Product Manager, AI & App Experience

<h2><span style="font-family: helvetica, arial, sans-serif;"><strong>About the role</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">We’re hiring a Product Manager to lead AI-powered experiences across our core app. In this role, you’ll shape the next-generation AI consumer experience that helps millions of Chime members understand their money, make smarter decisions, and ultimately, achieve financial progress.&nbsp;</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">This is a 0-&gt;1 product management role. You’ll define the vision, strategy, and roadmap for making AI-powered experiences more intuitive, personalized, and impactful – translating Chime’s deep relationship with the member (transaction history, spending patterns, goals, and more) into personalized, proactive, and actionable insights. You’ll operate at the intersection of product, data, and design, translating rapidly evolving AI capabilities into real, user-facing value.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">This is a highly cross-functional role where you’ll partner closely with engineering, data science, design, and research to bring new experiences to life—from early concept through launch and iteration. You’ll be responsible for defining what great looks like: balancing innovation with trust, ensuring transparency in how AI behaves, and building experiences that members can rely on.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">Success means proving product-market fit, then evolving beyond a standalone surface into something native to every part of the Chime experience — AI that feels integrated, ambient, and always working.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">The base salary offered for this role and level of experience will begin at&nbsp; $176,000.00 and up to $244,000.00. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.</span></p> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>In this role, you can expect to</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Own product strategy and roadmap for AI-driven app experiences across key user journeys</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Translate ambiguous AI capabilities into clear, user-facing product features</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Partner closely with engineering, data science, design, and research to ship end-to-end experiences</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Define success metrics and run experiments to validate AI-driven product improvements</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Drive prioritization across multiple stakeholders, balancing member needs, technical feasibility, and business impact</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Ensure AI features meet high standards for trust, transparency, and usability</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Continuously improve product quality through iteration, insights, and member feedback</span></li> </ul> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>To thrive in this role, you have</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">5+ years of experience building and shipping consumer-facing product experiences within mobile or web apps, taking ideas from 0→1</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Hands-on experience working with AI/ML-powered products or features (e.g., personalization, recommendations, automation)</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Strong product sense with the ability to translate complex technical concepts into intuitive user experiences</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Track record of defining product strategy and delivering measurable outcomes</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience working cross-functionally with engineering, data, and design teams</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Comfort operating in ambiguity and driving clarity across stakeholders</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience using experimentation, analytics, and user insights to inform decisions</span></li> </ul> <p><span style="font-family: helvetica, arial, sans-serif;">#LI-TP1 #LI-Onsite</span><br><br></p><div class="content-conclusion"><h2><span style="font-family: helvetica, arial, sans-serif;"><strong>A little about us</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.&nbsp;</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">Because if we don't—who will?</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.</span></p> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>What we offer for our full-time, regular employees</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and team