies.
• Exceptional written, verbal, presentation, and stakeholder management skills.
• Demonstrated ability to lead cross-functional initiatives across Product, Technology, Risk, Operations, Marketing, and Finance.
• Experience with secured lending products including real estate-secured lending.
• Experience leading large-scale system transformation or technology modernization initiatives.
• Knowledge of lending compliance, regulatory frameworks, and audit processes.
• Experience managing vendor relationships and third-party technology solutions.
• Experience using customer insights, market analysis, and product performance metrics to drive product decisions.

Job Expectations:

• Hybrid work schedule
• Up to 10% travel
• This position is not eligible for visa sponsorship

Posting Locations:

• 401 S Tryon St., CHARLOTTE, NC 28202-1675
• 2222 W Rose Garden Ln., PHOENIX, AZ 85027
• 1810 Gateway Dr Ste 150, SAN MATEO, CA 94404
• 800 S Jordan Creek Pkwy., WEST DES MOINES, IA 50266

Pay Range:

• Phoenix, AZ $139,000 - 217,000
• Charlotte, NC $139,000 - 217,000
• Des Moines, IA $139,000 - 217,000
• San Francisco, CA $139,000 - 217,000

Actual salary will depend on location, experience, and qualifications.

Please note: Job posting may come down early due to volume of applicants.

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.

$139,000.00 - $260,000.00

Posting End Date:

30 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.