Product Management Director, Card Authorizations and Payments

About this role:

Wells Fargo is seeking a Product Management Director, Authorizations & Payments to play a critical leadership role in transforming the Wells Fargo Consumer Credit Card business. This role focuses on defining, executing, and scaling authorization and payment strategies that enable customers to use their cards seamlessly in everyday moments, driving higher spend, deeper engagement, and consistently exceptional customer experience. Learn more about the career areas and business divisions at wellsfargojobs.com.

In this role, you will:

• 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

Required Qualifications:

• 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

Desired Qualifications:

• 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

Job Expectations:

• Ability to travel up to 20% of the time

• This position offers a hybrid work schedule

• This position is not eligible for Visa sponsorship

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

Locations:

• 2200 Concord Pike, Wilmington, DE 19803

• 550 S Tryon Charlotte, NC 28202

Required locations listed above.

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.