Principal Product Manager - Core

As Principal Product Manager - Core at Coinflow, you own a high-impact surface area spanning pay-ins, payouts, geographic expansion, and merchant experience, with room to grow into a leadership role across the broader product organization. You work at the intersection of core product and infrastructure, geographic expansion strategy, fraud and decisioning systems, and vendor and banking partner onboarding. You'll operate with high ownership and ambiguity, identifying problems before they're handed to you and driving execution end-to-end across engineering, data, legal, operations, and finance.

What you'll do

• Build market strategy for geographic expansion by researching and prioritizing new geographies, developing go-to-market strategy, identifying product gaps, and shipping the offerings that close them
• Own global payments vendor procurement: identify pay-in and payout providers across target markets, run structured evaluations across pricing, coverage, compliance posture, and technical fit, drive MSA and legal review, and own the relationship post-onboarding
• Own the merchant and developer experience across checkout, withdrawals, and API surface, from first integration through steady state
• Shape fraud and decisioning product by partnering with risk and data to improve approval rates and loss performance without adding merchant friction
• Translate operational complexity into shippable product by working with engineering and data to turn dense regulatory and operational requirements into clear specs
• Drive decisions with data by analyzing performance, surfacing insights, and iterating quickly
• Contribute broadly across the product organization as you ramp, taking on generalist work across pay-ins, payouts, and orchestration

What you bring

• 7+ years of product management experience, including ownership of a complex technical or regulated surface area
• A track record of shipping end-to-end, from ambiguous problem to production
• Demonstrated ability to define a problem space and build the roadmap yourself
• Strong communication skills and ability to work across technical and non-technical stakeholders
• Working knowledge of payments rails, including how pay-in and payout providers differ, what makes one better in a given market, and how vendor selection affects pricing, compliance exposure, and product capability

Nice to have

• Cross-border or multi-market payments experience, including launching in a market where the rails, regulator, and settlement mechanics were unfamiliar
• Risk or underwriting product work, having shipped against approval-rate and loss-rate tradeoffs rather than just funnel metrics
• Product work under heavy regulatory constraint in environments where regulation shaped the design (NACHA, MiCA, BSA/AML, PSD2, or equivalent)
• Experience at a company that grew significantly through your tenure, having seen what breaks between Series A and Series C

What we offer

• Base salary of $175,000 - $225,000 USD
• Equity grant, allowing you to share in the long-term success of the company
• Health and wellness benefits
• 401(k) savings plan
• Flexible time off

About Coinflow

Coinflow is a next-generation payment service provider founded in 2023, serving marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide. Since their seed round in 2024, the company has achieved 23x revenue growth and scaled to multi-billion-dollar annual transaction volume. In October 2025, Coinflow announced a $25M Series A led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, and Reciprocal Ventures. Headquartered in Chicago, IL, Coinflow enables businesses to grow faster with instant settlement, fraud and chargeback indemnity, global pay-ins, multi-currency FX, and unified payouts powered by stablecoins and AI-driven fraud prevention.