Why Socure?

Socure is building the identity trust infrastructure for the digital economy — verifying 100% of good identities in real time and stopping fraud before it starts. The mission is big, the problems are complex, and the impact is felt by businesses, governments, and millions of people every day.

We hire people who want that level of responsibility. People who move fast, think critically, act like owners, and care deeply about solving customer problems with precision. If you want predictability or narrow scope, this won’t be your place. If you want to help build the future of identity with a team that holds a high bar for itself — keep reading.

Socure is seeking a Head of Credit Products to define and lead a new line of business focused on credit score and credit-adjacent products. This leader will own the vision, strategy, and roadmap for the products built on top of Socure’s BNPL and CRA consortia, helping establish a differentiated credit intelligence business that extends Socure’s leadership in identity, fraud, and risk decisioning.

This is a highly strategic, 0→1 leadership role for a product executive who can identify market opportunities, translate them into scalable product strategy, and drive execution across Product, Data Science, Engineering, Legal, Compliance, GTM, and Operations. The role will be central to shaping how Socure brings together consortium data, credit reporting capabilities, fraud prevention intelligence, and underwriting-oriented signals into market-leading products for lenders and adjacent financial services use cases.

The Head of Credit Products will report into Socure’s Product organization led by Chung-Man Tam and will lead other product managers. This person will work closely with leadership across Core Products, Consortium Intelligence, Data Science, and Compliance to build a durable and compliant product portfolio that supports BNPL, first-party fraud, credit risk, and broader underwriting use cases.

What you'll do:

Define and communicate the multi-year product vision, strategy, and roadmap for Socure’s credit score and credit-adjacent product portfolio, ensuring alignment with Socure’s broader product strategy and growth objectives.
Lead the development of products built on top of Socure’s BNPL and CRA consortia, with an initial focus on credit risk, underwriting, and adjacent financial services use cases.
Identify and prioritize product opportunities at the intersection of credit reporting, first-party fraud, identity verification, underwriting, and risk decisioning, translating market needs into differentiated product investments.
Partner with Data Science, Engineering, and Data teams to design scalable product capabilities, data assets, models, and feedback loops that improve risk predictiveness, product performance, and customer value.
Work closely with Legal, Compliance, and other cross-functional stakeholders to ensure product design and go-to-market execution align with FCRA, CFPB expectations, GLBA, and other applicable regulatory requirements.
Help shape Socure’s approach to CRA formation and related productization efforts, including data segregation, infrastructure considerations, consumer disputes implications, and compliance-sensitive operating models.
Drive rigorous product discovery through market research, customer interviews, competitive analysis, and partner engagement to refine positioning, roadmap sequencing, and product-market fit.
Partner with GTM, Product Marketing, Sales, Customer Success, and Solution Consulting to translate product capabilities into compelling market narratives, enablement materials, and commercial outcomes.
Establish success metrics, business cases, and operating KPIs for the credit products portfolio, using data-driven insights to guide prioritization, investment decisions, and product iteration.
Own executive-level stakeholder alignment and communication, providing transparency into roadmap priorities, tradeoffs, progress, and risks across Product leadership and company executives.
Build, lead, and develop a high-performing team of product managers, setting a high bar for strategic thinking, execution, cross-functional collaboration, and customer impact.
Serve as an internal and external thought leader for Socure’s credit and consortium strategy, representing the company in strategic customer conversations, industry forums, and market-facing thought leadership as appropriate.

What you Bring:

12+ years of product management experience, with significant leadership experience owning product strategy and execution for complex B2B data, risk, fintech, or financial services products.
5+ years of experience leading product managers or equivalent senior product leaders across a product portfolio or major business area.
Deep domain expertise in one or more of the following areas: credit risk, credit scoring, underwriting, lending infrastructure, credit bureau / CRA products, first-party fraud, BNPL, or adjacent financial risk products.
Proven success building and scaling 0→1 or early-stage products, including setting product vision, validating market demand, prioritizing roadmap investments, and launching new capabilities into highly regulated markets.
Strong understanding of the regulatory environment for consumer reporting and credit-related products, including FCRA and related compliance considerations. Familiarity with CFPB expectations, GLBA, dispute processes, and permissible purpose frameworks is strongly preferred.
Demonstrated ability to partner effectively across Product, Engineering, Data Science, Legal, Compliance, Finance, Marketing, Sales, and Customer Success in a fast-paced, cross-functional environment.
Strong commercial acumen, with experience building business cases, evaluating monetization opportunities, and balancing customer value creation with revenue, margin, and long-term strategic advantage.
Excellent communication and executive influence skills, with the ability to simplify complex technical, analytical, and regulatory topics for diverse audiences.
Strong analytical and strategic problem-solving skills, with a track record of making high-quality decisions in ambiguous environments with incomplete information.
Bachelor’s degree in Business, Finance, Computer Science, Engineering, Economics, or a related field required. Advanced degree such as MBA, JD, or equivalent is preferred.

Additional Information

This role is a senior product leadership hire within Socure’s Product organization and is aligned to the company’s investment in new product development across consortium intelligence, BNPL, and CRA-related offerings.
The role is intended to lead a new line of business and manage other product managers, consistent with the scope of a “Head of” product leadership position at Socure.

Socure is an equal opportunity employer that values diversity in all its forms within our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
If you need an accommodation during any stage of the application or hiring process—including interview or onboarding support—please reach out to your Socure recruiting partner directly.

Follow Us!

YouTube | LinkedIn | X (Twitter) | Facebook

About the company

Socure provides digital identity verification and fraud prevention services for financial institutions through a subscription-based platform. It uses machine learning and advanced algorithms to analyze small amounts of customer data to predict fraud risk. A flagship feature, the Sigma Fraud Score, compares transactions against a proprietary database of known fraudulent users and traits to detect suspicious activity. Additional tools like Device Risk verify session authenticity by gathering device and browser signals, supporting seamless and secure customer experiences. Socure differentiates itself with a robust, data-driven fraud scoring system, a suite of identity verification and compliance tools, and continuous platform updates delivered as a service. Its goal is to help banks and other lenders verify customers quickly and accurately while reducing fraud and ensuring regulatory compliance (e.g., Customer Identification Programs under the Patriot Act).

Company Size

501-1,000

Company Stage

Series F

Total Funding

$900.1M

Headquarters

Incline Village-Crystal Bay, Nevada

Founded

2012

Get referred to Socure

See people who can refer or advise you

Simplify's Take

What believers are saying

Socure raised $156 million at a $5.2 billion valuation on August 27, 2026.
Q2 2026 ARR reached $364 million, up 63% year over year.
Login.gov awarded Socure's Xcelerate partnership a five-year, $163 million call order.

What critics are saying

Binance.US, crypto, and government deals concentrate revenue in regulated buyers.
Persona, Sumsub, and Jumio pressure pricing as identity verification commoditizes.
If AI fraud outpaces models, Socure's trust brand collapses and churn follows.

What makes Socure unique

Socure's RiskOS fuses identity, device, behavioral, and fraud signals into one workflow.
August 2026 Fravity acquisition adds AI agents for investigations, not just scoring.
September 2026 mDL support with Google Wallet and Samsung Wallet matches new CIP guidance.

Help us improve and share your feedback! Did you find this helpful?

