Senior Product Manager

About Finfare Financial:

Finfare Financial offers a Next Generation Business Card program that redefines the future of modern finance.  We combine working capital with an enterprise-grade AI/Machine learning solutions suite, empowering businesses to grow faster. Finfare Financial is dedicated to empowering Scaling and Middle Market businesses with market leading 1.5% cashback rebates, 30/60/90 day repayment options, bill payment, expense management integration and a Next Level+ Rewards program that delivers AI/Machine Learning solutions to support business growth. 

About the Role:

You will own the product strategy and roadmap for core card systems, onboarding flows, fraud prevention, and AI/ML-enhanced risk tooling. This includes collaborating with legal, compliance, engineering, and data science to deliver a platform that is both user-centric and regulation-ready.

This role is ideal for someone who thrives in a cross-functional environment and enjoys balancing innovation with the rigor required in financial services.

• You'll help shape the core systems that define how our customers access, use, and trust our product.
• You’ll work at the intersection of cutting-edge AI, financial compliance, and user experience.
• You'll be part of a high-caliber team with a deep mission to modernize business financial tools.

What You’ll Do:

• Card Infrastructure: Drive the evolution of our issuing stack - card lifecycle, authorization rules, repayment logic, BIN management, and network integrations.
• Fraud & Risk: Build tooling and platform features that detect, prevent, and respond to fraud at scale. Develop strategies for real-time decisioning and anomaly detection.
• AI & ML Collaboration: Partner closely with Data Science to embed ML into underwriting, fraud scoring, and behavioral risk models.
• Onboarding & KYC: Design onboarding workflows (KYB/KYC), integrate third-party verifiers (e.g., Alloy, Unit21, Socure), and improve time to value while maintaining compliance.
• Compliance & Legal Alignment: Work closely with legal and compliance teams to ensure adherence to regulatory requirements (UDAAP, Reg Z, Fair Lending, state-specific fee limits).
• Operational Tooling: Enable internal teams (Risk Ops, Support, Compliance) with platforms that scale decisions, reduce manual effort, and improve customer outcomes.
• Partner Management: Collaborate with sponsor banks, processors, and fraud vendors to deliver solutions that meet contractual and operational standards.
• Other duties as assigned.

Qualifications:

• 5-7+ years of product management experience in fintech, card issuing, fraud/risk infrastructure, or ML platforms.
• Experience working on technical products that include APIs, data pipelines, and real-time systems.
• Fluency in how fraud, KYC, and compliance intersect with customer onboarding and lifecycle.
• Familiarity with tools like Alloy, Sardine, Unit21, and machine learning model pipelines.
• Strong collaboration skills—particularly across Legal, Compliance, Risk, and Data Science.
• An ability to simplify complexity and clearly communicate strategy, prioritization, and tradeoffs.

Bonus Points

• Exposure to charge cards, pay-over-time models, or credit underwriting platforms.
• Experience with Visa or Mastercard rules and disputes frameworks.
• Knowledge of how AI/ML is regulated in financial services (model explainability, bias mitigation).
• Prior experience in scaling risk and legal policies across multiple U.S. states or globally.

Compensation

The salary range for this position is $130k - $180k (depending on experience).

Benefits at Finfare Financial

• Competitive health, vision, and dental benefits (covering 100% premium for employee and all dependent(s)).
• Unlimited PTO
• 401K (with 4% employer matching)
• Catered lunches 5 times a week in Irvine, CA headquarters
• Employee stock purchase plan (if applicable)
• Health and wellness reimbursement through Gympass
• Dog days
• Work sponsorship (if applicable)
• Other employee perks

As part of our dedication to the diversity of our workforce, Finfare Financials is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of race, color, religion, creed, national origin or ancestry, sex, gender, gender identity, gender expression, sexual orientation, age, physical or mental disability, medical condition, marital/domestic partner status, military and veteran status, genetic information or any other legally recognized protected basis under federal, state or local laws, regulations or ordinances.