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Salary: USD 229,000 - 280,000 / annual
EarnIn is a fintech pioneer in earned wage access, enabling community members to access their earnings in real-time with flexibility to spend, save, and grow money without mandatory fees, interest rates, or credit checks. The company is backed by top-tier investors including A16Z, Matrix Partners, DST, and Ribbit Capital, with a healthy core business and strong runway.
As Senior Product Manager for the Risk team, you will spearhead the expansion of EarnIn's Risk Platform and drive groundbreaking product innovations to address challenges in Credit, Fraud, and Risk/Fraud Operations. You will architect product strategy, uncover insights, and drive execution across a critical function that protects the platform and community.
Key responsibilities include:
- Community-Centric Product Development: Stay attuned to community needs and foster deep connections to address their challenges effectively.
- Cross-Functional Leadership: Lead engineers, designers, researchers, and analysts to scale impactful products that resonate with the community.
- Goal-Oriented Approach: Define ambitious OKRs and stretch goals, 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 rapidly.
- Risk Management: Develop and execute robust risk management strategy for credit and fraud, integrating risk practices into products and processes.
- Continuous Improvement: Drive initiatives to enhance efficiency and effectiveness of risk management, instilling a culture of risk awareness and accountability.
- Strategic Communication: Articulate product vision, roadmap, and outcomes to internal stakeholders and community members.
This is a hybrid role based in Mountain View requiring in-office work 2 days per week.
REQUIREMENTS:
- 4+ years of relevant industry experience with at least 2+ years in Product Management
- Fluent with AI tools in your own workflow (research synthesis, spec writing, prototyping, data analysis); excited to build products that get smarter through AI
- Bachelor's degree (or equivalent) in a related field (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 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 preferred, along with familiarity with operational aspects of risk management in the financial sector
