Senior Product Manager - Real-Time Payments Risk

Coinflow; New York (NY); On-site; USD 175,000 - 225,000; Full time

Benefits offered by this job

Equity grant

Health and wellness 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, including real-time approvals for 170+ countries and multi-billion-dollar volume. You will own the policy, models, and loss economics, partnering with engineering, data science, finance, compliance, and the commercial team to deliver risk-enabled growth.

This high-ownership, high-ambiguity role requires shaping risk surface strategy, delivering merchant-facing risk tools, and driving end-to-end

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 (risk/payments/finance).
• Fluency with loss economics and unit economics.
• Experience productizing models for production use.
• Track record of shipping end-to-end from ambiguous problem to production.
• Strong communication across technical and non-technical stakeholders.

Responsibilities

• Own the approval-rate and loss-rate tradeoff
• Productize risk models with clear thresholds and monitoring
• Build the loss economics view with portfolio insights and pricing implications
• Ship merchant-facing risk product with transparency and controls
• Evaluate and integrate risk infrastructure across sources and vendors
• Make calls with incomplete data and learn fast

Skills

Product management

Risk product experience

Loss economics

Productizing models

End-to-end shipping

Stakeholder communication

Job description

Coinflow is hiring a Principal Product Manager to own risk and decisioning across the platform, including real-time approvals for 170+ countries and multi-billion-dollar volume. You will own the policy, models, and loss economics, partnering with engineering, data science, finance, compliance, and the commercial team to deliver risk-enabled growth.

This high-ownership, high-ambiguity role requires shaping risk surface strategy, delivering merchant-facing risk tools, and driving end-to-end