Senior PM, Real-Time Payments Risk & Decisioning

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

Job summary

Coinflow is seeking a Principal Product Manager to own risk and decisioning across the platform, driving real-time approvals and the economics of loss. You’ll own high-stakes decisions with P&L impact and work with engineering, data science, finance, and compliance to ship end-to-end risk features.

The role requires experience productizing models, defining thresholds, and communicating risk posture to engineers, merchants, and executives in a fast-growing cross-border payments environment.

Qualifications

• 7+ years of product management experience, including ownership of 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 policy changes’ impact on 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 ready roadmap.
• Strong communication across technical and non-technical stakeholders—explaining risk posture to engineers, finance, and merchants in the same week.

Responsibilities

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

Skills

PM Leadership

Risk domains

Loss economics

Model productization

End-to-end delivery

Cross-functional communication

Job description

Coinflow is seeking a Principal Product Manager to own risk and decisioning across the platform, driving real-time approvals and the economics of loss. You’ll own high-stakes decisions with P&L impact and work with engineering, data science, finance, and compliance to ship end-to-end risk features.

The role requires experience productizing models, defining thresholds, and communicating risk posture to engineers, merchants, and executives in a fast-growing cross-border payments environment.