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Lead Product Manager - Risk & Fraud

Cardless· Product
Apply on company site
San Francisco$200k - $250kFull-timePosted 3w ago

About the role

Lead Product Manager focused on risk and fraud, responsible for building AI-powered decisioning systems, balancing loss prevention with customer friction, and defining risk strategy across partners, customers, products, and risk appetites.

Responsibilities

  • Set the long-term vision and roadmap for risk and fraud systems, spanning application fraud, account takeover, transaction fraud, ongoing account risk, and disputes.
  • Turn Cardless's data into an intelligence advantage, combining partner, behavioral, financial, and network signals to make decisioning more predictive and personalized.
  • Own how risk and fraud decisions are made, from signals and models to the rules, thresholds, and actions they drive, balancing loss prevention with friction for good customers.
  • Take our decisioning to the next level with AI and machine learning, improving detection, adapting to emerging fraud patterns, and automating more decisions.
  • Make every decision explainable and auditable, so teams can understand why it was made, trace the signals behind it, and investigate when needed.
  • Make the right build-vs-buy decisions across the risk stack, own what differentiates Cardless, and use external vendors where they make sense.
  • Design risk capabilities that work across partners, customers, products, and risk appetites without creating one-off systems.
  • Define how we measure and communicate risk performance, connecting decisions to approvals, losses, customer friction, and program economics while giving partners clear visibility into performance.

Qualifications

  • You've built or owned fraud, risk, or decisioning products at a bank, issuer, processor, fintech, or fraud and identity company, and understand how quickly the space evolves.
  • You have a strong point of view on where AI and machine learning can take risk decisioning, and can translate that vision into better decisions and customer outcomes.
  • You're highly analytical and comfortable working directly with data, able to investigate patterns, test hypotheses, and get to answers yourself.
  • You're technically strong and comfortable going deep with engineers and data scientists on signals, models, rules engines, decision flows, and edge cases.
  • You think in systems and can turn complexity into clear product direction, connecting risk decisions to customer experience, compliance, operations, and partner economics.
  • You're an excellent communicator who makes complex risk problems understandable, clearly explaining what matters, what we're prioritizing, and why.

Skills

Required:Fraud/risk product ownershipAI/ML in risk decisioningData-driven analyticsCross-functional leadership

Benefits

  • Meaningful Start-up equity
  • 100% health, vision & dental primary coverage
  • 75% health, vision & dental dependent coverage
  • Catered lunches
  • $250/month Commuter benefit
  • Parental leave
  • Team building events & happy hours
  • Flexible PTO with a minimum of 15 days off per year
  • Apple equipment
  • 401k plan
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Cardless

Build credit into your product experience.

Build credit into your product experience. Run it end to end with modular APIs, pre-built components, analytics, and full-service infrastructure.

Credit card platformAPIEmbedded finance
Company profileWebsite

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