Lead Product Manager - Risk & Fraud

Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products. Risk and fraud is one of the hardest and most dynamic problems in financial services. Cardless is looking for a Senior Product Manager to help take its decisioning system to the next level, building toward AI-powered decisioning that continuously learns and adapts to approve more good customers and reduce losses. The role is hybrid, with in-office attendance at least three days a week in San Francisco, CA.

Responsibilities

Set the long-term vision and roadmap for risk and fraud systems, spanning application fraud, account takeover, transaction fraud, ongoing account risk, and disputes; Turn Cardless's data into an intelligence advantage, combining partner, behavioral, financial, and network signals to make decisioning more predictive and personalized; Own how risk and fraud decisions are made, from signals and models to the rules, thresholds, and actions they drive, balancing loss prevention with friction for good customers; Take decisioning to the next level with AI and machine learning, improving detection, adapting to emerging fraud patterns, and automating more decisions; Make every decision explainable and auditable, so teams can understand why it was made, trace the signals behind it, and investigate when needed; Make the right build-vs-buy decisions across the risk stack, own what differentiates Cardless, and use external vendors where they make sense; Design risk capabilities that work across partners, customers, products, and risk appetites without creating one-off systems; Define how to measure and communicate risk performance, connecting decisions to approvals, losses, customer friction, and program economics while giving partners clear visibility into performance

Requirements

Built or owned fraud, risk, or decisioning products at a bank, issuer, processor, fintech, or fraud and identity company; Strong point of view on where AI and machine learning can take risk decisioning; Highly analytical and comfortable working directly with data, able to investigate patterns, test hypotheses, and get to answers yourself; Technically strong and comfortable going deep with engineers and data scientists on signals, models, rules engines, decision flows, and edge cases; Able to think in systems and turn complexity into clear product direction, connecting risk decisions to customer experience, compliance, operations, and partner economics; Excellent communicator who makes complex risk problems understandable

Benefits

Meaningful start-up equity; 100% health, vision & dental primary coverage; 75% health, vision & dental dependent coverage; Catered lunches; $250/month commuter benefit; Parental leave; Team building events & happy hours; Flexible PTO with a minimum of 15 days off per year; Apple equipment; 401k plan