Principal Product Manager

Chime Financial•San Francisco, CA

4d•Hybrid

About The Position

We’re hiring a Principal Product Manager to lead Top of Funnel Lending at Chime. This is a platform role, not a single-product role: it spans every credit product we take top of the funnel for — loans, credit cards, lines of credit, and the products that come next. You’ll own how members discover, register for, and get approved for credit at Chime, setting acquisition and conversion strategy across the full lending portfolio and building the platform that every current and future lending product grows on top of. The opportunity here is enormous for Chime’s growth. It is bigger still for the millions of Americans looking for a fair source of liquidity — a little help getting past an unexpected expense, or a way out of bad debt. As our Principal Product Manager for Lending Top of Funnel, you’ll own the product end-to-end — from defining strategy and prioritizing investments to partnering across Engineering, Design, Data Science, Risk, Operations, Legal, Compliance, Marketing, and Finance to bring your vision to life. You’ll lead company-program-sized cross-functional efforts: building new registration flows into Chime; growing the funnel with credit bureaus, data rich affiliates, and other channels; partnering with Product Marketing to get sharp on channel optimization and CAC; and building the experiences that determine whether a member converts. This role reports to the Director of Product.

Requirements

11+ years of experience leading consumer product strategy and execution for high-impact digital products from concept through scale.
Direct experience growing the top of funnel for lending products — loans, credit cards, or lines of credit — at a major consumer business, with measurable results on application volume, conversion, and CAC.
A proven track record of owning complex product areas with measurable business outcomes, ideally including growth, monetization, or financial products.
Experience working with credit bureaus, affiliates, and acquisition marketplaces and partnering with Product Marketing on channel strategy.
Experience building or managing complex consumer financial platforms, high-scale fintech products, or mission-critical decisioning systems.
Experience making strategic product decisions in highly cross-functional environments with Engineering, Design, Analytics, Risk, and business partners.
Strong product intuition backed by data, with the ability to prioritize effectively and make thoughtful tradeoffs.
Experience building products that simplify complex customer problems and deliver exceptional user experiences.
Excellent communication and stakeholder management skills, with the ability to influence across functions and executive audiences.

Responsibilities

Own the strategy and roadmap for lending top of funnel end-to-end, across loans first, but additionally credit cards, lines of credit, and the credit products that come next.
Lead company-program-sized cross-functional efforts, starting with new registration flows into Chime.
Grow the funnel zero to one.
Partner deeply with Product Marketing on channel optimization and CAC to make acquisition efficient at scale.
Build the experiences that decide whether a member converts to Chime for their primary bank.
Give millions of Americans a fair source of liquidity when they need it, whether that’s covering an unexpected expense or getting out of bad debt.
Drive product decisions across the full product lifecycle, partnering closely with Engineering, Design, Data Science, Risk, Operations, Legal, Compliance, Marketing, and Finance.
Make high-conviction prioritization decisions and align cross-functional teams around a clear product vision, measurable outcomes, and business impact.
Use customer insights, experimentation, and data to continuously improve the member experience while growing a profitable business.
Serve as a product leader for the team, creating clarity, setting direction, and ensuring exceptional execution from strategy through launch.