4+ years of relevant industry experience, including 2+ years in Product Management
Proficient in AI tools for research, prototyping, and data analysis
Bachelor's degree in a related field or equivalent experience
Strong analytical skills for data-driven product decisions
Deep empathy for user needs with a proven product development track record
Exceptional communication skills for engaging with leadership and stakeholders
Comfortable in a rapid experimentation culture
Knowledge of regulatory requirements in credit and fraud risk management
Experience in fintech and payments preferred
Responsibilities
Develop community-centric products by understanding user needs
Lead cross-functional teams to scale impactful products
Define ambitious OKRs and monitor product success metrics
Utilize user research and data analytics to prioritize product opportunities
Execute a robust risk management strategy for credit and fraud
Drive initiatives for continuous improvement in risk management processes
Communicate product vision and outcomes to stakeholders and community members
Benefits
Equity options
Hybrid work model requiring in-office presence 2 days a week
Comprehensive benefits package
Full Job Description
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.
#LI-Hybrid
About Earnin
Earnin is a financial services company that provides a mobile app that allows users to access their earned wages before payday. The app uses a proprietary algorithm to determine how much money users can access based on their work history and other factors. Earnin was founded in 2013 and is headquartered in Palo Alto, California.
