Senior Product Manager, Risk

By the Numbers:

• Named #1 best software for small business of 2024 by G2
• 2,700+ employees in the United States, Canada, Mexico, and Turkiye and growing 
• Over $500M in annual revenue 
• The SMB market is large (and growing!) with huge opportunities for Gusto to make an incredible impact for SMBs 
• There are 6.2M employers in the US, 98% have fewer than 100 employees (1) 
• 550,000 new businesses are created each year in the US (1) 

What Product Management is like at Gusto:

• We’re looking for high-autonomy, entrepreneurial Product Managers to come build high-impact solutions for small businesses and their employees. We believe in high-ownership Product Managers who operate like business owners - owning an entire roadmap end to end and shipping product all the way from strategy through to the nitty gritty details (some describe this kind of role as a “GM” type role).
• Our Product team is lean, which means you’ll have a high degree of impact and ownership. 
• We’re here to serve small and medium businesses. Gusto has a strong mission-driven culture, and we care deeply about lifting up these business owners. 

About the Team:

The Payments and Risk team at Gusto ensures that our 400,000+ small and medium businesses and millions of their employees are getting paid on time, every time in a safe manner. You will be our Risk Product Manager who helps enable Gusto’s payroll product to scale by developing risk systems, processes and policies that are foundational to our payroll solutions. You will work closely with a team of Engineers and Designers, to build the roadmap, set strategic priorities, and ensure the successful implementation of our risk stack. 

Here’s what you’ll do day-to-day:

• Ownership: Build products and services that help manage fraud and credit risk while enabling positive user experiences for Gusto’s payroll products  
• North Star: Build customer trust by delivering great customer experience consistently across the entire customer journey. Optimize risk to grow unit economics and market share responsibly for Gusto 
• Collaborate: Work collaboratively with Engineers, Designers,  Product Managers, Fraud/Risk Operations and other stakeholders to bring new products and features to our customers
• Communicate your work across technical and non-technical decision-makers
• Manage dependencies across other product development teams 
• Develop the roadmap of your product area through deep research and understanding of business goals and OKRs
• Conduct market research to inform strategy, measure performance against key indicators, and inform future improvements
• Model and systematize data-driven decision-making by consistently reviewing KPI dashboards with team while driving transparency and focus on customer and business outcomes

Here’s what we're looking for:

• 5+ years of experience in Product Management and Risk related work
• Experience designing and building risk management platforms that find the balance of loss prevention and user experience
• Knowledge of systems, processes, tools and vendors related to threat detection, payment transactions, operational procedures, and risk scoring
• Ability to make sound risk and customer experience decisions in the absence of data
• Ability to communicate effectively based on audience
• Experience with data structures, analytics, and AI/ML models for risk management is a plus

If you don't think you meet all of the criteria above but still are interested in the job, please apply. Nobody checks every box, and we're looking for someone excited to join the team.

Our cash compensation amount for this role is $153,000/yr to $191,000/yr in Denver & most major metro locations, and $186,000/yr to $230,000/yr for San Francisco, Seattle & New York. Final offer amounts are determined by multiple factors including candidate location, experience and expertise and may vary from the amounts listed above.

Where do PMs at Gusto work?

We have offices in Denver, San Francisco, and New York and have remote team members across the US and Canada. We are actively hiring for the following Centers of Gravity: Toronto, Canada, Atlanta, GA, Austin, TX, Chicago, IL, Denver, CO, Los Angeles, CA, Miami, FL, and Seattle, WA. Our open roles will specify on the careers page and in the job description where the position is eligible for work. 

 (1) Business Applications with Planned Wages (www.census.gov)