Lead Product Manager – Risk Decisioning Platform

Job Summary

At Pay Pal, real-time decision‑making powers customer protection and global commerce. Our Risk Decisioning Platform drives fraud, credit, and compliance decisions, processing massive signal volumes in milliseconds. We’re looking for a Lead Product Manager to own the strategy, roadmap, and execution for a core platform pillar. You’ll work backwards from measurable outcomes—loss reduction, CX, efficiency, and revenue—translating them into grounded specifications.

You’ll collaborate with engineering, data science, risk strategy, and UX to build scalable solutions, track platform health metrics, drive legacy migration, and enable real‑time experimentation and rule governance. You’ll lead product reviews and steering‑committee updates as a subject‑matter expert. The ideal candidate brings a strong technical foundation in large‑scale platforms—recommendation engines, real‑time inference systems, or ML/AI infrastructure—with broad impact across fraud, credit, and compliance.

• Provide input to product strategy with cross‑functional stakeholders, ensuring alignment with the shared vision for the product or enabling platform.
• Implement the architectural roadmap that balances innovative design and technical implementation while meeting regulatory requirements, time‑to‑market, customer needs, and product profitability.
• Control the customer experience and customer needs in product requirements, and incorporate them into decision making.
• Monitor metrics that inform product success, including usability studies, research, and market analysis.
• Manage one or more work streams to include analytics, customer discovery, market research, and competitive analysis to drive data‑driven decision making.
• Track product profitability measures, including budget.
• Participate in operational mechanisms that drive execution and accountability, including Product Reviews, Operating Reviews, and Business Reviews. Interface with product and technology leadership as needed.
• Partner with content developers, data scientists, product designers, and user experience researchers.

• 5+ years relevant experience and a bachelor’s degree, or an equivalent combination of education and experience.

• Experience building or managing products in the decisioning, recommendation engine, or real‑time scoring space (e.g., fraud scoring, credit underwriting, personalization platforms).
• Familiarity with feature stores, real‑time inference pipelines, rule engines, or A/B experimentation frameworks.
• Track record of driving platform adoption across multiple internal customer teams.
• Strong data intuition: ability to define and interpret platform metrics, run analyses, and translate findings into product decisions.
• Experience with agile delivery at scale, including cross‑team dependency management and milestone‑driven roadmap execution.

5%

The base pay for this role will depend on location, relevant experience, and expertise. The expected pay range is:

• San Jose, California: $ – $ Annually
• Chicago, Illinois: $ – $ Annually
• Austin, Texas: $ – $ Annually

Additional compensation may include an annual performance bonus, equity, or other incentive compensation, as applicable.

At Pay Pal, we’re committed to building an equitable and inclusive global economy. We offer comprehensive, choice‑based programs to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.

Pay Pal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. In addition, Pay Pal will provide reasonable accommodations for qualified individuals with disabilities.