Full-Time

Principal Product Manager

Updated on 9/4/2026

Chime

Chime

1,001-5,000 employees

Online bank offering fee-free accounts

Compensation Overview

$255k - $290k/yr

+ Bonus + Equity package

San Francisco, CA, USA

Hybrid

Four days per week in the office and Fridays from home for employees near an office; a fully remote program is also available.

Category
Product (1)
Required Skills
Data Science
Product Management
Risk Management
Data Analysis

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Requirements
  • 11+ years of experience leading consumer product strategy and execution for high-impact digital products from concept through scale.
  • Direct experience growing the top of funnel for lending products, including loans, credit cards, or lines of credit, at a major consumer business, with measurable results on application volume, conversion, and customer acquisition cost.
  • A proven track record of owning complex product areas with measurable business outcomes, ideally including growth, monetization, or financial products.
  • Experience working with credit bureaus, affiliates, and acquisition marketplaces and partnering with Product Marketing on channel strategy.
  • Experience building or managing complex consumer financial platforms, high-scale fintech products, or mission-critical decisioning systems.
  • Experience making strategic product decisions in highly cross-functional environments with Engineering, Design, Analytics, Risk, and business partners.
  • Strong product intuition backed by data, with the ability to prioritize effectively and make thoughtful tradeoffs.
  • Experience building products that simplify complex customer problems and deliver exceptional user experiences.
  • Excellent communication and stakeholder management skills, with the ability to influence across functions and executive audiences.
Responsibilities
  • Own the strategy and roadmap for lending top of funnel end-to-end across loans, credit cards, lines of credit, and future credit products.
  • Lead company-program-sized cross-functional efforts, starting with new registration flows into Chime.
  • Grow the funnel from zero to one.
  • Partner with Product Marketing on channel optimization and customer acquisition cost to make acquisition efficient at scale.
  • Build the experiences that determine whether a member converts to Chime for their primary bank.
  • Drive product decisions across the full product lifecycle in partnership with Engineering, Design, Data Science, Risk, Operations, Legal, Compliance, Marketing, and Finance.
  • Make high-conviction prioritization decisions and align cross-functional teams around a clear product vision, measurable outcomes, and business impact.
  • Use customer insights, experimentation, and data to continuously improve the member experience while growing a profitable business.
  • Serve as a product leader for the team by creating clarity, setting direction, and ensuring exceptional execution from strategy through launch.
Desired Qualifications
  • Experience owning complex product areas ideally including growth, monetization, or financial products.

Chime is an online financial technology platform that provides banking services and a debit card through partner banks (The Bancorp Bank, N.A. and Stride Bank, N.A.). It operates without physical branches and focuses on a fee-free experience. Customers can use SpotMe to overdraft up to $200 on debit purchases (eligibility required), receive paychecks up to two days early via direct deposit, and access over 60,000 fee-free ATMs. Chime also offers a secured credit card that doesn’t require a credit check and can help improve FICO scores, along with a savings account offering 2.00% APY with no fees. The company generates most of its revenue from interchange fees charged when customers use the Chime debit card. The goal is to make banking simpler and cheaper for everyday users through a digital-first platform.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

San Francisco, California

Founded

2012

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Simplify Jobs

Simplify's Take

What believers are saying

  • August 2026 Q2 revenue hit $670 million, up 27%, with $28 million net income.
  • Allied Universal added Chime Workplace for 320,000 employees on August 3, 2026.
  • Chime raised 2026 revenue guidance to $2.76 billion-$2.77 billion after the Stride deal.

What critics are saying

  • Chime bought Stride for $590 million on September 8, 2026, absorbing banking risk.
  • Any integration failure before first-half 2027 closes threatens synergies and lending expansion.
  • A compliance or payments shock could freeze interchange revenue and break the neobank model.

What makes Chime unique

  • Chime now controls Stride Bank, ending seven years of sponsor-bank dependence.
  • Its fee-free app bundles spending, savings, credit-building, investing, and workplace benefits.
  • AI-driven smaller squads let Chime ship faster while preserving low-fee positioning.

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Benefits

Competitive salary based on experience

401k match plus the usual medical, dental, vision, life, and disability benefits

Generous vacation policy and company-wide Take Care of Yourself Days

Virtual events to connect with your fellow Chimers- think cooking classes, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
Associated Press
Sep 8th, 2026
Chime Announces Agreement to Acquire Stride Bank

SAN FRANCISCO--(BUSINESS WIRE)--Sep 8, 2026-- Chime ® (NASDAQ: CHYM), America’s #1 choice for banking 1, today announced that it has entered into a definitive agreement to acquire Stride Bank, N.A.

Yahoo Finance
Sep 8th, 2026
Chime Financial rallies 44% after Q2 revenue hits $670M with margins surging 12 points

Chime Financial's shares surged 44% in August following a strong second-quarter earnings report that exceeded analyst expectations. The fintech company reported revenue growth of 27% to $670 million and swung to a profit of $0.07 per share from a year-ago loss. The company raised its full-year revenue guidance to between $2.725 billion and $2.745 billion, up from the previous range of $2.66 billion to $2.69 billion. Adjusted EBITDA guidance increased to $465 million to $475 million from $416 million to $431 million. Second-quarter adjusted EBITDA margins reached 15%, marking a more than 12 percentage point improvement year-over-year. Management attributed cost efficiency gains to effective use of artificial intelligence in back-office and marketing functions.

Bleeding Cool
Sep 2nd, 2026
Milk Bar teams with Chime for new 24K Gold Cookie Dough Cone.

Milk Bar teams with Chime for new 24K Gold Cookie Dough Cone. Milk Bar has started a new promotion with Chime as they are offering up a new 24K Gold covered cookie dough cone for a limited time. Published Wed, 02 Sep 2026 18:42:10 -0500 Article summary. * Milk Bar teams with Chime to launch the limited-time Get That Dough Cone, its first-ever cookie dough cone. * The Milk Bar treat features cookie dough soft serve, cookie dough chunks, and edible 24K gold on top. * The Get That Dough Cone costs $12 from September 4 to October 2, with an $8.88 Labor Day weekend special. * Chime members can score the Milk Bar cone for $5 at participating bakeries, plus eligible cash back rewards. Milk Bar has a new promotion this month, partnering with Chime to release a brand-new 24K Gold Cookie Dough Cone. The Chime promotion here is a far distant second talking point; you'll only really care about it if you use Chime to begin with. The real talking point here is the cone you see in the image: the limited-edition Get That Dough Cone will go on sale Friday, September 4, at participating Milk Bar locations in New York City, Los Angeles, and Washington, D.C., and will be available through October 4. This thing is filled with cookie dough soft serve with cookie dough chunks, all topped with edible 24k gold. Bleeding Cool has more details below about the cone and the promotion. Gett a 24K Gold Cookie Dough Cone at Milk Bar starting Friday. The Get That Dough Cone is Milk Bar's first cookie dough cone, and it's filled with cookie dough soft serve, topped with cookie dough chunks and edible 24k gold. It is, in every sense, loaded with dough and for Chime Prime members who use their Chime Card, eating it puts a little dough back in your wallet. The Get That Dough Cone is $12 and available from September 4 through October 2, while supplies last. Over Labor Day Weekend - Saturday, September 5 through Monday, September 7 - it drops to $8.88 for everyone, a nod to the angel number associated with abundance and financial luck. Chime members get the sweetest version of the deal: $5 at participating Milk Bar bakeries all month long, while supplies last. And Chime Prime members who've selected restaurants as their 5% cash back category on their Chime Card1 get a little dough back on the purchase. Because what's better than spending dough? Getting some back. "There's this idea that if you're serious about your money, you have to sacrifice any rewards for yourself," said Orlando Baeza, Vice President of Brand & Creative at Chime. "We don't buy it. People who are working toward real goals still deserve treats and rewards for their progress and discipline. That's the whole point of 5% cash back on the category of your choice - it's the treat that pays you back a little. And now we made one you can literally eat - so enjoy!" "At Milk Bar, we're always looking for unexpected ways to play with the treats and flavors people love," said Shannon Salzano, VP of Creative and Brand Partnerships at Milk Bar. "For our first-ever cookie dough cone, we went all in: cookie dough soft serve, chunks of cookie dough, and even a little gold on top. Chime gave us a fun reason to play with the idea of 'getting that dough,' and we can't be more excited for people to give it a try."

Yahoo Finance
Aug 22nd, 2026
Chime Financial insider sells 26,000 shares for tax obligations as stock lags market by 41%

Chime Financial's President and Interim CFO Mark Troughton disposed of 26,072 shares on 17 August 2026, valued at approximately $835,000. The sale was executed automatically to cover tax withholding obligations related to vesting restricted stock units and does not reflect Troughton's outlook on the stock. Troughton continues to hold 4,173,999 shares of Class A Common Stock directly. Chime's shares closed at $31.91 on 18 August, delivering a 7% return over the previous 12 months. The San Francisco-based fintech reported $2.4 billion in trailing-twelve-month revenue and an $18.2 million net loss. Chime operates a fee-free digital banking model, generating revenue primarily through interchange fees on customer transactions. The company serves consumers with annual household incomes below $100,000 and has a market capitalisation of $12.2 billion.

BSC News
Aug 13th, 2026
Chime is exploring stablecoin wallet services for its banking app.

Chime is exploring stablecoin wallet services for its banking app. Chime, the largest US neobank, is exploring stablecoin wallet integration for its banking app, with infrastructure startup Rain among the firms that held talks, according to Bloomberg. Chime reaches out to blockchain firms over stablecoin plans. Chime, widely regarded as the largest neobank in the United States, is weighing a move into stablecoin-powered wallet services. According to Bloomberg, the company asked blockchain firms in late spring to submit proposals for end-to-end stablecoin wallet solutions that could be integrated directly into its consumer banking app. Infrastructure startup Rain was among the companies that held discussions with @Chime as part of that process. No deal has been confirmed, and Chime has not committed to a launch. No timeline or product details have been publicly disclosed. Rain: a rising force in stablecoin infrastructure. Rain is a private financial technology company founded in 2021. The company provides stablecoin-powered payment infrastructure, enabling businesses to issue payment cards and digital wallets funded by cryptocurrencies. The company raised $250 million in a Series C funding round to scale its stablecoin payments infrastructure, a round that valued it at $1.95 billion. Rain's platform is used by more than 200 companies and facilitates over $3 billion in annualized transactions. Rain describes itself as the global stablecoin payments platform for enterprises, neobanks, platforms, and developers, with technology that allows partners to move, store, and use stablecoins instantly and compliantly through global payment cards, rewards, on/offramps, wallets, and cross-border rails. The startup works with neobanks who want to let their customers use crypto deposits, instead of US dollars, to settle charges on payment cards. The talks come as mainstream financial institutions move closer to stablecoin adoption following clearer regulation. Enterprise interest in stablecoins has surged following the GENIUS Act in the US and the MiCA framework in Europe, which have created a clearer regulatory path for adoption. Traditional neobanks like Chime do not hold bank charters and operate as technology layers on top of core banking systems provided by licensed institutions. Chime, for example, partners with The Bancorp Bank and Stride Bank. Whether Chime ultimately builds, buys, or passes on stablecoin capabilities remains to be seen. For now, the exploratory conversations alone signal that even the most mainstream digital banks are taking the technology seriously. (Advertisement)