Product Manager, Credit & Risk Engineering

What You’ll Do
Own the roadmap and sequencing for the Credit & Risk Engineering squad across three domains — starting with the trade-off between paying down risk infrastructure debt and building the FlexLine decisioning engine.

Own the decisioning and automation systems that drive KYB/KYC approval speed and accuracy, delivered so Float’s risk operations team can hit its approval-time targets.

Own the tooling behind fraud detection, AML compliance, payments operations, and dispute resolution — daily infrastructure the company already depends on.

Own risk decision operating cost per account as your team’s primary efficiency metric, proving the systems scale without proportional headcount growth.

Own the in-app credit experiences — applying for credit, viewing balances and limits, setting up repayments — and their target speed, in support of Float’s credit product roadmap.

Be the standing source of truth on where the credit product roadmap ends and credit-engineering scope begins, in ongoing partnership with the GM of Credit.

About You
Here’s what sets you up for success at Float:
You Put Customers First, Always. You care deeply about delivering meaningful value. Whether you’re building internal systems or customer-facing features, you’re always thinking about how to make life better for our users.

You Act Like an Owner. You take responsibility for outcomes, step up to challenges, and seek solutions proactively—doing what’s best for the business, not just your role.

You Think Big and Move Fast. You’re energized by building from 0 to 1. You’re not afraid to challenge the status quo, experiment quickly, and learn as you go.

You Constantly Learn and Grow. You’re hungry to improve your craft and open to feedback. You bring a growth mindset to everything you do.

You Raise the Bar. You care about doing things well and efficiently. You balance speed with rigor and always look for ways to improve how we work.

You Win as a Team. You’re a generous collaborator who values communication, context, and shared wins. You lift others up and help make the team stronger.

What You’ll Bring:
5+ years of product management experience, with meaningful time personally owning a credit underwriting or risk-decisioning outcome — not just supporting one.

A track record building and owning infrastructure or internal-tooling products where another team, not an end customer, is who you’re building for.

Real comfort operating inside compliance-heavy domains — KYB/KYC, transaction monitoring, fraud, AML, payments operations, or disputes.

An automation-first instinct: your default question is how a decision becomes automatic, not what the screen looks like.

Experience sequencing a roadmap under real capacity constraints, including saying no to work that looked mandatory.

Comfort negotiating and holding scope boundaries with senior, opinionated stakeholders you don’t manage.

This May Not Be the Role for You If:
You want to spend most of your time on customer-facing product experiences — this role is almost entirely about the systems behind them.

You’re energized by visible launches and find debt-paydown or “keep the lights on” work unrewarding — the first phase here is deliberately about stabilizing existing systems before new build.

You want one clear manager and one roadmap — this seat drives outcomes for three separate leaders (credit, growth, and risk operations) who each own a piece of the result.