Own the end‑to‑end CLI strategy and roadmap for the Wells Fargo Branded Credit Card business, including proactive line assignment, expansion, and reallocation, aligned to responsible growth, profitability, and risk appetite
Lead proactive and trigger‑based CLI programs, leveraging data‑driven decisioning to optimize eligibility, timing, and line amount recommendations
Oversee customer‑requested CLI and line reallocation decisioning, ensuring consistent policies, strong customer experience, and sound credit outcomes
Design and execute test‑and‑learn experimentation across CLI strategies to evaluate impact on utilization, spend lift, losses, approval rates, and customer engagement
Continuously optimize CLI performance through rigorous program monitoring of key metrics including utilization, balance growth, losses, NPV, and customer experience indicators
Define policies, guardrails, and controls, ensuring alignment with risk frameworks, regulatory expectations, and governance standards
Influence senior leaders and key stakeholders through clear communication of insights, trade‑offs, and performance outcomes
Collaborate with cross‑functional teams to deliver scalable and compliant CLI capabilities and experience
Translate macro‑economic conditions and portfolio performance insights into actionable adjustments to credit line strategies and eligibility criteria
Ensure all regulatory, compliance, and business requirements are met for implemented CLI programs, including documentation, validation, and audit readiness
Manage resource allocation and prioritization across people and technology investments supporting the CLI roadmap
Lead and develop talent and high performing team, fostering a culture of strong risk discipline, experimentation, and continuous improvement
Requirements
10+ years of Product Management or leadership experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
4+ years of management or leadership experience
Credit Card and/or Payments industry experience, especially at multiple leading credit card issuers or payment providers
General manager experience in credit card businesses with direct P&L ownership for a business segment
Experience leading credit and lending risk functions within credit card businesses, with exposure across originations, customer management, fraud, and collections
Experience leading the launch and implementation of new products or capabilities, including large-scale platform integrations or technology transformations
Experience leading analytics and data-driven initiatives involving enterprise data infrastructure, including platforms, models, and monitoring capabilities
Expertise in multiple credit card segments (consumer across full risk spectrum, small business, commercial, partnerships/co-brands)
Strong conceptual thinking and ability to drive clarity in ambiguity while dealing with credit and operational problems
Demonstrated excellence in verbal and written communication, influencing senior leaders through concise, data-driven presentations and clear strategic storytelling
Strong understanding and application of risk management principles
Expertise in credit, product, and marketing data and analysis
Outstanding problem solving and decision-making skills based on analysis, rigorous logic, market and consumer dynamics, and operational assessments
A demonstrated focus on leading, coaching, mentoring and guiding team member development
Benefits
Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance