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Wells Fargo Logo Wells Fargo · IT - Software Development

Lead Product Manager - Cash Flow Management

United States, Charlotte 119000.00 - 187000.00 USD / Year · Job Posted June 04, 2026

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Job Description

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.

Job Responsibility

  • 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

Requirements

  • 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
  • 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

What we offer

  • 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
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