**About this role:**

Wells Fargo is seeking a Senior Lead Product Manager to join our product management team in Small and Business Banking Lending. This role will be a key leader on the Small and Business Banking product lending team and will be responsible for overall credit portfolio management of the small business lending portfolio. The Portfolio Manager will define our overall credit portfolio and pricing strategy, and work with internal business partners such as risk management, credit risk, analytics, product management and marketing to deliver and execute the strategy. The Lending Portfolio Manager will be expected to leverage internal and external industry data and trends to guide development of the strategy, as well as use economic environmental data.

Learn more about the career areas and lines of business at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/)

**In this role, you will:**

+ Develop strategies to maximize returns while minimizing risks associated with the unsecured and secured asset small business lending portfolios.

+ Work with internal business partners such as risk management, credit risk, analytics, product lending, pricing and marketing to deliver and execute the strategy.

+ Analyze the portfolio to monitor performance, assess risk and identify trends.

+ Analyze the products and returns to identify and implement pricing strategies

+ Develop strategies that drive healthy product usage and retention for existing customers.

+ Evaluate and mange risks associate with unsecured revolving LOC and develop strategies to mitigate losses.

+ Partner with compliance and account management to ensure that the portfolio is adhering to regulatory requirements and internal policies.

+ Prepare reports on portfolio performance for senior management and stakeholders.

**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:**

+ Consumer or small business credit product management

+ Credit experience- managing a credit lending portfolio from a product standpoint

+ Pricing experience – setting appropriate pricing and managing returns

+ Able to interpret data, define and request needed analytics and create data driven strategies

+ Experience with successfully consulting, influencing and partnering in matrixed environment

+ Expertise in turning strategy into an execution plan and driving execution

+ Excellent verbal, written, and interpersonal communication skills

+ Bachelor's degree, or equivalent, in Finance, Economics, Engineering or related business field

+ Minimum 5 years of work experience in related field

+ Expertise in use of Excel and business intelligence tools like Tableau and/or Power BI.

+ Strong analytical skills; ability to effectively communicate complex concepts to non-technical stakeholders

**Job Expectations:**

+ This position offers a hybrid work schedule.

+ This position is not eligible for Visa sponsorship.

**Locations:**

+ 401 S Tryon St Charlotte, NC

+ 1525 W WT Harris BLVD Charlotte, NC

+ 250 E John Carpenter Freeway Irving, TX

+ 550 S. 4th St Minneapolis, MN

+ 2600 S Price Rd Chandler, AZ

+ 11601 N Black Canyon HWY Phoenix, AZ

**Posting End Date:**

14 Mar 2025

**_*Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

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.

Candidates applying to job openings posted in US: 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.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-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.

**Req Number:** R-440934