Principal Product Manager - Risk & Decisioning

Coinflow is the next-generation payment service provider revolutionizing global financial infrastructure with stablecoins, AI-driven fraud prevention, and instant settlement. Coinflow enables businesses to grow faster with instant settlement, fraud & chargeback indemnity, global pay-ins, multi-currency FX, and unified payouts. Founded in 2023, the company serves marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide.

Since our seed round in 2024, we’ve achieved 23x revenue growth and scaled to multi-billion-dollar annual transaction volume. In response to this growth, Coinflow announced a $25M Series A in October 2025—led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, and Reciprocal Ventures—accelerating our mission to power the world’s fastest-moving businesses with innovative, reliable global payments.

Coinflow is proudly headquartered in Chicago, IL. Learn more at coinflow.cash.

We're hiring a Principal Product Manager to own risk and decisioning across the Coinflow platform — the systems that decide, in real time, which transactions we approve and on what terms.

This is a role where product decisions carry direct P&L consequences. We don't pass risk through to our merchants; approval-rate and loss-rate outcomes land on our own books. That changes the job. Every threshold, model, and policy you ship is a bet with a cost, and you'll own both sides of it.

The surface area spans:

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• 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 — lending, BNPL, issuing, insurance, risk, or payments products where your employer carried the loss rather than passing it downstream

• Fluency with loss economics — you can reason about expected loss, unit economics, and how a policy change moves both revenue and exposure

• Experience productizing models — you've shipped against precision/recall tradeoffs and know what breaks when a model meets production traffic

• Track record of shipping end-to-end, from ambiguous problem to production, without a roadmap handed to you

• Strong communication across technical and non-technical stakeholders — you'll be explaining risk posture to engineers, finance, and merchants in the same week

• Fraud, underwriting, or credit risk product experience — you've owned a loss number, not just observed one

• Cross-border payments experience — you've worked risk across markets with different rails, regulators, and fraud patterns

• Product work under heavy regulatory constraint — NACHA, MiCA, BSA/AML, PSD2, or equivalent, where the regulation shaped the design

• Actuarial, quantitative finance, or data science background — formal or informal

The base salary range for this role is $175,000 - $225,000 USD. The actual base salary offered depends on a variety of factors, including but not limited to experience, education, skills, qualifications and business needs.

In addition, the employee who fills this role will be eligible for an equity grant, allowing you to share in the long-term success of the company. You will also have access to a wide array of benefits, including health and wellness benefits, 401(k) savings plan, and flexible time off.

Join the team rewriting how money moves worldwide—and become a driving force in the $194 trillion cross-border payments market.