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About the Role

Chime is seeking a Product Manager to lead product strategy and execution for Transaction Risk Decisioning. This role involves building decisioning systems and product experiences to evaluate transaction risk in real-time, partnering with various teams to reduce fraud, improve approval rates, and enhance member recovery experiences. The position is critical at the intersection of risk, growth, trust, and product quality, protecting revenue while enabling healthy growth.

Responsibilities

Drive strategy to reduce transaction declines and increase purchase volume authorization rates.
Launch new controls for emerging fraud patterns.
Redesign risky decline flows for better member recovery.
Work cross-functionally to improve the quality of risk signals.
Partner with member support teams to make risk outcomes understandable.
Help launch new financial products safely by designing safeguards and monitoring.

Requirements

5+ years of experience as a Product Manager.
Deep expertise in payments risk, including card network operations, transaction rules, dispute frameworks, and decline codes.
Proven ability to think strategically about purchase volume and authorization rates, connecting decisioning logic to revenue outcomes.
Track record of bringing thought leadership to ambiguous problems and shaping product roadmaps.
Strong product mindset with the ability to translate complex challenges into clear strategy and execution.
Experience operating in systems with significant policy, operational, and data dependencies.
Ability to engage fluently across member journeys, policy behavior, experiment design, and platform capabilities.
Strong customer empathy and a track record of turning user insights into product decisions.
Strong analytical skills and experience applying machine learning and AI methodologies.
Deep curiosity and a strong sense of ownership.
Experience working in a fast-growing, cross-functional environment.
A passion for helping members lead healthy financial lives.

Skills

Payments risk
Card network operations
Transaction rules
Dispute and chargeback frameworks
Decline return codes
Strategic thinking
Product strategy
Product execution
Risk management
Machine learning
AI methodologies
Analytical skills
Customer empathy

Location

San Francisco, CA
Chicago, IL

Work Type

Hybrid (4 days in office, 1 day remote for those near offices)
Fully remote program available

Experience Level

5+ years of experience as a Product Manager

Salary/Compensations

San Francisco, CA: $183,000 - $205,000
Chicago, IL: $165,000 - $185,000

Benefits

Backup child, elder, and pet care
Subsidized commuter benefits
Comprehensive health, financial, and wellbeing benefits
Generous vacation policy
Company-wide paid days off
1% of time off to support local community organizations
Annual wellness stipend
Up to 22 weeks of paid parental leave for birthing parents
12 weeks of paid parental leave for non-birthing parents
Access to family planning reimbursement

About the Company

Chime is a financial technology company that believes everyone can achieve financial progress. They provide helpful, easy, and free core banking services through user-friendly tools and intuitive platforms.
The company is driven by a team of problem solvers, dreamers, and builders obsessed with their members, working to out-hustle competitors to bring their mission to life.
Chime fosters an entrepreneurial culture, encouraging employees to be stewards of their mission to help everyday Americans unlock financial progress.
Integrity is a core value, guiding the company's actions to help millions achieve their financial potential.
Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Equal Opportunity

Chime is proud to be an Equal Opportunity Employer.
They consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis.
They will also consider qualified applicants with criminal histories in a manner consistent with state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws.
Accommodation is available for individuals with disabilities or special needs during the application process.