Clutch

Senior Product Manager, Risk and Payments

Clutch

full-time

Posted on:

Origin:  • 🇺🇸 United States

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Job Level

Senior

About the role

  • Own and scale the risk and payments experience across Digital Account Opening and Lending, building checks, controls, and payment flows to keep the system secure while ensuring members don’t get stuck.
  • Provide bandwidth relief across AO when needed — supporting Consumer and Business AO product work during peak demand.
  • Ramp up on current risk and payments workflows and key customer needs within 3 months; take ownership of the backlog and bring structure to urgent escalations around payments and fraud; build clear product plans to drive alignment with engineering.
  • Deliver measurable lifts within 6 months: stronger product controls for risk management across payment types; execute build-vs-partner strategy with third-party partners; establish leadership in the space and engage directly with customers and escalations.
  • Within 9 months: be the trusted DRI across Account Opening + Lending for risk and payments; shift the org from firefighting to predictable configurable payment and fraud controls; absorb AO bandwidth needs during scaling while keeping Risk & Payments on track.
  • Work shoulder-to-shoulder with engineers and GTM peers, driving clarity and tough tradeoffs, and partner with AO PMs on shared capabilities.

Requirements

  • You’ve shipped product in high-stakes domains (payments, risk, compliance, or fintech infra).
  • Ability to balance user vs compliance tradeoffs and short- vs long-term goals.
  • Proven ability to thrive in fast-paced environments; you bring urgency, energy, and follow-through.
  • 3+ years of PM experience in B2B or fintech environments.
  • Collaboration skills: Partner across product, engineering, and GTM — holding the line on judgment while ensuring customers feel heard.
  • Flexibility: Willingness to step in and help on AO bandwidth beyond Risk & Payments.