Lead Product Manager - Overdraft Services

About this role:

Wells Fargo is seeking a Lead Product Manager to define and advance the strategic vision for cash flow management solutions across Consumer and Business Deposits. In this role, you will lead the development and scaling of a portfolio of capabilities designed to help customers effectively manage liquidity, address short-term cash flow needs, and improve overall financial outcomes.

You will drive the delivery of innovative, customer-centric solutions—including overdraft services, real-time balance insights, and liquidity access features—while ensuring alignment with enterprise objectives, regulatory requirements, and risk management standards. As a Lead Product Manager on the team, you will shape value propositions, champion product innovation, and partner cross-functionally to deliver seamless, integrated experiences that balance growth, customer satisfaction, and operational excellence.

This role requires strong market insight, financial acumen, and the ability to influence across stakeholders to ensure solutions remain competitive, compliant, and responsive to evolving customer needs.

In this role, you will:

• Develop and own the strategic vision for cash flow management products and capabilities across consumer and business segments including but not limited to overdraft services

• Design and deliver solutions that enable customers to effectively manage day-to-day liquidity, including short-term funding, payment timing, and balance management tools

• Identify market trends, evolving customer needs, and competitive dynamics to inform product strategy and roadmap prioritization

• Partner with senior leadership to ensure alignment of product initiatives with broader business objectives and financial outcomes

• Lead end-to-end product development for new capabilities and enhancements across the cash flow management portfolio, including overdraft and related services

• Manage the full product lifecycle, from concept and design through launch and ongoing optimization

• Collaborate across deposits, technology, operations, risk, and marketing to deliver seamless, scalable, and compliant customer experiences

• Establish and manage financial performance targets, including revenue, loss management, and customer engagement metrics

• Conduct ongoing performance analysis to generate insights, identify risks, and drive continuous improvement opportunities

• Develop and refine pricing and policy strategies that balance customer value, market competitiveness, and risk considerations

• Serve as a trusted advisor to senior leadership on cash flow management strategy, performance, and innovation opportunities

Required Qualifications:

• 5+ years of Product Management, product development, strategic planning, process management, change delivery experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Strong understanding of core banking products, including deposit accounts, payments, liquidity management, and overdraft-related solutions

• Demonstrated experience in product strategy, financial analysis, and performance management within a complex, regulated environment

• Solid knowledge of applicable regulatory requirements and risk management considerations related to consumer banking products

• Ability to synthesize complex data into actionable insights and communicate effectively with senior leadership

• Proven experience managing product roadmaps from ideation through launch and ongoing optimization

• Track record of successfully leading cross-functional initiatives and delivering measurable results at scale

• Strong relationship management skills, with the ability to influence stakeholders and drive alignment across diverse teams

• High level of proficiency in leveraging data, metrics, and financial analysis to identify opportunities and solve complex business challenges

• Ability to assess market conditions and translate insights into innovative solutions that enhance customer experience and improve operational performance

Job Expectations:

• This position offers a hybrid work schedule.

• Ability to travel up to 5%.

• This position is not eligible for Visa Sponsorship

Posting Locations:

• 401 S Tryon St. – Charlotte, North Carolina

• 1525 West W.T. Harris Blvd, Charlotte, North Carolina

• 3075 Loyalty Circle, Columbus, Ohio

Required locations listed. 

Actual salary will depend on location, experience, and qualifications.

Please note: Job posting may come down early due to volume of applicants

Pay Range
 

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

• 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

Posting End Date:

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

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. 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.

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.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace.  Please see our 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.