Principal Product Manager - Risk & Decisioning

As Principal Product Manager for Risk & Decisioning at Coinflow, you own the systems that decide in real time which transactions the company approves and on what terms. This is a role where product decisions carry direct P&L consequences: Coinflow doesn't pass risk through to merchants, so approval-rate and loss-rate outcomes land on the company's own books. You'll work across real-time decisioning models, loss economics, merchant-facing risk product, and risk operations tooling, partnering directly with engineering, data science, finance, compliance, and the commercial team.

What you'll do

• Own the approval-rate and loss-rate tradeoff, set the policy, defend the position, and be accountable for both numbers
• Productize risk models by working with data science to turn models into decisioning products with clear thresholds, monitoring, and failure behavior
• Build the loss economics view by partnering with finance to understand exposure at the portfolio and merchant level, and translate that into pricing and policy recommendations
• Ship merchant-facing risk product including decisioning transparency, controls, and reporting that reduce support load and increase trust
• Evaluate and integrate risk infrastructure by assessing signal providers, data sources, and decisioning vendors across coverage, accuracy, cost, and technical fit
• Make calls with incomplete data, instrument decisions, and learn fast in a space with thin baselines and long feedback loops

What you bring

• 7+ years of product management experience, including ownership of a technically complex or regulated surface area
• Experience with products where a wrong decision costs the company money: lending, BNPL, issuing, insurance, risk, or payments products where your employer carried the loss rather than passing it downstream
• Fluency with loss economics and the ability to reason about expected loss, unit economics, and how a policy change moves both revenue and exposure
• Experience productizing models and understanding what breaks when a model meets production traffic
• A track record of shipping end-to-end, from ambiguous problem to production, without a roadmap handed to you
• Strong communication across technical and non-technical stakeholders, explaining risk posture to engineers, finance, and merchants with equal clarity
• Comfort owning expensive decisions and holding the number rather than advising on it
• The ability to be rigorous with data and decisive without it: instrument everything and let results change your mind, but don't stall waiting for certainty that isn't coming
• Operational depth: you learn a workflow well enough to see what the people doing it can't
• Attentiveness to edge cases and failure modes, where in this domain the tail is where the money is
• A track record raising the operating bar by turning processes held together by one person's memory into something that scales
• Founder or early-employee instincts: you've built from zero, with no team and no one to escalate to

Nice to have

• Fraud, underwriting, or credit risk product experience where you've owned a loss number, not just observed one
• Cross-border payments experience across markets with different rails, regulators, and fraud patterns
• Product work under heavy regulatory constraint such as NACHA, MiCA, BSA/AML, or PSD2, where regulation shaped the design
• Actuarial, quantitative finance, or data science background, formal or informal

What we offer

• Base salary range of $175,000 - $225,000 USD, depending on experience, education, skills, qualifications and business needs
• An 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, offering stablecoins, AI-driven fraud prevention, and instant settlement to marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide. Since its 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 is rewriting how money moves across the $194 trillion cross-border payments market.