Head of Risk Product Strategy

Co-branded cards alone account for over $300 billion in U.S. annual spend, and most still run on legacy bank rails. Imprint is the modern alternative: flexible, embeddable, and built for how people actually pay today. Backed by Kleiner Perkins, Thrive Capital, Ribbit, and Khosla Ventures, we’re building a world-clas...

As Head of Risk Product Strategy, you will own the product strategy for Imprint's risk organization — spanning onboarding, underwriting, loan assignment, and collections. This is a senior individual contributor role with high visibility and direct impact on Imprint's core economics and customer experience.

You will serve as the connective tissue across risk-focused teams, translating complex risk signals into a coherent product vision and roadmap. Success in this role requires equal parts analytical rigor, cross-functional influence, and the leadership presence to align stakeholders and drive execution at pace.

Own the strategic roadmap for how risk capabilities are expressed in Imprint's product, spanning onboarding, underwriting, credit line management, authorization, fraud prevention, and account management
Identify opportunities where risk intelligence can improve the customer experience: smarter instant approvals, dynamic credit limits, real time fraud detection that doesn't create unnecessary friction, proactive line increases for strong performers
Define the sequencing and prioritization of risk product initiatives, balancing customer impact, revenue potential, loss reduction, and engineering feasibility
Conduct ongoing audits of risk systems to identify gaps, inefficiencies, and high impact improvement opportunities
Ensure every new product feature that touches a credit or risk decision has a clear risk strategy before it ships, not after
Own the strategic design of Imprint's credit decisioning framework: how applications are evaluated, how lines are assigned and managed, how step ups and step downs work, and how authorization rules balance fraud prevention with customer experience
Partner with data science to define where and how models are deployed in the product, what signals they consume, and how their outputs translate into customer facing decisions
Drive the evolution from static rule based decisioning toward dynamic, signal rich systems that adapt to customer behavior in real time
Serve as the primary strategic interface between risk and product/engineering, ensuring risk requirements are embedded in product specs, sprint planning, and architectural decisions
Partner with credit policy to ensure product level decisioning aligns with risk appetite, regulatory requirements, and portfolio strategy
Work with finance to model the economic impact of risk product initiatives, quantifying how changes to decisioning, limits, or authorization rules flow through to revenue, losses, and contribution margin
Collaborate with brand partners and GMs to tailor risk product strategy to partner specific economics, customer bases, and growth objectives
Translate complex risk data and trends into clear, actionable recommendations for senior leadership
Define the risk product blueprint for new partner launches: how underwriting, line assignment, fraud controls, and servicing logic should be configured for each new program based on partner economics and target customer profile
Ensure new launches are instrumented for rapid learning. The right data is captured, the right holdouts are in place, and the feedback loop from early performance to strategy adjustment is built in from day one
Identify opportunities to extend risk capabilities across the portfolio, where a solution built for one partner can be generalized and deployed to others
Define the KPI framework for risk product performance, connecting decisioning quality to downstream outcomes (approval rates, activation, utilization, loss rates, customer satisfaction)
Build the feedback loops that turn portfolio performance data into product improvements, ensuring the system learns and compounds over time
Establish a test and learn discipline for risk product changes: structured experimentation, clean measurement, and rigorous readouts that separate signal from noise
Self serve on data analysis using SQL and analytics tooling to identify trends and surface insights independently
Leverage AI tools (e.g., Claude) to accelerate analysis, synthesis, and strategy development

10+ years of experience spanning risk strategy and product strategy in consumer lending, cards, or fintech, with meaningful time on both sides of the risk product boundary
Deep understanding of credit card economics end to end: underwriting, line management, authorization, loss forecasting, and how product decisions flow through to portfolio P&L
Proven track record of building risk capabilities that are embedded in product, not layered on top. You've shipped features where risk logic was a core design element
Ability to operate across onboarding, underwriting, and collections with a clear understanding of how risk decisions affect both unit economics and customer experience
Strong technical fluency: comfortable with SQL, familiar with how ML models are built and deployed, able to self serve on data and engage with engineering on system architecture without being an engineer
Experience defining and prioritizing product roadmaps, writing strategic documents, and driving cross functional alignment at the leadership level
Judgment and credibility to operate at the intersection of risk (conservative by nature) and product (biased toward speed). You know when to push for more velocity and when to pump the brakes
Exceptional communication skills: you can explain a complex risk product tradeoff to a brand partner, a CFO, or an engineer and have all three walk away with clarity
Comfortable working with AI tools (e.g., Claude) as a core part of the workflow
Experience with machine learning concepts or Python-based modeling (depth not required, but familiarity valued)
Background managing or coordinating across multiple risk-focused teams or functions
Exposure to consumer lending, credit card, or BNPL products
Experience operating at L5/L6 scope in a high-growth, fast-moving environment