Product Management Director – Card Authorizations, Payments

Role Overview

• Define and own the strategy, vision, and roadmap for authorizations and payments capabilities, driving responsible growth, increased spend, customer engagement, and competitive advantage across Wells Fargo Cards
• Lead credit authorization strategies and rules optimization to improve approval rates, reduce customer friction, and enable spend across everyday and emerging payment scenarios
• Provide P&L oversight for payment and transaction treatments across key use cases, including but not limited to cash‑like transactions, crypto, merchant category strategies, and network or processor‑specific approaches
• Develop, test, analyze, and implement authorization and payment strategies using a disciplined test‑and‑learn approach to continuously improve spend growth and customer experience
• Partner closely with cross‑functional teams to deliver scalable authorization and payments solutions
• Collaborate with and influence stakeholders at all levels, including senior leadership, to align on strategy, success metrics, and future payments and authorization capabilities
• Ensure all initiatives meet regulatory and business requirements, supported by strong governance, controls, and documentation
• Develop and guide a culture of talent development, emphasizing customer‑centric design, data‑driven decisioning, and continuous optimization

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