Principal Product Manager: Global Payments Risk & Decisioning

Coinflow; Chicago (IL); On-site; USD 175,000 - 225,000; Full time

Benefits offered by this job

Equity grant

Health benefits

401(k) plan

Flexible time off

Job summary

Coinflow is seeking a Principal Product Manager to own risk and decisioning across the platform—the systems that decide, in real time, which transactions we approve and on what terms. This is a high-ownership role with direct P&L consequences; you’ll own thresholds, models, and policies end-to-end, working with engineering, data science, finance, compliance, and the commercial team.

You’ll operate across 170+ countries, shaping loss economics, merchant visibility, and risk infrastructure to

Qualifications

• 7+ years of product management experience in a technically complex or regulated surface area.
• Experience with products where a wrong decision costs the company money — lending, BNPL, issuing, insurance, risk, or payments products where your employer carried the loss rather than passing it downstream
• Fluency with loss economics — reason about expected loss, unit economics, and how a policy change moves revenue and exposure
• Experience productizing models — shipped against precision/recall tradeoffs and production traffic
• Track record of shipping end-to-end, from ambiguous problem to production, without a roadmap handed to you
• Strong communication across technical and non-technical stakeholders — explaining risk posture to engineers, finance, and merchants

Responsibilities

• Own the approval-rate and loss-rate tradeoff — set the policy, defend the position, be accountable.
• Productize risk models — work with data science to turn models into decisioning products with thresholds and monitoring
• Build the loss economics view — partner with finance to understand exposure and translate into pricing and policy
• Ship merchant-facing risk product — decisioning transparency, controls, and reporting to reduce support load
• Evaluate and integrate risk infrastructure — assess signal providers, data sources, and vendors
• Make calls with incomplete data — decide and instrument to learn fast

Skills

Product management

Risk decisioning

Cross-functional collaboration

Data-informed decisions

Communication

Ownership mindset

Job description

Coinflow is seeking a Principal Product Manager to own risk and decisioning across the platform—the systems that decide, in real time, which transactions we approve and on what terms. This is a high-ownership role with direct P&L consequences; you’ll own thresholds, models, and policies end-to-end, working with engineering, data science, finance, compliance, and the commercial team.

You’ll operate across 170+ countries, shaping loss economics, merchant visibility, and risk infrastructure to