Benefits

Competitive salary & equity
Comprehensive medical, dental, & vision coverage
FSA
Parental leave
401k
Life insurance
PTO

Growth & Insights and Company News

Headcount

6 month growth

1 year growth

-4%

2 year growth

-1%

Yahoo Finance

Sep 30th, 2026

Socure launches mDL verification with Samsung and Google as US regulators clear digital IDs

Socure has launched mobile driver's licence verification in its DocV identity verification product, allowing organisations to verify mDLs cryptographically from Google Wallet and Samsung Wallet during remote onboarding. The launch follows September 2026 guidance from FinCEN and other US regulators confirming that verifiable digital credentials can satisfy Customer Identification Program requirements. ABI Research projects the US mDL install base will grow from 21.7 million in 2025 to 143 million by 2030. Currently, 21 states issue mDLs conforming to ISO/IEC 18013-5 standards, with more than 8 million credentials active. Socure's system combines cryptographic validation with device, behavioural, and identity intelligence to assess user trustworthiness. The capability is available in Socure DocV and extends to government agencies through a partnership with Xcelerate Solutions under Login.gov's identity proofing agreement.

The Mirror Democrat and Savanna Times-Journal

Sep 30th, 2026

Socure launches mDL verification with Samsung and Google as regulators clear digital IDs.

Socure launches mDL verification with Samsung and Google as regulators clear digital IDs. * 3 hrs ago Socure, the leading trust infrastructure for global identity and risk intelligence, today announced U.S. mobile driver's license (mDL) verification in DocV, its identity verification product. Organizations can now verify mDLs cryptographically against the issuing state authority, presented from Google Wallet and Samsung Wallet, during remote onboarding and step-up flows. The launch follows a significant regulatory shift. On September 8th, 2026, FinCEN, Federal Reserve Board, FDIC, OCC and NCUA jointly issued FAQs confirming that an unexpired, government-issued verifiable digital credential can qualify as documentary evidence under the Customer Identification Program Rule. The guidance attaches a condition: the institution must have the technology or systems necessary to extract the required information. It also states that a digital credential is not automatically sufficient where there are indications of fraud, and that the institution must still form a reasonable belief that it knows the customer's true identity. Technology intelligence firm ABI Research projects the U.S. mDL install base will grow from 21.7 million in 2025 to 143 million by 2030, with 40 states issuing digital licenses. Today, 21 states issue mDLs conforming to the ISO/IEC 18013 standard, more than 8 million credentials are active, and roughly 45% of Americans live somewhere one is available. mDL verification complements Socure's physical document capture rather than replacing it, providing organizations a second path as digital wallets become part of how consumers carry their credentials. The harder problem is remote verification. Most mDL deployments to date have supported in-person presentation, the airport-checkpoint tap covered by Part 5 of the ISO standard. But the verifications that carry the most risk happen remotely - opening an account, claiming a benefit, onboarding to a platform - and remote presentation under Part 7 has been supported unevenly across wallets. Socure DocV now supports remote presentation from Google Wallet and Samsung Wallet, so the credential can be verified online with the issuing state standing behind it rather than inferred from a photograph of a plastic card. With Socure mDL verification, users digitally present their credentials from their mobile wallet during onboarding or step-up verification, without the need to photograph an ID. Verification can be completed in seconds, without retakes or upload errors, helping organizations reduce friction, improve conversion, and deliver a faster experience for legitimate users. "Socure's integration to leverage mobile driver's licenses expands the number of places that people can use their digital IDs, offering a high assurance, low friction verification experience," said Alan Stapelberg, Group Product Lead, Google Wallet. mDLs introduce a fundamentally different security model. When a state DMV issues an mDL, the credential is cryptographically signed. Socure uniquely uses cryptographic credential validation as the starting point, not the finish line, verifying that a mobile driver's license was issued by the state DMV, then layering in device, behavioral, and identity intelligence to help determine whether the person presenting it should be trusted. Taken together, the guidance describes the architecture Socure built. Cryptographic validation establishes that the state issued the credential and that it has not been altered. Socure then layers device, behavioral and identity intelligence to assess whether the person presenting it should be trusted - the reasonable-belief standard the agencies describe. For banks, credit unions, fintechs and other regulated businesses, that combination is what turns a regulatory allowance into a deployable workflow. "Mobile driver's licenses represent a major shift in how consumers prove who they are online," said Deepanker Saxena, Head of Document Verification at Socure. "We want organizations to be able to trust any credential a person shows up with, physical or digital, and pair that with device, behavioral, and identity risk signals so trustworthy users move fast and fraud gets stopped. Balancing the equation between trust and friction is an essential step to scaling consumer adoption within the U.S." The new mDL capability is now available in Socure DocV for organizations looking to modernize onboarding and step-up flows, reduce abandonment, and strengthen fraud prevention. As more consumers choose to verify with mobile credentials, organizations can deliver secure and high-quality experiences for gig workers, job seekers, and citizens using government services. Today's announcement comes alongside an extension of Socure's partnership with Xcelerate Solutions to support critical public sector use cases under the Login.gov Next Generation Identity Proofing Blanket Purchase Agreement. Operating within Socure's FedRAMP Moderate environment, the capability gives government agencies a secure, mobile-native way to verify state-issued digital credentials while reducing friction for citizens accessing online services. About Socure Socure is the leading AI-native trust infrastructure, providing identity and risk intelligence to the world. Socure is trusted by the largest enterprises and government agencies to build trust and mitigate risk with its identity verification, compliance and fraud prevention solutions. Leveraging AI and machine learning, Socure achieves the highest accuracy, automation, and capture rates in the industry. Serving more than 3,000 customers and 190+ countries across financial services, government, gaming, healthcare, telecom, and e-commerce, Socure's customer base includes the top five U.S. banks, four of the Mag 7, the largest HR payroll and workforce providers, four of the five largest U.S. crypto exchanges, the largest sportsbook and prediction market operators, 160 organizations across the public sector, and more than 600 fintechs. Leading organizations trust Socure to deliver certainty in identity across onboarding, authentication, payments, account changes, and regulatory compliance. Learn more at www.socure.com. Media gallery

