Senior Product Manager (Risk)

EarnIn; Mountain View (CA); Hybrid; USD 229,000 - 280,000; Full time

Job summary

EarnIn is seeking a Senior Product Manager on the Risk team in Mountain View to expand the Risk Platform and drive innovations in credit, fraud, and risk operations. You will lead a cross-functional squad of engineers, designers, researchers, and analysts to deliver impactful features that improve customer risk posture and financial outcomes.

You will define ambitious OKRs, leverage user insights and data analytics, and partner with stakeholders to ensure timely execution.

Qualifications

• 4+ years of industry experience, with at least 2+ years in Product Management.
• Experience using AI tools to accelerate research, prototyping, and data analysis.
• Bachelor's degree or equivalent in a related field.
• Strong data-driven decision-making and metric improvement mindset.
• Empathy for users and proven product-market resonance.
• Excellent communication with executives and stakeholders.
• Comfort with rapid experimentation and creative problem solving.
• Ability to align cross-functional teams and drive execution.
• Creative thinking with innovative risk/credit/fraud solutions.
• Knowledge of credit and fraud risk regulatory best practices.
• Fintech/payments experience preferred.

Responsibilities

• Lead risk-focused product development by aligning with community needs.
• Coordinate engineers, designers, researchers, and analysts to scale impact.
• Define ambitious OKRs and track metrics for success.
• Use research and data analytics to identify opportunities and run experiments.
• Develop and execute risk management strategies for credit and fraud.
• Drive process improvements to raise risk-awareness and efficiency.
• Communicate product vision and roadmap to stakeholders and community.

Skills

Product Management

AI tools

Analytical skills

Communication skills

Regulatory knowledge

Fintech/payments experience

Cross-functional leadership

User empathy

Creativity

Education

Bachelor's degree

Job description

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

POSITION SUMMARY

As a Senior Product Manager on our Risk team, you will play a pivotal role in our mission: reinventing the financial system and helping community members achieve a better financial position. You'll spearhead the expansion of our Risk Platform and spearhead groundbreaking product innovations to tackle challenges in Credit, Fraud, and Risk/Fraud Operations. Harnessing your product expertise, you'll architect the product strategy, uncover new insights, and drive relentless execution.

The Mountain View base salary range for this full-time position is $229,000-$280,000, plus equity and benefits. Our salary ranges are determined by role, level, and location. This hybrid position in Mountain View requires in-office work 2 days a week.

WHAT YOU'LL DO

• Community-Centric Product Development: Stay closely attuned to our community's needs, fostering deep connections and insights to address their challenges effectively.
• Cross-Functional Leadership: Lead a diverse team of engineers, designers, researchers, and analysts to scale impactful products that resonate with our community.
• Goal-Oriented Approach: Define ambitious OKRs and stretch goals for your team, drive progress, and monitor metrics for product success.
• Innovation & Iteration: Utilize user research and data analytics to identify and prioritize product opportunities, executing features and experiments to refine product offerings rapidly.
• Risk Management: Develop and execute a robust risk management strategy for credit and fraud, integrating risk practices seamlessly into our products and processes.
• Continuous Improvement: Drive initiatives to enhance the efficiency and effectiveness of risk management processes, instilling a culture of risk awareness and accountability.
• Strategic Communication: Articulate the product vision, roadmap, and outcomes to internal stakeholders and community members, fostering transparency and alignment.

WHAT WE'RE LOOKING FOR

• 4+ years of relevant industry experience with at least 2+ years in Product Management.
• Fluent with AI tools in your own workflow, using them to accelerate research synthesis, spec writing, prototyping, and data analysis, and excited to build products that get smarter through AI, not just faster to ship
• Bachelor's degree (or equivalent) in a related field (such as Computer Science, Engineering, Information Systems, etc.) or equivalent experience.
• Strong analytical skills to leverage data to inform product decisions and drive metric improvement.
• Deep empathy for user needs, coupled with a track record of building products that resonate with users.
• Exceptional communication skills to engage with executive leadership and key stakeholders.
• Comfortable in a culture of rapid experimentation, embracing creative solutions to complex challenges.
• Ability to align teams and functions, driving execution and goal achievement.
• Proven ability to think creatively and propose innovative solutions to complex problems.
• Sound knowledge of regulatory requirements and industry best practices related to credit and fraud risk management.
• Previous experience in fintech and payments is preferred, along with familiarity with operational aspects of risk management in the financial sector.

At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant.

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.

A Note on AI in the Hiring Process:

EarnIn may use Artificial Intelligence (AI)-powered tools during the hiring process, including tools that (i) generate summaries or notes for interviewers, (ii) review resumes, (iii) assist with scheduling interviews, (iv) help identify themes across candidate responses and profiles for a given role, and (v) assist with populating the interview scorecard.

Final hiring decisions are made by human interviewers and hiring managers.

If you have any questions about the use of AI in our hiring process or if you would like to opt out, please follow the "Learn More" link below. Opting out will not negatively affect your candidacy or evaluation.

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in EarnIn’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

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