Principal Product Manager

Chime; San Francisco (CA); On-site; USD 255,000 - 290,000; Full time

Benefits offered by this job

Bonus eligibility

Equity package

Comprehensive benefits

Job summary

Chime is seeking a Principal Product Manager to lead Top of Funnel Lending. This platform role spans loans, credit cards, lines of credit, and future products, owning how members discover, register for, and get approved for credit.

You’ll set acquisition and conversion strategy across the lending portfolio, partner across Engineering, Design, Data Science, Risk, Operations, Legal, and Marketing, and drive end-to-end impact for growth.

Qualifications

• 11+ years of experience leading consumer product strategy and execution for high-impact digital products.
• Direct experience growing the top of funnel for lending products at a major consumer business with measurable results.
• Proven track record owning complex product areas with growth, monetization, or financial products.
• Experience working with credit bureaus, affiliates, and acquisition marketplaces.
• Experience building complex consumer financial platforms or fintech products.
• Strong product intuition backed by data, with prioritization and tradeoff skills.
• Excellent communication and stakeholder management across functions and execs.

Responsibilities

• Own the lending top-of-funnel strategy and roadmap end-to-end.
• Lead cross-functional collaboration with Engineering, Design, Data Science, Risk, Operations, Legal, Compliance, Marketing, and Finance.
• Define acquisition and channel strategy to optimize CAC.
• Build and scale registration flows and onboarding experiences for lending.
• Partner with Product Marketing to optimize channels and conversion.

Skills

Top of funnel lending

Cross-functional leadership

Data-driven decision making

Stakeholder management

Fintech product strategy

Excellent communication

Job description

About the role

We’re hiring a Principal Product Manager to lead Top of Funnel Lending at Chime. This is a platform role, not a single-product role: it spans every credit product we take top of the funnel for — loans, credit cards, lines of credit, and the products that come next. You’ll own how members discover, register for, and get approved for credit at Chime, setting acquisition and conversion strategy across the full lending portfolio and building the platform that every current and future lending product grows on top of. The opportunity here is enormous for Chime’s growth. It is bigger still for the millions of Americans looking for a fair source of liquidity — a little help getting past an unexpected expense, or a way out of bad debt. As our Principal Product Manager for Lending Top of Funnel, you’ll own the product end-to-end — from defining strategy and prioritizing investments to partnering across Engineering, Design, Data Science, Risk, Operations, Legal, Compliance, Marketing, and Finance to bring your vision to life. You’ll lead company-program-sized cross-functional efforts: building new registration flows into Chime; growing the funnel with credit bureaus, data rich affiliates, and other channels; partnering with Product Marketing to get sharp on channel optimization and CAC; and building the experiences that determine whether a member converts. This role reports to the Director of Product. The base salary offered for this role and level of experience will begin at $255,000 and up to $290,000. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience. In this role, you can expect to Own the strategy and roadmap for lending top of funnel end-to-end, across loans first, but additionally credit cards, lines of credit, and the credit products that come next.

To thrive in this role

To thrive in this role, you have 11+ years of experience leading consumer product strategy and execution for high-impact digital products from concept through scale. Direct experience growing the top of funnel for lending products — loans, credit cards, or lines of credit — at a major consumer business, with measurable results on application volume, conversion, and CAC. A proven track record of owning complex product areas with measurable business outcomes, ideally including growth, monetization, or financial products. Experience working with credit bureaus, affiliates, and acquisition marketplaces and partnering with Product Marketing on channel strategy. Experience building or managing complex consumer financial platforms, high-scale fintech products, or mission-critical decisioning systems. Experience making strategic product decisions in highly cross-functional environments with Engineering, Design, Analytics, Risk, and business partners. Strong product intuition backed by data, with the ability to prioritize effectively and make thoughtful tradeoffs. Experience building products that simplify complex customer problems and deliver exceptional user experiences. Excellent communication and stakeholder management skills, with the ability to influence across functions and executive audiences.

#LI-WS1

A little about us

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential. We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members. We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress. We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential. Because if we don't—who will? *Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

What we offer for our full-time, regular employees

Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates. Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees. Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life. Generous vacation policy and company-wide paid days off 1% of your time off to support local community organizations of your choice. Annual wellness stipend to use towards eligible wellness related expenses. Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents. Access to family planning reimbursement. A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team.

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.