Principal Product Manager, Fraud and Risk

We're looking for a Principal Product Manager to drive the fraud and risk product function for our consumer products. This is a high-impact IC role responsible for architecting the systems, controls, and decisioning that protect our credit products, consumer payments, and homeowner experiences while maintaining a seamless, high-conversion user journey.

You'll own the strategy and execution for defined fraud and risk domains, bringing clarity to complex challenges, aligning partners around the right signals and defenses, and personally driving roadmap initiatives that materially reduce losses. You operate with deep technical fluency and hands-on rigor, functioning as the go-to subject matter expert across fraud vectors, risk modeling, and regulatory alignment.

The ideal candidate brings systems-level thinking and the ability to operate with significant autonomy in a fast-moving fintech environment, doing the work, not just directing it.

Essential Job Duties & Responsibilities:

• Set and drive the end-to-end fraud and risk product strategy across credit products, consumer payments, and the homeowner app, delivering strong protection without compromising experience.
• Own the roadmap for fraud detection and risk scoring systems, and partner closely with Engineering and Data Science to advance models, rules, and real-time defenses. 
• Partner with Security to strengthen identity and account integrity, shaping product- side risk controls (KYC/KYB, device intelligence, behavioral signals) that mitigate synthetic IDs, ATO, and mule activity.
• Lead the strategy to prevent fraud-driven disputes and chargebacks by strengthening upstream controls, improving decisioning logic, and reducing opportunities for abuse before they reach Operations.
• Analyze fraud patterns, model performance, losses, and false positives, and make sharp, data-driven decisions that reduce fraud while preserving customer experience.
• Manage key vendor relationships and evaluate new technologies, signals, and platforms that can strengthen our fraud and risk defenses.
• Collaborate with Compliance and Legal to ensure fraud and risk systems meet regulatory requirements and are audit-ready.
• Communicate risks, trends, and mitigation plans to senior leadership with clarity, urgency, and high signal.

Required Skills, Knowledge & Abilities:

• 10+ years of fraud, risk, identity, or trust & safety product experience in fintech, banking, lending, payments, or consumer finance.
• Proven success designing fraud/risk systems, working with DS/ML teams, and shipping high-impact risk products at scale.
• Deep understanding of fraud vectors (ATO, synthetic identities, mule accounts, friendly fraud, credit abuse, chargebacks).
• Experience with KYC/AML, sanctions, adverse media, dispute regulations, and compliance alignment.
• Strong analytical abilities, fluent with metrics, funnels, decision trees, and interpreting model outputs.
• Ability to lead teams, influence senior stakeholders, and make crisp tradeoffs between risk mitigation and growth.
• High-signal communication: clear, structured, authoritative.