Principal Product Manager, Real-Time Payments Risk

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

Benefits offered by this job

Equity grant

Health benefits

401(k) savings plan

Flexible time off

Job summary

Coinflow is hiring a Principal Product Manager to own risk and decisioning across the platform. You will shape real-time approval logic and loss economics, impacting transactions across 170+ countries and a multi-billion-dollar run rate.

You’ll partner with engineering, data science, finance, compliance, and our commercial team to define policy and improve merchant visibility. The role demands ownership, data discipline, and the ability to act in ambiguity while shipping end-to-end risk products

Qualifications

• 7+ years of product management experience.
• Experience with products where a wrong decision costs the company money.
• Fluency with loss economics.
• Experience productizing models.
• Track record of shipping end-to-end.
• Strong communication across technical and non-technical stakeholders.

Responsibilities

• Own the approval-rate and loss-rate tradeoff — set the policy and be accountable for both numbers.
• Productize risk models — turn models into decisioning products with clear thresholds and monitoring.
• Build the loss economics view — work with finance to translate exposure into pricing and policy recommendations.
• Ship merchant-facing risk product — provide decisioning transparency and controls.
• Evaluate and integrate risk infrastructure — assess signal providers and data sources.
• Make calls with incomplete data — decide and instrument to learn fast.

Skills

Product management

Loss economics

Model productization

End-to-end shipping

Stakeholder communication

Job description

Coinflow is hiring a Principal Product Manager to own risk and decisioning across the platform. You will shape real-time approval logic and loss economics, impacting transactions across 170+ countries and a multi-billion-dollar run rate.

You’ll partner with engineering, data science, finance, compliance, and our commercial team to define policy and improve merchant visibility. The role demands ownership, data discipline, and the ability to act in ambiguity while shipping end-to-end risk products