Senior Product Manager (Risk Management )

About us:

Sunbit is the technology company rewriting the rules of everyday financing. At its core, Sunbit provides tailored credit solutions for retailers and platforms, specializing in Point-of-Sale (POS) financing and fee-free credit cards. We power the essential needs of local communities by partnering with over 30,000 locations, including 1 in 2 auto dealership service centers, leading dental practices, and specialty healthcare providers. With our massive real-world footprint and rapidly growing credit card, we are helping people from all walks of life maximize their hard-earned money through fair, transparent, and accessible credit.

The Opportunity

We are seeking an experienced Product Manager – Decisioning (Risk Management) to own and evolve Sunbit’s risk decisioning products. This role partners closely with ML Strategists, Engineering Leads and business stakeholders across our Card, BNPL, and emerging product products.

You will be responsible for defining and executing the product strategy that determines who we approve, on what terms, and at what expected loss, ensuring alignment with Sunbit’s risk portfolio, regulatory requirements, and long-term unit economics. Transitioning Sunbit from product-specific silos to a generic, high-velocity engine. This role requires strong judgment, deep analytical thinking, and the ability to translate complex risk logicinto scalable, explainable platforms.

Our Vision

We believe in a "win-win" future where personalized decisioning empowers real people in the real world to get the most for their hard-earned money. By moving away from "one-size-fits-all" credit and toward precision-driven finance, we ensure that a car repair, a dental visit, or an everyday purchase never becomes a financial burden.

Your Mission

As the Product Manager – Decisioning, your mission is to build an advanced, adaptable decisioning platform that eliminates financial waste and prepares Sunbit for its next stage of hyper-growth. You will architect the systems that determine how we approve, price, and manage risk—turning complex data into fair, instant, and transparent outcomes for millions of customers.

What You’ll Do:

Risk Strategy & Decisioning Ownership

Define and drive the product vision, strategy, and roadmap for Sunbit’s generic risk and credit decisioning systems. Translate business goals into clear, measurable product behavior across underwriting, pricing, limits, and lifecycle decisions, ensuring the platform can support diverse product lines without rebuilding core logic

Credit & Risk Decisioning Systems

Own the end-to-end decisioning platform (new product) , including real-time and lifecycle risk decisions, policy frameworks (rules and models), risk signal ingestion, persistence layers, and decisioning logic. Ensure the infrastructure is consistent, explainable, and scalable across multiple verticals.

Cross-Functional Partnership

Act as the glue in the "Decisioning Triangle," partnering with ML Leads and Engineer Leads to operationalize underwriting policies, while taking into account the trade-offs between approval rates, loss, revenue, and customer experience. Partner and balance competing requirements from various business owners (Heads of Card, BNPL, etc.) as well as Compliance, Legal, and Operations to ensure high-quality execution and regulatory integrity.

Hands-On Product Management

Act as a hands-on product manager for key initiatives, owning the full product lifecycle from discovery and definition through launch, iteration, and performance monitoring. Use data and experimentation to inform decisions and continuously improve outcomes. Identify and remove bottlenecks in the underwriting flow to drive toward high-automation and speed-to-market.

Risk Metrics & Business Outcomes

Own and drive core risk KPIs, including loss rate, performance, approval rates and customer friction introduced by risk controls. Ensure product decisions directly impact and improve business performance.

Lifecycle Risk Management

Treat risk as a continuous lifecycle by owning initial underwriting, line management, eligibility changes and early warning signals.

Your Focus Areas Will Include

• Building a unified engine that powers Card, BNPL, and future products.
• Credit underwriting and risk decisioning platforms
• Policy and model orchestration frameworks for rapid deployment.
• Risk signal ingestion and feature availability
• Lifecycle risk management (initial decision through repayment)
• Automated adverse action, explainability, and regulatory compliance
• Integration of fraud signals as part of holistic risk management

What You’ll Bring:

• 8+ years of product management experience, with significant ownership of complex, data-driven, platform-centric infrastructure.
• Strong experience in fintech, lending, or risk-related domains, with a solid understanding of credit risk, loss management.
• Proven ability to lead by merit and logic within a matrixed structure (partnering with ML Strategists and Squad Leads)
• Hands-on experience driving products from concept to launch, including writing requirements, managing backlogs, and using data to guide decisions
• Strong analytical and systems-thinking skills, with comfort making trade-offs in ambiguous environments
• Excellent communication skills, with the ability to explain complex risk concepts to technical and non-technical stakeholders, and a track record of balancing competing priorities from multiple business stakeholders.
• A proven ability to thrive in "technical chaos" and create order through structured roadmaps.
• A high sense of ownership, accountability, and bias toward actio
• Experience with AI tools and a strong interest in continuously exploring and applying them in everyday work are highly valued.

Bonus Points If You Have:

• Experience with credit models, underwriting systems, or decision engines
• Experience scaling risk systems across products or geographies
• Familiarity with fraud detection and prevention systems.