Senior Product Manager, Risk
Chime is the largest and fastest-growing player in the challenger-banking space, providing mobile and online banking technology in the U.S. and facilitating over 5M accounts with no physical branches. We’re a technology company relentlessly focused on helping our members achieve financial peace of mind. That’s why we offer access to an award-winning bank account. We don't charge hidden fees, give members early access to their paychecks, and enable them to grow their savings automatically. Instead of charging for overdrafts, we offer free overdraft up to $100 on eligible accounts. And we’re just getting started. We are proud of our mission, devoted to our members, and passionate about applying technology to the challenge of making financial health a reality for everyone.
We have one of the most experienced management teams in Fintech and have raised over $800M in funding from DST, General Atlantic, Iconiq, Coatue, Dragoneer, Menlo, Access, Forerunner, and others. If you’re looking to join a fast-growing company with a beloved, daily-use product and an authentic mission that puts people first, we want to meet you.
About the Role
At Chime, we believe in the power of our product to help people lead healthier financial lives. Our risk team is tasked with keeping our members’ accounts safe, providing them uninterrupted access to their money, and minimizing the company’s risk exposure and fraud loss. We are looking for a Senior Product Manager to lead our Risk and Disputes team. This team is responsible for fraud prevention, account takeover, identity management, and dispute management. You will partner with risk operations, engineering, and data science teams to build, test, execute, and iterate new and existing product solutions that reduce fraud loss, protect our members, and create a world-class experience for our members.
You will drive decision-making through customer insights, quantitative analysis, and collaborating with other stakeholders. You will own the end-end strategy, roadmap, and execution of Risk and Disputes Management. This includes, but is not limited to infrastructure, product experience, collaboration with operations, and engineering roadmap. You bring deep empathy but can effectively prioritize with limited resources. You have a growth mindset and want to be challenged. You have a high bar and want to be a difference-maker in the organization. You’ll bring a sense of urgency that matches the incredible opportunity we have ahead of us.
Responsibilities
- Own and drive the product roadmap for our Risk and Disputes team to keep our members safe and minimize Chime’s risk exposure and fraud loss
- Strategize, develop, and build upon solutions with data science and engineering to combat ever-changing fraud attack patterns
- Collaborate with other product and operations teams to scale with Chime’s fast growing member base
- Evangelize risk and compliance initiatives across Chime
- Engage the risk and compliance community by participating in meet-ups, conferences, and other industry initiatives to stay up to date on best practices
- Do things that don’t scale and iterate towards minimum-loveable-products that allow us to test our hypotheses while delivering a quality customer experience
Requirements
- 3+ years experience as a product manager in Risk, Disputes, Payments, or FinTech
- Strong customer empathy and experience shaping product direction and execution based on customer needs
- Strong data analytical skills and experience with machine learning and AI methodologies
- Empathy for users and a drive to discover and resolve their pain points
- An owner’s mindset - you don’t shy away from the hard stuff
- Experience at a fast-growing startup in a cross-functional environment
- Passion for our mission: helping members lead healthy financial lives
- Strong collaboration in team environments but able to act quickly as the decision-maker
What we offer
- Competitive salary based on experience, medical and dental benefits, as well as a 401k match
- Free snacks and drinks, plus weekly catered lunches.
- Flexible vacation policy.
- Monthly happy hours and company events.
- A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help create a completely new kind of banking service.
We know great work isn’t done alone. We’re building a team of individuals to Chime in with their different strengths to benefit our employees and members. We strongly believe that different backgrounds and ideas are a competitive advantage; we hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance. If you have a disability or special need that requires accommodation, please let us know. To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.