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Lead Product Manager - Risk & Fraud

CardlessSan FranciscoProduct
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Salary
$200K - $250K USD
Job type
Full-time
Posted
24 Sept 2026
Status
Open · checked 9d ago

About this role

Cardless is hiring a Lead Product Manager for Risk & Fraud in San Francisco to shape advanced financial decisioning systems. This full-time, in-office position suits an analytical product leader eager to tackle complex fraud challenges at a growing fintech firm.

Role Overview

Cardless is searching for an experienced professional to lead the long-term vision for risk and fraud infrastructure. This position focuses on driving AI-powered decisioning that automatically adapts to new fraud patterns while minimizing friction for good users. Working from the San Francisco headquarters five days a week, the chosen individual will shape products that span transaction fraud, application risk, account takeovers, and disputes.

Key Responsibilities

Establish the roadmap for risk systems covering application fraud, ongoing account risk, transaction fraud, and dispute management.
Leverage platform data, partner inputs, and network signals to build a predictive and personalized decisioning engine.
Balance strict loss prevention with a smooth user experience by optimizing rules, thresholds, and automated actions.
Implement artificial intelligence and machine learning to improve detection capabilities and automate fraud decision processes.
Ensure all risk decisions remain fully explainable and auditable for internal investigations and tracking.
Evaluate and execute build-versus-buy strategies across the entire risk technology stack.
Create scalable risk capabilities that function seamlessly across multiple financial partners, products, and risk tolerances.
Track and report on risk performance metrics, linking decision outcomes directly to approvals, losses, and program economics.

Requirements

Background in building or owning risk, fraud, or decisioning products at a bank, financial institution, issuer, fintech, processor, or identity company.
Strong strategic vision regarding the application of artificial intelligence and machine learning in modern risk decisioning.
Exceptional analytical capabilities, with the ability to independently investigate data patterns and test hypotheses.
Technical depth to collaborate closely with data scientists and engineers on signals, rules engines, models, and edge cases.
Systems-thinking mindset capable of simplifying complex risk issues into structured product direction.
Clear communication skills to explain intricate risk concepts and set transparent team priorities.

Skills and Tools

Spark

Salary and Benefits

Annual starting salary range of $200,000 to $250,000
Meaningful start-up equity
100% primary coverage and 75% dependent coverage for health, vision, and dental
Catered daily lunches and a $250 monthly commuter benefit
Comprehensive parental leave and a 401(k) plan
Flexible PTO policy with a 15-day annual minimum
Apple work equipment, team building events, and regular happy hours

About the Company

Cardless builds infrastructure enabling top companies to launch customized financial and credit card products. The platform powers branded card journeys while handling lending, compliance, and backend operations. Backed by prominent investors like Spark Capital, the company operates with a team of over 70 people out of its Jackson Square office in San Francisco.

How to Apply

To apply for this position, visit the official Cardless careers page and submit your application online.

Skills and tech stack

Spark

Questions candidates ask

What is the location and work schedule for this role?

This position is based out of the Cardless headquarters in the Jackson Square neighborhood of San Francisco, CA, and requires working in the office 5 days a week.

What is the salary range for the Lead Product Manager - Risk & Fraud?

The annual starting salary range is $200,000 to $250,000, supplemented by equity and benefits. Final compensation depends on factors such as experience, skills, and location.

What benefits does Cardless offer employees?

Benefits include meaningful start-up equity, 100% primary health/vision/dental coverage (75% for dependents), catered lunches, a $250 monthly commuter stipend, parental leave, a 401(k) plan, Apple hardware, and flexible PTO with a 15-day minimum.

What experience is required for this position?

Candidates must have prior experience building or owning fraud, risk, or decisioning products at a fintech, bank, issuer, processor, or identity company, along with strong technical and analytical abilities.

How can I apply for the role?

Interested candidates should visit the official Cardless careers page to submit an application.

Ready to apply?

The application is on the official Cardless careers page.

Apply on company site