Product Manager, Transaction Risk Decisioning (Fintech)

Location: Chicago, IL, USA or San Francisco, CA, USA. The in-office policy requires four days per week in the office and Fridays from home for employees near an office; a fully remote program is also mentioned.

Salary: $165,000–$185,000 in Chicago, IL, or $183,000–$205,000 in San Francisco, CA.

Company

hirify.global is a financial technology company that provides user-friendly banking services and tools to help members improve their financial wellbeing.

What you will do

• Lead product strategy and execution for transaction risk decisioning across card authorization, ACH, peer-to-peer payments, outbound transfers, and related money movement surfaces.
• Reduce transaction declines and increase purchase volume authorization rates while managing fraud, disputes, and revenue impact.
• Launch controls for emerging fraud patterns and design safeguards, fallbacks, and monitoring for new financial products.
• Redesign risky decline flows so legitimate members can recover successfully while bad actors remain contained.
• Improve risk signals and decision checkpoints in partnership with engineering, analytics, data science, Compliance, Legal, operations, and platform teams.
• Make risk outcomes clearer and more actionable for members in collaboration with member support teams.

Requirements

• 5+ years of experience as a Product Manager.
• Deep expertise in payments risk, including card network rules, Visa and Mastercard transaction behavior, authorization reason codes, disputes, chargebacks, and decline return codes.
• Experience connecting transaction decisioning logic with purchase volume, authorization rates, revenue outcomes, and fraud-loss tradeoffs.
• Strong product strategy, analytical, customer empathy, and cross-functional collaboration skills.
• Experience operating across policy, operational, data, and platform dependencies and translating complex risk challenges into clear execution plans.
• Experience applying machine learning and AI methodologies.

Culture & Benefits

• Work in a cross-functional, entrepreneurial environment focused on financial progress and member trust.
• Comprehensive health, financial, and wellbeing benefits.
• Generous vacation policy, company-wide paid days off, and parental leave of up to 22 weeks for birthing parents and 12 weeks for non-birthing parents.
• Backup child, elder, and pet care, subsidized commuter benefits, family planning reimbursement, and an annual wellness stipend.
• Paid time to support local community organizations.