Principal Product Manager (Fintech)

Location: Chicago, United States; on-site

Base salary: $175,000–$225,000 USD per year, plus equity and benefits.

Company

Payment infrastructure provider offering stablecoin-enabled settlement, AI-driven fraud prevention, global pay-ins, multi-currency FX, unified payouts, and fraud and chargeback indemnity for marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants.

What you will do

• Own the approval-rate and loss-rate tradeoff, including risk policy, thresholds, and accountability for outcomes.
• Work with data science to productize risk models with clear thresholds, monitoring, and failure behavior.
• Partner with finance to analyze portfolio- and merchant-level exposure, expected losses, pricing, and policy recommendations.
• Build merchant-facing decisioning transparency, controls, and reporting.
• Evaluate and integrate signal providers, data sources, and decisioning vendors based on coverage, accuracy, cost, and technical fit.
• Make product decisions with incomplete data, instrument outcomes, and drive execution end to end with engineering, data science, finance, compliance, and commercial teams.

Requirements

• 7+ years of product management experience, including ownership of a technically complex or regulated surface area.
• Experience with products where incorrect decisions create direct company losses, such as lending, BNPL, issuing, insurance, risk, or payments products.
• Fluency with expected loss, unit economics, exposure, and the impact of policy changes on revenue and risk.
• Experience productizing models and managing precision/recall tradeoffs in production traffic.
• Track record of shipping end to end from ambiguous problems to production without a predefined roadmap.
• Strong communication across technical and non-technical stakeholders, including engineering, finance, and merchants.
• Ability to own expensive decisions, work rigorously with data, make decisions despite uncertainty, understand operational workflows, identify edge cases and failure modes, and build scalable processes.
• Experience building from zero with founder or early-employee instincts and limited structure.

Nice to have

• Fraud, underwriting, or credit risk product experience with direct ownership of a loss metric.
• Cross-border payments experience across different payment rails, regulators, and fraud patterns.
• Product work under regulatory constraints such as NACHA, MiCA, BSA/AML, PSD2, or equivalent.
• Actuarial, quantitative finance, or data science background.

Culture & Benefits

• High-ownership, high-ambiguity environment with responsibility for identifying problems and driving execution.
• Equity grant linked to the long-term success of the business.
• Health and wellness benefits.
• 401(k) savings plan.
• Flexible time off.