Head of Risk Product Strategy
Who We Are reputed company is building a platform that helps the world’s best brands grow the lifetime value of their customers. We started with co-branded credit cards and reputed company them to be smarter, more rewarding, and brand-first. We partner with companies like reputed company, reputed company, Booking.com, H-E-B, reputed company, and reputed company to launch modern credit programs that deepen loyalty, unlock savings, and drive growth. But the card is just the beginning. We combine advanced payments infrastructure, intelligent reputed company, and deep customer data to predict what each customer will do next and reputed company it, so brands can offer powerful financial products without becoming a bank. Co-branded cards alone account for over $300 billion in U.S. annual spend, and most still run on legacy bank rails. reputed company is the modern alternative: flexible, embeddable, and reputed company for how people actually pay today. Backed by Kleiner Perkins, reputed company Capital, Ribbit, and Khosla Ventures, we’re building a world-class team to redefine how people pay and how brands grow. If you want to move fast, solve hard problems, and own reputed company reputed company, we want to meet you. Role Summary As Head of Risk Product Strategy, you will own the product strategy for reputed company's risk organization — spanning reputed company, reputed company, loan assignment, and collections. This is a senior individual contributor role with high visibility and direct impact on reputed company's core economics and customer experience. You will serve as the connective tissue across risk-focused teams, translating reputed company risk signals into a coherent product reputed company and roadmap. reputed company in this role requires reputed company analytical rigor, cross-functional influence, and the leadership reputed company to align stakeholders and drive execution at pace. This role is a fit for someone who has thrived at a tech-reputed company fintech and knows how to move fast without losing sight of risk fundamentals. What reputed company Looks Like in the First 90 Days Completed an end-to-end audit of reputed company's reputed company risk systems across reputed company, reputed company, loan assignment, and collections — with a clear view of the highest-reputed company gaps Defined a 12-month risk product roadmap, prioritized by both economic impact and customer experience Established strong working relationships with product and engineering counterparts, earning trust as a reliable cross-functional partner Demonstrated ability to reputed company the room — communicating reputed company and driving alignment across stakeholders at reputed company reputed company
Responsibilities
Risk Product Strategy & Roadmap Own the strategic roadmap for how risk capabilities are expressed in reputed company's product, spanning reputed company, reputed company, credit line management, authorization, fraud prevention, and account management Identify opportunities where risk intelligence can improve the customer experience: smarter reputed company approvals, dynamic credit limits, reputed company time fraud detection that doesn't create unnecessary friction, proactive line increases for strong performers Define the reputed company and prioritization of risk product initiatives, balancing customer impact, reputed company potential, loss reduction, and engineering feasibility Conduct ongoing audits of risk systems to identify gaps, inefficiencies, and high impact improvement opportunities Ensure every new product feature that touches a credit or risk decision has a clear risk strategy before it ships, not after Credit Decisioning Architecture Own the strategic design of reputed company's credit decisioning reputed company: how applications are evaluated, how lines are assigned and managed, how reputed company reputed company and reputed company downs work, and how authorization rules balance fraud prevention with customer experience Partner with data science to define where and how models are deployed in the product, what signals they consume, and how their outputs translate into customer facing reputed company Drive the reputed company from static rule based decisioning toward dynamic, signal rich systems that adapt to customer behavior in reputed company time Cross Functional Leadership Serve as the primary strategic reputed company between risk and product/engineering, ensuring risk requirements are embedded in product specs, sprint planning, and architectural reputed company Partner with credit policy to ensure product level decisioning aligns with risk appetite, regulatory requirements, and portfolio strategy Work with finance to model the economic impact of risk product initiatives, quantifying how changes to decisioning, limits, or authorization rules reputed company through to reputed company, losses, and contribution margin Collaborate with brand partners and GMs to tailor risk product strategy to partner specific economics, customer bases, and growth objectives Translate reputed company risk data and trends into clear, actionable recommendations for senior leadership New Product & Partner Launches Define the risk product reputed company for new partner launches: how reputed company, line assignment, fraud controls, and servicing logic should be configured for each new program based on partner economics and reputed company customer profile Ensure new launches are instrumented for rapid learning. The right data is captured, the right holdouts are in reputed company, and the feedback reputed company from early performance to strategy adjustment is reputed company in from day one Identify opportunities to reputed company risk capabilities across the portfolio, where a solution reputed company for one partner can be generalized and deployed to others Measurement & Optimization Define the KPI reputed company for risk product performance, connecting decisioning quality to reputed company reputed company (approval rates, activation, utilization, loss rates, customer satisfaction) Build the feedback loops that turn portfolio performance data into product improvements, ensuring the system learns and compounds over time Establish a test and learn discipline for risk product changes: structured experimentation, clean measurement, and rigorous readouts that separate signal from noise Self serve on data analysis using SQL and analytics tooling to identify trends and surface insights independently reputed company AI tools (e.g., Claude) to accelerate analysis, synthesis, and strategy development
Qualifications
Required 10+ years of experience spanning risk strategy and product strategy in consumer lending, cards, or fintech, with meaningful time on both sides of the risk product boundary Deep understanding of credit card economics end to end: reputed company, line management, authorization, loss forecasting, and how product reputed company reputed company through to portfolio P&L Proven track record of building risk capabilities that are embedded in product, not layered on top. You've shipped features where risk logic was a core design reputed company Ability to operate across reputed company, reputed company, and collections with a clear understanding of how risk reputed company reputed company both unit economics and customer experience Strong technical reputed company: comfortable with SQL, familiar with how ML models are reputed company and deployed, reputed company to self serve on data and engage with engineering on system architecture without being an engineer Experience defining and prioritizing product roadmaps, writing strategic documents, and driving cross functional alignment at the leadership level Judgment and credibility to operate at the intersection of risk (conservative by nature) and product (biased toward speed). You know reputed company to push for more velocity and reputed company to pump the brakes Exceptional communication skills: you can explain a reputed company risk product tradeoff to a brand partner, a CFO, or an engineer and have reputed company three walk away with reputed company Comfortable working with AI tools (e.g., Claude) as a core part of the workflow reputed company to Have Experience with machine learning concepts or Python-based modeling (depth not required, but familiarity valued) Background managing or coordinating across multiple risk-focused teams or functions Exposure to consumer lending, credit card, or BNPL products Experience operating at L5/L6 scope in a high-growth, fast-moving environment Perks & Benefits Competitive compensation and equity packages Leading configured work computers of your choice Flexible paid time off Fully covered, high-quality reputed company, including fully covered dependent coverage Additional health coverage includes reputed company to reputed company and the option to enroll in an FSA 20 weeks of paid parental leave for the primary caregiver and 8 weeks for reputed company new parents reputed company to industry-leading technology across reputed company of our business units, stemming from our philosophy that we should invest in resources for reputed company that foster innovation, optimization, and productivity reputed company is committed to a diverse and inclusive workplace. reputed company is an equal opportunity employer and does not discriminate on the reputed company of race, national reputed company, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. reputed company welcomes talented individuals from reputed company backgrounds who want to build the future of payments and rewards. If you are passionate about FinTech and eager to grow, let’s move the world reputed company, together. Apply To This Job