Director of Platform, Intelligence, and Innovation – Commercial Card

About this role:

The Director of Platform, Intelligence, and Innovation will be a key leader in shaping the future of our Commercial Card business, driving platform modernization, data-driven insights, automation, new product development, and strategic innovation. This leader will be responsible for advancing our technology ecosystem, optimizing data analytics capabilities, and identifying opportunities to enhance our commercial card offerings to meet evolving client needs.

The ideal candidate will have a strong background in commercial payments, new product development, data analytics, automation, and commercial card credit risk management within financial services. They will work cross-functionally to develop and execute a roadmap that enhances platform capabilities, improves decision-making through intelligence, and fosters innovation in product development and client experience.

In this role, you will:

• Manage and develop specialized teams of managers and professional individual contributors
• Analyze customer and results-oriented information
• Perform market research related to development and testing of services and products
• Identify opportunities and strategies for establishing pricing policies, distribution strategies, technical systems, and customer requirements
• Manage companywide efforts to align and coordinate distribution channels, systems requirements, product introduction, marketing, training, and ongoing product and service management
• Lead teams by making strategic decisions to resolve highly complex, unique, and critical product line issues to meet deliverables
• Interpret and develop range of new products or product lines and product life cycle management for functions with moderate to high complexity and risk
• Collaborate with and influence stakeholders, subject matter experts, project managers, and experienced leaders
• Manage allocation of people and financial resources for Product Management
• Develop and guide a culture of talent development to meet business objectives and strategy
   

Platform Strategy & Modernization

• Lead the strategy and execution of platform modernization efforts to enhance the scalability, security, and efficiency of our commercial card infrastructure.
• Partner with technology teams to define and implement enhancements that improve user experience, API connectivity, and integration with corporate treasury platforms.
• Drive automation and digitization initiatives to streamline internal processes, optimize operational efficiencies, and enhance the customer experience.

Intelligence, Data-Driven Insights & Credit Risk Management

• Develop and execute a strategy for leveraging data analytics, AI, and machine learning to improve portfolio performance, customer insights, risk assessment, and credit decisioning.
• Partner with finance, risk, and product teams to design and implement data models that support dynamic pricing, spend analytics, and credit risk evaluation.
• Establish key performance indicators (KPIs) to measure business impact and inform strategic decision-making.
• Work closely with credit risk management teams to enhance underwriting strategies, risk monitoring, and credit policies for commercial card clients.

New Product Development & Innovation

• Lead the end-to-end development of new commercial card products and features, from ideation to market launch.
• Identify emerging trends, technologies, and partnerships that can enhance the commercial card value proposition.
• Collaborate with FinTechs, networks, and industry partners to drive differentiated solutions and new revenue opportunities.
• Lead the development of pilot programs, proof-of-concepts, and innovation initiatives to test and scale new capabilities.
   

Required Qualifications:

• 10+ years of experience in commercial payments, new product development, financial services technology, data analytics, and credit risk management.
• Deep understanding of commercial card platforms, automation, data analytics, underwriting strategies, and digital transformation in banking.
• Proven track record of leading technology initiatives, data-driven decision-making, and innovation in a complex environment.
• Experience working with APIs, AI, machine learning, automation technologies, and digital payment solutions is a plus.

Desired Qualifications:

• Advanced degree preferred
   

Job Expectations:

• Ability to work on-site at approved location at least three days a week
• This position is not eligible for Visa sponsorship

San Francisco Pay Range: $173,300-$359,000.00 yearly

Pay Range
 

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$173,300.00 - $359,900.00

Posting End Date:

10 Apr 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.

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.