Principal Product Manager, Fraud and Risk

Essential Job Duties & Responsibilities

• Set and drive the end-to-end fraud and risk product strategy across credit products, consumer payments, and the homeowner app, delivering strong protection without compromising experience.
• Own the roadmap for fraud detection and risk scoring systems, and partner closely with Engineering and Data Science to advance models, rules, and real-time defenses.
• Partner with Security to strengthen identity and account integrity, shaping product- side risk controls (KYC/KYB, device intelligence, behavioral signals) that mitigate synthetic IDs, ATO, and mule activity.
• Lead the strategy to prevent fraud-driven disputes and chargebacks by strengthening upstream controls, improving decisioning logic, and reducing opportunities for abuse before they reach Operations.
• Analyze fraud patterns, model performance, losses, and false positives, and make sharp, data-driven decisions that reduce fraud while preserving customer experience.
• Manage key vendor relationships and evaluate new technologies, signals, and platforms that can strengthen our fraud and risk defenses.
• Collaborate with Compliance and Legal to ensure fraud and risk systems meet regulatory requirements and are audit-ready.
• Communicate risks, trends, and mitigation plans to senior leadership with clarity, urgency, and high signal.

Required Skills, Knowledge & Abilities

• 10+ years of fraud, risk, identity, or trust & safety product experience in fintech, banking, lending, payments, or consumer finance.
• Proven success designing fraud/risk systems, working with DS/ML teams, and shipping high-impact risk products at scale.
• Deep understanding of fraud vectors (ATO, synthetic identities, mule accounts, friendly fraud, credit abuse, chargebacks).
• Experience with KYC/AML, sanctions, adverse media, dispute regulations, and compliance alignment.
• Strong analytical abilities, fluent with metrics, funnels, decision trees, and interpreting model outputs.
• Ability to lead teams, influence senior stakeholders, and make crisp tradeoffs between risk mitigation and growth.
• High-signal communication: clear, structured, authoritative.