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Staff Product Manager (Risk)



Palo Alto, CA, USA
Posted on Thursday, June 27, 2024


As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. Since our founding, our app has been downloaded over 13M times and we have provided access to over $15 billion in earnings.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.


Join the EarnIn Risk team as a Staff Product Manager and play a pivotal role in realizing our mission - reinventing the financial system and helping our community members get to a better place financially. You'll spearhead the expansion of our Risk Platform and lead 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 Palo Alto base salary range for this full-time position is $211,500 -$258,500 plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position in Palo Alto and will require in-office work 2 days a week.


  • 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, driving progress and monitoring 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.


  • 3+ years of product management experience with a strong product sense developed by shipping delightful & innovative consumer products.
  • Strong analytical skills in leveraging data to inform product decisions and drive metrics improvement.
  • Deep empathy for user needs, coupled with a track record of building products that resonate with users.
  • Exceptional written and verbal communication skills, essential for aligning teams and stakeholders.
  • Comfortable in a culture of rapid experimentation, embracing creative solutions to complex challenges.
  • Ability to foster alignment across teams and functions, driving successful execution and goal achievement.
  • Proven ability to think creatively and propose radical ideas to solve tough problems.
  • Previous experience in fintech and payments is preferred, along with familiarity with operational aspects of risk management in the financial sector.
  • Sound knowledge of regulatory requirements and industry best practices related to credit and fraud risk management.

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.

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.