Product Management Director – Credit Card Line Increase

Role Overview

• 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
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement