Director of Product, Fraud and Risk at Goodleap

San Francisco, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Sustainable Energy, Clean TechnologyIndustries

Requirements

10+ years of fraud, risk, identity, or trust & safety product experience in fintech, banking, lending, payments, or consumer finance
Proven success designing fraud/risk systems, working with DS/ML teams, and shipping high-impact risk products at scale
Deep understanding of fraud vectors (ATO, synthetic identities, mule accounts, friendly fraud, credit abuse, chargebacks)
Experience with KYC/AML, sanctions, adverse media, dispute regulations, and compliance alignment
Strong analytical abilities, fluent with metrics, funnels, decision trees, and interpreting model outputs
Ability to lead teams, influence senior stakeholders

Responsibilities

Set and drive the end-to-end fraud and risk product strategy across credit products, consumer payments, and the homeowner app, delivering strong protection without compromising experience
Own the roadmap for fraud detection and risk scoring systems, and partner closely with Engineering and Data Science to advance models, rules, and real-time defenses
Partner with Security to strengthen identity and account integrity, shaping product-side risk controls (KYC/KYB, device intelligence, behavioral signals) that mitigate synthetic IDs, ATO, and mule activity
Lead the strategy to prevent fraud-driven disputes and chargebacks by strengthening upstream controls, improving decisioning logic, and reducing opportunities for abuse before they reach Operations
Analyze fraud patterns, model performance, losses, and false positives, and make sharp, data-driven decisions that reduce fraud while preserving customer experience
Manage key vendor relationships and evaluate new technologies, signals, and platforms that can strengthen our fraud and risk defenses
Collaborate with Compliance and Legal to ensure fraud and risk systems meet regulatory requirements and are audit-ready
Communicate risks, trends, and mitigation plans to senior leadership with clarity, urgency, and high signal

Skills

Key technologies and capabilities for this role

Product ManagementFraud DetectionRisk ManagementFintechAIDecisioning SystemsRoadmap PlanningBusiness IntelligenceCredit ProductsPayments

Questions & Answers

Common questions about this position

What is the employment type for this position?

This is a full-time position.

What are the main responsibilities of the Director of Product, Fraud and Risk?

The role involves setting and driving the end-to-end fraud and risk product strategy, owning the roadmap for fraud detection and risk scoring systems, partnering with Engineering, Data Science, and Security, analyzing fraud patterns, and managing vendor relationships.

What skills and qualities does the ideal candidate have?

The ideal candidate brings systems-level thinking, hands-on rigor, and the ability to operate at director-level altitude while executing with precision in a fast-moving fintech environment.

Is this a management or individual contributor role?

This is a high-impact individual contributor (IC) role today, with potential to shape team and capabilities as the business grows.

What makes a strong candidate for this role?

A strong candidate demonstrates systems-level thinking, hands-on execution in fraud and risk, experience in fintech, and the ability to align partners, drive roadmaps, and make data-driven decisions that balance protection and user experience.

Goodleap

Marketplace for sustainable home upgrades and financing

About Goodleap

GoodLeap provides a marketplace for sustainable home solutions, connecting homeowners with professionals who specialize in eco-friendly home improvements. Their platform simplifies the purchasing process by offering a single point of sale technology that allows users to explore various upgrade options and choose flexible payment plans that suit their budgets. Unlike many competitors, GoodLeap focuses specifically on sustainability and partners with over 18,000 professionals nationwide, ensuring a wide range of services and expertise. The company's goal is to help homeowners make environmentally conscious upgrades while saving money, and they also contribute to sustainable energy projects through their partnership with GivePower, donating a portion of their revenue with each transaction.

Roseville, CaliforniaHeadquarters

2003Year Founded

$778.2MTotal Funding

DEBTCompany Stage

Energy, Fintech, Social Impact, Consumer GoodsIndustries

1,001-5,000Employees

Benefits

Flexible Work Hours

Risks

Emerging fintech companies offering similar solutions could erode GoodLeap's market share.

Rising interest rates may reduce the affordability of GoodLeap's financing options.

Direct-to-consumer solar panel sales could threaten GoodLeap's traditional financing model.

Differentiation

GoodLeap offers a seamless point-of-sale platform for sustainable home upgrades.

The company partners with over 18,000 professionals nationwide for home improvement solutions.

GoodLeap supports GivePower, donating to sustainable energy projects with every transaction.

Upsides

GoodLeap closed a $470 million securitization backed by sustainable home improvement loans in 2023.

The company raised $800 million to expand in a $430-billion-per-year market.

Increased consumer interest in energy-efficient upgrades boosts demand for GoodLeap's financing options.

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