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About the Role

Chime is seeking a Product Manager to lead strategy and execution for the Member Identity, Suspensions & Closures team. This team is responsible for core identity and account lifecycle capabilities, managing how Chime responds to member account issues like suspension, closure, or restriction. This role is critical at the intersection of member experience, trust, risk, compliance, and platform infrastructure, impacting how members perceive Chime's fairness and understandability during sensitive account events.

Responsibilities

Set the vision and roadmap for a reliable, member-centered identity lifecycle across suspension, closure, re-enablement, and related restriction states.
Define lifecycle policy and decision requirements with Risk, Compliance, Legal, and OMX, balancing fraud prevention, regulatory obligations, operational needs, and member impact.
Design orchestration across products and services so a user-level action produces predictable outcomes across every relevant account, product, and partner.
Create a scalable integration model for new products, including clear requirements for APIs, lifecycle states, closure reasons, re-enablement, funds flow, communications, support, and partner synchronization.
Improve the member experience at moments of restriction or closure by making actions understandable, targeted, consistent, and recoverable when appropriate.
Improve agent and internal tooling so support and Risk teams can see the current state, understand the reason, follow approved procedures, and escalate exceptions effectively.
Lead complex cross-functional programs involving Identity, Risk, product engineering, platform engineering, Member Experience, Communications, Bank Partnerships, Compliance, and Legal.
Build measurement and operating mechanisms for lifecycle reliability, member recovery, false-positive impact, support contacts, policy efficacy, exception rates, and time-to-resolution.
Own the response to ambiguous or high-severity lifecycle issues, driving root-cause analysis, clear ownership, and durable fixes rather than one-off workarounds.
Use data, research, and member insights to identify where current policies or experiences create avoidable harm, friction, or operational burden.

Requirements

6+ years of experience as a Product Manager
A track record of shaping hard, ambiguous problems rather than just executing against a roadmap.
Ability to articulate a compelling vision for how identity and account lifecycle should work, and build alignment across engineering, risk, compliance, and leadership.
Ability to translate complex risk and platform challenges into clear strategy and execution, and to move fluently between member journeys, policy behavior, and platform capabilities.
Experience operating in systems with significant policy, operational, and data dependencies.
Strong analytical skills and a track record of turning data and user insight into product decisions, with particular sensitivity to how restriction and closure moments affect member trust and retention.
Deep curiosity, a strong sense of ownership, and comfort in a fast-growing, cross-functional environment.
A passion for helping members lead healthy financial lives.

Location

San Francisco, CA
Chicago, IL

Work Type

Full-time
Hybrid

Experience Level

6+ years of experience as a Product Manager

Salary/Compensations

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

Benefits

Bonus eligibility
Competitive equity package
Comprehensive benefits
Backup child, elder, and pet care
Subsidized commuter benefits for eligible employees
Comprehensive health, financial, and wellbeing benefits
Generous vacation policy
Company-wide paid days off
1% of your 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 offer helpful, easy, and free core banking services through user-friendly tools and intuitive platforms, empowering members to control their finances and work towards their goals.
The team consists of problem solvers, dreamers, and builders united by a shared focus on their members. They operate with an owner's mindset, holding themselves accountable to high standards.
Chime values boldness, big dreams, risk-taking, collaboration, diverse perspectives, and honest feedback. Their culture is entrepreneurial, encouraging employees to be stewards of the mission to help everyday Americans achieve financial progress.
Integrity is paramount, guiding all business aspects and serving as a north star to help millions achieve financial potential.

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 under provincial, federal, state, and local laws, regulations, or ordinances.
They will also consider qualified applicants with criminal histories in a manner consistent with the requirements of 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.
Applicants requiring accommodation during the application process due to a disability or special need should contact: accommodations@chime.com.