Lead Product Manager, Risk

WHO WE ARE At Trustly, we're building a smarter, faster, and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed, and ease to millions of consumers and merchants worldwide. Our Ambition: To build the world’s most disruptive payment network and redefine what the payment experience should feel like. Trustly is a global team of innovators, collaborators, and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, and high-growth environment, join us and be part of a team that’s transforming the way the world pays. ABOUT THE ROLE 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. What you'll do: Platform strategy and roadmap. 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. AI/ML integration. 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. Technical fluency. 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. Guarantee economics. 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. Cross-functional alignment. 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. Delivery. Own the backlog, lead sprint planning with your engineering counterpart, and maintain a high-quality bar on story definition and acceptance criteria. Who you are: Domain expert. 4–7 years in product management with direct experience in risk, fraud, or financial decisioning. You understand ACH or digital payments mechanics es, dispute windows, and settlement timing —not just conceptually. AI/ML fluent. You've worked alongside data alize models — not just consuming outputs, butshaping feature sets, defining thresholds, and building monitoring into product design. Technically rigorous. Comfortable in SQL, fture, and capable of engaging in technicaldesign discussions without needing everything translated. You learn systems by using them. Analytically sharp. 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. Clear communicator. You write well, speak pr audience — a fraud escalation brief and anexec strategy memo require different registers, and you can write both. High judgment under ambiguity. You've made consequential calls with incomplete information and can articulate your reasoning. You don't wait for consensus to form a view. Applications for this role are accepted on an ongoing basis. SALARY RANGES IN US-BASED ROLE POSTING Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Recruiters can share more information with applicants about the specific salary range for preferred locations during the hiring process. Please note that the compensation details listed in US role postings reflect the base salary only and do not include other perks and benefits. WHAT WE OFFER At Trustly, you’ll have the chance to solve meaningful challenges alongside some of the brightest minds in FinTech. Together, we’re shaping the future of payments in an environment that celebrates curiosity, collaboration, and innovation. You'll be challenged and empowered to grow, making a real impact every step of the way. Our team is as diverse as the global footprint we serve, with colleagues across Silicon Valley, the U.S., Canada, Brazil, Europe, and beyond. At Trustly, we foster a workplace where everyone feels they belong—a place where teamwork thrives, ideas flourish, and we never forget to have fun along the way. We offer innovative perks and benefits packages that include: - 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, and more! (The benefits and total compensation packages outlined above are for full-time employees; some exclusions apply for temporary positions.) At Trustly, we embrace and celebrate diversity of all forms and the value it brings to our employees and customers. We are proud and committed to being an Equal Opportunity Employer and believe an open and inclusive environment enables people to do their best work. All decisions regarding hiring, advancement, and any other aspects of employment are made solely on the basis of qualifications, merit, and business need.