Principal Product Manager - Risk & Decisioning

About Coinflow

Coinflow is a next-generation payment service provider revolutionizing global financial infrastructure with stablecoins, AI-driven fraud prevention, and instant settlement. Founded in 2023, the company serves marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide. Since its seed round in 2024, Coinflow has achieved 23x revenue growth and scaled to multi-billion-dollar annual transaction volume. In October 2025, Coinflow announced a $25M Series A led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, and Reciprocal Ventures, accelerating its mission to power the world’s fastest-moving businesses with innovative, reliable global payments. Coinflow is proudly headquartered in Chicago, IL.

Role Overview

We are hiring a Principal Product Manager to own risk and decisioning across the Coinflow platform. This role involves setting policy, defending positions, and being accountable for both the approval-rate and loss-rate outcomes. The role covers real-time decisioning, loss economics, merchant-facing risk product, risk operations tooling, and evaluating and integrating risk infrastructure.

What You'll Do

• Own the approval-rate and loss-rate tradeoff
• Set policy, defend the position, and be accountable for both numbers
• Productize risk models
• Work with data science to turn models into decisioning products with clear thresholds, monitoring, and failure behavior
• Build the loss economics view
• Partner with finance to understand exposure at the portfolio and merchant level, and translate that into pricing and policy recommendations
• Ship merchant-facing risk product
• Decisioning transparency, controls, and reporting that reduce support load and increase trust
• Evaluate and integrate risk infrastructure
• Avoid incomplete data by making calls and instrumenting to learn fast

What You Need

• 7+ years of product management experience, including ownership of a technically complex or regulated surface area
• Experience with products where a wrong decision costs the company money (e.g., lending, BNPL, issuing, insurance, risk, or payments products)
• Fluency with loss economics
• Experience productizing models
• Strong communication across technical and non-technical stakeholders
• Comfortable owning expensive decisions
• Rigorous with data, decisive without it
• Operational depth
• Attention to edge cases and failure modes
• Founder or early-employee instincts

About You

• Comfortable owning expensive decisions
• Rigorous with data, decisive without it
• Operational depth
• Attention to edge cases and failure modes
• Founder or early-employee instincts
• Drawn to hard problems
• Fraud, underwriting, or credit risk product experience
• Cross-border payments experience
• Product work under heavy regulatory constraint
• Actuarial, quantitative finance, or data science background

What You Get

• Base salary range: $175,000 - $225,000 USD
• Eligibility for an equity grant
• Access to a wide array of benefits, including health and wellness benefits, 401(k) savings plan, and flexible time off