Senior Product Manager (Risk)

ABOUT EARNIN

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for people 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 excited to bring on world-class talent to help shape the next chapter of our growth journey.

EarnIn is becoming an AI-native company, embedding AI agents into how we build, analyze, and operate across every function. Teams use AI Agents to move from ideas to execution faster. By letting agents handle repetitive tasks, our people can focus on judgment, creativity, and hard problems. We pair this experimentation with the strict review and security guardrails our regulated financial environment requires, always keeping a focus on privacy and the people who rely on our products.

As a company, we are becoming AI-native, and we encourage you to use AI tools throughout much of your interview process. If you use AI during the live interview, just say so; a quick, natural mention of how it helped and why you are using it is all we need. What we're evaluating is your judgment, reasoning, and ability to own and defend your work, not whether AI was involved. Some rounds, particularly those focused on your career history and past experiences, will not allow the use of AI, and we'll let you know of those in advance. When in doubt, ask your recruiter or interviewer directly.

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.

#LI-Hybrid

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.