2026 Product Manager, Chime
Transaction Risk Decisioning
$165-205k
Salary dependent on location
Mobile banking for the everyday person
Be an early applicant
Mobile banking for the everyday person
1001+ employees
Be an early applicant
$165-205k
Salary dependent on location
1001+ employees
Company mission
To make financial peace of mind a reality for millions of everyday people.
Role
Who you are
- 5+ years of experience as a Product Manager
- Deep expertise in payments risk — you understand how card networks operate, including Visa and Mastercard transaction rules, authorization reason codes, dispute and chargeback frameworks, and decline return codes (e.g., Do Not Honor, Insufficient Funds, Card Activity Limit). You can hold a substantive conversation with a risk strategist, a network partner, or an issuer processor about why a transaction declined and what can be done about it
- Proven ability to think strategically about purchase volume and authorization rates , you've connected decisioning logic to revenue outcomes and can frame risk tradeoffs in terms of business impact, not just fraud loss
- A track record of bringing thought leadership to hard, ambiguous problems - you don't just execute on a roadmap, you shape it. You can articulate a compelling vision for how the transaction experience should work and build alignment across engineering, risk, compliance, and leadership
- A strong product mindset and the ability to translate complex risk and platform challenges into clear strategy and execution
- Experience operating in systems with significant policy, operational, and data dependencies
- The 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 — with a particular sensitivity to how declines and friction moments affect member trust and retention
- 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
What the job involves
- We are looking for a Product Manager to lead product strategy and execution for Transaction Risk Decisioning at Chime
- This team builds the decisioning systems and product experiences that help Chime evaluate transaction risk in real time across card payments, peer-to-peer payments, bank transfers, and other money movement surfaces
- The team partners closely with engineering, analytics, risk strategy, operations, and platform teams to reduce fraud, improve approval rates, and make risk outcomes clearer and more recoverable for members
- For our members, this space is deeply personal
- A risk decision can determine whether a card transaction goes through, whether money movement succeeds, whether a suspicious action is stopped in time, and whether a member feels protected or unfairly blocked
- The best products in this area make safety visible without making everyday banking harder
- They keep friction targeted to risky behavior, not normal behavior, and turn declines or interventions into understandable, recoverable experiences
- This is a high-leverage role at the intersection of risk, growth, trust, and product quality
- The team owns outbound transaction risk across card authorization, ACH, peer-to-peer, outbound transfers, and related surfaces — protecting a large share of Chime's revenue while minimizing fraud and disputes and enabling healthy growth
- Drive strategy to reduce transaction declines and increase purchase volume authorization rates — directly impacting members' experience with Chime, and helping Chime's revenue and purchase volume growth
- Launch new controls for an emerging fraud pattern across a money movement rail
- Redesign a risky decline flow so more good members recover successfully while bad actors are still contained,
- Work cross functionally with analysts, data science, Compliance, Legal and engineers to improve the quality of risk signals flowing into a decision checkpoint,
- Partner with member support teams to make a confusing risk outcome understandable and actionable for members,
- Help launch new financial products safely by designing the right safeguards, fallbacks, and monitoring
Our take
Chime is part of the growing realm of fintech banks and providers, emphasising straightforward, cost-effective banking solutions. It cuts the expenses tied to basic bank accounts and provides users with greater autonomy in managing their finances.
In contrast to many traditional banks that levy steep fees and hefty penalties for overdrafts while offering meagre interest rates on savings, Chime addresses a crucial gap in the banking sector. Its primary focus is on catering to individuals with modest savings who seek the convenience of automated digital banking.
With a remarkable ascent in its trajectory, Chime's current valuation stands at $11.6B since its 2025 IPO. However, competition remains fierce, with other neobanks like Ally offering similar features and vying for the same customer base. That being said, Chime's IPO, rare in a financially uncertain period, proves that it has shifted from challenger to major player.
Freddie
Company Specialist at Welcome to the Jungle
Insights
0% employee growth in 12 months
Company
Funding (last 2 of 9 rounds)
Aug 2021
$750m
SERIES G
Sep 2020
$485m
SERIES F
Total funding: $2.0bn
Company benefits
- Physical: We believe in taking care of your physical health, so as a Chimer you’ll get medical, dental, and vision insurance, as well as benefits to support your physical activity, family planning, and all of your little Chimers
- Emotional: We know that staying healthy involves a lot more than doctor’s checkups. We partner with Modern Health to help you navigate your mental health, give monthly Take Care of Yourself Days, and want you to take time off when you need it
- Financial: We want Chimers to save and feel financially supported, so we offer savings plans with competitive matching, as well as access to financial planning and legal assistance so that you can find your financial peace of mind
- Social: We’ll celebrate your milestones together with travel stipends, swag, and high-fives and make sure you’re connected to fellow Chimers through our Chime Resource Groups (CRGs) and company events
Company HQ
Nob Hill, San Francisco, CA
Leadership
Chris Britt
(Co-Founder & CEO)Chris worked as an Accenture Management Consultant for 4 years before roles at CMGI, Comscore Networks, and Visa. They left their position as an SVP of Corporate Development at Green Dot Corporation to co-found Chime in November 2012.
Ryan King
(Co-Founder)Ryan worked at Plaxo for 8 years, first as Lead Engineer and then working their way up to VP of Engineering & COO. They went on to be CTO & Vice President at Comcast Silicon Valley Innovation Centre before co-founding Chime.
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