Description

Minimum qualifications:

• Bachelor's degree or equivalent practical experience.
  
• 3 years of experience in product management, or a related technical role.
• Experience in financial services or insurance industry.
• Experience collaborating with Engineering, Data Science, and Finance teams to launch technical products.

Preferred qualifications:

• Master's degree in a technology or business related field.
  
• Experience applying Machine Learning (ML) or automated agentic workflows to optimize processes or manage risk.
• Experience successfully building and launching 0-to-1 credit products, from initial market scoping to execution and scale across enterprise, SMB, or consumer segments.
• Understanding of the evolving credit landscape, including experience leveraging alternative data underwriting, real-time risk assessment, or advanced predictive modeling to create novel financing solutions.
• Track record of identifying, evaluating, and capitalizing on new market opportunities within the fintech or alternative lending ecosystem.
• Strong problem solving capability to evaluate complex data.

About the job
As a Product Manager on the Payments Platform Credit team, you will lead the evolution of the systems powering our enterprise credit offerings. In close partnership with the Finance Credit team, you won't just maintain legacy platforms-you will completely reimagine them. You will advocate the integration of advanced Machine Learning (ML) for payment risk and deploy agentic flows to automate our current processes. By shifting to proactively intelligent systems, you will effectively manage Google's credit risk while exploring emerging SMB and consumer initiatives.

Whether it is paying online with Autofill, using tap and pay in stores, or using the Google Pay app, the Payments team at Google is focused on making payments simple, seamless, and secure. In addition to consumer payment technologies, the Payments team also powers the money movement between Google and its consumers and businesses.

The US base salary range for this full-time position is $138,000-$198,000 bonus equity benefits. Our salary ranges are determined by role, level, and location. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

Please note that the compensation details listed in US role postings reflect the base salary only, and do not include bonus, equity, or benefits. Learn more about benefits at Google.

Responsibilities

• Drive product strategy for enterprise credit systems, utilizing ML to ensure highly scalable, intelligent payment risk management.
• Design and deploy agentic flows to fully automate credit risk reviews, continuously optimize credit limits, and reinvent our credit enforcement strategies.
• Partner with Finance to build, evaluate, and optimize ML-driven credit models, seamlessly balancing revenue enablement with loss avoidance.
• Support the dynamic scoping and development of new SMB and consumer products.

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Requisition #: 140659158843040454

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