Director, Risk Product Management and Team Operations

Trustly•San Francisco, CA

17h•Hybrid

About The Position

Trustly is hiring a Director to own product strategy for its North American risk decisioning and collections platforms and to run the operating rhythm for its Data and Risk organizations. The role is responsible for ensuring teams plan effectively, deliver commitments, and complete critical risk operations and compliance work on time. The Director will lead product strategy and roadmaps for risk decisioning, collections, and risk operations tooling. This includes real-time decisioning, scoring, decision-time facts and scores, configurable rules, collections and recovery workflows, consumer communications, reconciliation, vendor integrations, alerts, case management, manual review queues, and merchant risk settings. The role partners with engineering, data science, data platform, portfolio risk management, compliance, and legal to set priorities, define requirements, make architecture and build-versus-buy decisions, and deliver platforms that meet business and regulatory needs. The position also runs planning and operating processes across Data and Risk, including operational tracking, leadership meetings, business reviews, quarterly readouts, annual and quarterly planning, OKRs, staffing, budgets, vendor management, and executive and board materials. It manages and develops risk and collections product managers and operations staff, establishes product management standards, and leads cross-functional programs and special projects. The position is hybrid, based in Trustly's San Francisco or New York hubs, with an expectation to be in the office Tuesday through Thursday.

Requirements

10+ years of product management experience, including at least 5 years leading risk, fraud, or collections products in payments or financial services.
Experience building real-time decisioning platforms, including rules engines, model scores in the decision path, and rule authoring with simulation and rollback.
Experience leading product managers and partnering with engineering on architecture, build-versus-buy decisions, and delivery.
Experience shipping ML-driven products with data science teams.
Experience translating regulatory and compliance obligations into product requirements with Compliance and Legal.
Experience running planning and operating cadence for a multi-team organization, including OKRs, headcount, budget, business reviews, and executive and board materials.
Data and analytics fluency, with the judgment to identify when a number is wrong.
Bachelor's degree or equivalent experience.

Nice To Haves

ACH or EFT domain expertise.
Experience with open banking or account-to-account payments.
Product or operations experience in collections and recovery, including agency and vendor management.
Background in chief of staff, strategy and operations, or technical program management.
Experience using AI to automate operational workflows and reporting.
MBA.

Responsibilities

Own the product strategy and roadmap for the risk decisioning and collections platforms, tied to approval rate, loss, and recovery rate.
Lead the risk decisioning platform, including the real-time decision engine, scoring path, latency and availability, decision-time facts and scores, and self-service rule and threshold authoring with versioning, simulation, test mode, and rollback.
Lead the collections platform, including representment, retry and recovery workflows, consumer communications, reconciliation, and collections agency and vendor integrations within applicable regulations.
Lead risk operations tooling, including alert and case management, manual review queues, and per-merchant risk settings.
Partner with Risk Engineering on architecture, build-versus-buy decisions, release planning, and delivery.
Run a prioritization process across both platforms, making trade-offs clear across cost, risk, and engineering capacity.
Translate risk requirements and regulatory obligations into product requirements and launch criteria with Portfolio Risk Management, Risk Data Science, Compliance, and Legal.
Work with Risk Data Science and Data Platform to define how models and features reach the production decision path.
Maintain a central tracker of operational tasks, owners, and due dates across Data and Risk.
Monitor critical risk operations and compliance deliverables, including audit and regulatory requests, and flag items at risk of slipping.
Follow up with task owners to ensure critical items are completed on time; provide regular status updates to the Chief Data and Risk Officer and escalate blockers.
Run the Data and Risk leadership cadence, including staff meetings, monthly business reviews, and quarterly readouts, and follow decisions and actions through to closure.
Run annual and quarterly planning for Data and Risk, including OKRs, roadmaps, headcount, and budget, in partnership with Finance and People.
Track hiring, headcount, and spend against plan.
Manage data, risk, and collections vendors with Procurement, Finance, and Legal, including selection, contract renewals, and spend.
Prepare executive and board materials for the Chief Data and Risk Officer.
Lead cross-functional programs and special projects across Data and Risk.
Bring AI and automation into status reporting, planning, and team workflows.
Hire, manage, and develop risk and collections product managers and operations staff.
Set Risk product management standards for requirements, launch reviews, and post-launch measurement.