Lead Product Manager, Risk

Trustly • San Francisco, CA

1d • $148,000 - $215,000 • Remote

About The Position

We're looking for a senior Risk Product Manager to own the strategy and execution for the risk platform that powers Trustly's payment guarantee. This is a high-ownership role: you'll shape the roadmap, partner directly with Data Science and Engineering on model integration and architecture, and drive decisions that affect approval rates, loss exposure, and guarantee economics across our merchant portfolio.
You'll need genuine domain depth — the ability to read a decision engine configuration, pressure-test a model threshold, and translate an ACH return pattern into a product requirement on the same day. Strategic thinking and hands-on rigor aren't optional here; they're the job.

Requirements

• 4–7 years in product management with direct experience in risk, fraud, or financial decisioning.
• Understand ACH or digital payments mechanics, dispute windows, and settlement timing —not just conceptually.
• Worked alongside data scientists to operationalize models — not just consuming outputs, but shaping feature sets, defining thresholds, and building monitoring into product design.
• Comfortable in SQL, and capable of engaging in technical design discussions without needing everything translated. You learn systems by using them.
• You write well, speak precisely, and calibrate for audience — a fraud escalation brief and an exec strategy memo require different registers, and you can write both.
• You write well, speak precisely, and calibrate for audience — a fraud escalation brief and an exec strategy memo require different registers, and you can write both.
• You've made consequential calls with incomplete information and can articulate your reasoning. You don't wait for consensus to form a view.

Responsibilities

• Define and execute the product direction for risk infrastructure — decisioning, model integration, rules management, and real-time controls — with clear prioritization across competing business needs.
• Work closely with Data Science to translate model outputs into operational product decisions: threshold design, feature requirements, monitoring frameworks, and feedback loops that close the loop between predictions and outcomes.
• Develop deep working knowledge of system architecture, data flows, and tooling so you can identify gaps, unblock engineering, and write requirements that don't need to be rewritten.
• Understand the approval/loss tradeoff at the segment level and make principled calls about where to tighten, loosen, or differentiate risk controls to optimize performance across the portfolio.
• Serve as the connective tissue between Risk, Engineering, Data Science, Finance, Legal, and Sales — translating complex risk capabilities into language each stakeholder can act on.
• Own the backlog, lead sprint planning with your engineering counterpart, and maintain a high-quality bar on story definition and acceptance criteria.

Benefits

• Flexible paid time off & generous PTO accrual plans
• Comprehensive medical, dental, vision, and other insurances
• FSA & HSA plans for medical and dependent care
• Home office set-up allowance
• Internet stipend
• Retirement plan match for 401k and RRSP
• Gender-neutral paid parental leave

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed