ABOUT EARNIN

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for people living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and excited to bring on world-class talent to help shape the next chapter of our growth journey.

EarnIn is becoming an AI-native company, embedding AI agents into how we build, analyze, and operate across every function. Teams use AI Agents to move from ideas to execution faster. By letting agents handle repetitive tasks, our people can focus on judgment, creativity, and hard problems. We pair this experimentation with the strict review and security guardrails our regulated financial environment requires, always keeping a focus on privacy and the people who rely on our products.

As a company, we are becoming AI-native, and we encourage you to use AI tools throughout much of your interview process. If you use AI during the live interview, just say so; a quick, natural mention of how it helped and why you are using it is all we need. What we're evaluating is your judgment, reasoning, and ability to own and defend your work, not whether AI was involved. Some rounds, particularly those focused on your career history and past experiences, will not allow the use of AI, and we'll let you know of those in advance. When in doubt, ask your recruiter or interviewer directly.

POSITION SUMMARY

As a Senior Product Manager on our Risk team, you will play a pivotal role in our mission: reinventing the financial system and helping community members achieve a better financial position. You'll spearhead the expansion of our Risk Platform and spearhead groundbreaking product innovations to tackle challenges in Credit, Fraud, and Risk/Fraud Operations. Harnessing your product expertise, you'll architect the product strategy, uncover new insights, and drive relentless execution.

The Mountain View base salary range for this full-time position is $229,000-$280,000, plus equity and benefits. Our salary ranges are determined by role, level, and location. This hybrid position in Mountain View requires in-office work 2 days a week.

WHAT YOU'LL DO

Community-Centric Product Development: Stay closely attuned to our community's needs, fostering deep connections and insights to address their challenges effectively.
Cross-Functional Leadership: Lead a diverse team of engineers, designers, researchers, and analysts to scale impactful products that resonate with our community.
Goal-Oriented Approach: Define ambitious OKRs and stretch goals for your team, drive progress, and monitor metrics for product success.
Innovation & Iteration: Utilize user research and data analytics to identify and prioritize product opportunities, executing features and experiments to refine product offerings rapidly.
Risk Management: Develop and execute a robust risk management strategy for credit and fraud, integrating risk practices seamlessly into our products and processes.
Continuous Improvement: Drive initiatives to enhance the efficiency and effectiveness of risk management processes, instilling a culture of risk awareness and accountability.
Strategic Communication: Articulate the product vision, roadmap, and outcomes to internal stakeholders and community members, fostering transparency and alignment.

WHAT WE'RE LOOKING FOR

4+ years of relevant industry experience with at least 2+ years in Product Management.
Fluent with AI tools in your own workflow, using them to accelerate research synthesis, spec writing, prototyping, and data analysis, and excited to build products that get smarter through AI, not just faster to ship