Senior Product Manager – Unsecured Lending Operations, Product & Transformation

Wells Fargo

. 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 .

Posted 10/28/2026full-timeCharlotte • North Carolina • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in Product Management and Business Analysis, with a strong focus on leading cross-functional initiatives in regulated environments. Proficient in Agile methodologies, stakeholder communication, and driving product strategy and delivery outcomes.

Highest-signal resume keywords

Product ManagementAgile MethodologiesStakeholder ManagementBusiness AnalysisAI/ML Concepts

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Product DeliveryBusiness Requirements DefinitionProcess FlowsUser StoriesAcceptance CriteriaOperational WorkflowsRisk ManagementDecisioning LogicTransformation InitiativesFinancial Services

Soft Skills

Analytical SkillsProblem-SolvingCommunication SkillsInfluencing SkillsExecutive Communication

Tools & Technologies

JiraConfluenceOctaneAzure DevOpsALM

Industry Keywords

CollectionsRecoveryUnsecured LendingFinancial ServicesOperational Implementation

Tech Stack

Tools & technologies

Azure

About the role

Key responsibilities & impact

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 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
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
Identify and manage risks, dependencies, assumptions, and execution challenges while providing fact-based recommendations
Influence prioritization and product investment decisions by evaluating customer, operational, financial, technology, 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, production validation, and post-implementation verification activities
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
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

Requirements

What you’ll need

5+ years of Product Management, Product Delivery, Business Analysis, Business Execution, Operations, Strategic Initiatives, Technology Delivery, or related experience
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
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
Must be available to work on-site at the stated location identified in the job opening
Ability to support occasional non-traditional business hours for release validation, production readiness reviews, production validation activities, global team coordination, and critical implementation activities

Benefits

Comp & perks

Hybrid work schedule
Ability to travel up to 10% of the time
Equal opportunity employment
Medical accommodation support during the application or interview process
Drug-free workplace