Lead product innovations in risk management for a fintech company focused on financial flexibility.
Posted by employer 2 days ago
First seen on Joblaze 2 days ago
Last verified on the company career page 3 hours ago
What you'll build
- Develop and execute a robust risk management strategy
- Lead a diverse team of engineers, designers, researchers, and analysts
- Define ambitious OKRs and stretch goals for your team
- Utilize user research and data analytics to identify product opportunities
- Articulate the product vision, roadmap, and outcomes
Must have
- 4+ years of relevant industry experience
- 2+ years in Product Management
- Strong analytical skills
- Exceptional communication skills
- Sound knowledge of regulatory requirements related to credit and fraud risk management
Nice to have
- Previous experience in fintech and payments
- Familiarity with operational aspects of risk management
Practical constraints
- Requires in-office work 2 days a week
AI in the day-to-day
Fluent with AI tools in your own workflow, using them to accelerate research synthesis, spec writing, prototyping, and data analysis.
Requirements
- Experience
- 4+ years
- Education
- Bachelor's degree
Not disclosed in this posting: visa sponsorship.
Benefits
Joblaze summary
In the role of Senior Product Manager on the Risk team at Earnin, the individual will focus on enhancing the Risk Platform by developing innovative solutions to address challenges in credit and fraud. Key skills include a strong analytical background, familiarity with AI tools, and experience in fintech, particularly in risk management. This position is suited for someone with over four years of industry experience, including at least two years in product management, who can effectively lead cross-functional teams and communicate with stakeholders. Earnin emphasizes a culture of diversity and community engagement, reflecting its commitment to building a financial system that serves everyday
Joblaze insights
- Listed 2 days ago — first seen on Joblaze October 9, 2026. Last confirmed on Earnin's careers page October 11, 2026.
- Salary band is above the typical range for Product roles (median ~$184,000).
- Starts above 81% of 111 comparable senior product roles in United States that list AI/ML we track (median $190,000 across 46 companies). See AI/ML salary trends
- AI/ML appears in 40.9% of 394 comparable senior product roles in United States; Product appears in 0.5% of 394 comparable senior product roles in United States.
Quick facts
- Is the Senior Product Manager, Risk role remote?
- It's hybrid — Earnin expects some on-site time in Mountain View, US.
- What's the salary range?
- Earnin lists $229,000–$280,000 for this role.
- How much experience is required?
- At least 4 years of relevant experience for this Senior Product Manager, Risk role.
- Where is the role based?
- Earnin is hiring for this position in Mountain View, US.
- What's the tech stack?
- Joblaze extracted these technologies from the posting: AI/ML, Product.
- What seniority level is this role?
- Earnin targets senior candidates for this position.
- Is this full-time or contract?
- Full-time for this Senior Product Manager, Risk role at Earnin.
From the original posting
About EarnIn
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 is a hybrid position in Mountain View that 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.
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.
Standard company text repeated across Earnin's postings is omitted here.