Senior Product Manager, Risk

Mountain View · USD 229,000-280,000 · 2+ years experience · Hybrid · Posted Oct 8, 2026

At a glance

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.

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

Stay closely attuned to community needs, fostering deep connections and insights to address challenges effectively.
Lead a diverse team of engineers, designers, researchers, and analysts to scale impactful products that resonate with the community.
Define ambitious OKRs and stretch goals for your team, drive progress, and monitor metrics for product success.
Utilize user research and data analytics to identify and prioritize product opportunities, executing features and experiments to refine product offerings rapidly.
Develop and execute a robust risk management strategy for credit and fraud, integrating risk practices seamlessly into products and processes.
Drive initiatives to enhance the efficiency and effectiveness of risk management processes, instilling a culture of risk awareness and accountability.
Articulate the product vision, roadmap, and outcomes to internal stakeholders and community members, fostering transparency and alignment.

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.