PR Newswire

Sep 29th, 2026

Xcelerate Solutions and Socure are expanding support for Login.gov by integrating mobile driver's licenses as accepted identification for remote identity verification. The capability, announced 29 September, operates within Socure's FedRAMP Moderate environment and uses real-time identity checks, fraud detection, and behavioural analytics. Login.gov can now verify identity information directly from state-issued digital credentials based on ISO/IEC 18013 standards. The system offers tamper-evident verification whilst reducing the need to handle physical IDs. The partnership combines biometrics, machine learning, artificial intelligence, and digital identity credentials to provide identity-proofing services. Xcelerate Solutions is a national security company whilst Socure provides AI-native trust infrastructure serving over 3,000 customers across financial services, government, and e-commerce sectors.

PR Newswire

Sep 29th, 2026

Element451 launches Bolt Fraud Detection with Socure to combat $350M ghost student fraud in US higher education

Element451 has launched Bolt Fraud Detection and Resolution, an AI-powered solution developed with identity verification firm Socure to combat fraud in higher education. The product uses AI agents to continuously monitor applicant and student data, verify identities, and investigate suspicious activity. The system addresses a growing problem that has cost US taxpayers at least $350 million over five years, according to the Department of Education's Inspector General. Traditional detection methods flag suspicious applications but leave staff to manually investigate and follow up. Fraud Detection and Resolution automates the verification process whilst keeping final decisions with human staff. The platform integrates Socure's identity technology, which can verify up to 98% of applicants and is used by the US Department of Education for FAFSA processes. At Galveston College in Texas, the technology has flagged over 1,100 potentially fraudulent applications from 6,200 received, with nearly 90% confirmed as fraudulent upon review.

Holder.io

Sep 26th, 2026

Socure integrates RiskOS identity verification into Circle's Arc USDC onramp.

Socure integrates RiskOS identity verification into Circle's Arc USDC onramp. Circle's Arc ecosystem now uses Socure's RiskOS to handle identity verification and fraud decisions for fiat-to-USDC onboarding, adding a compliance layer that keeps sensitive identity data off public chains while enabling regulated financial workflows on Arc. Tl;dr. * Socure integrated its RiskOS identity and fraud platform into Arc's Onramp. * RiskOS verifies users and makes fraud decisions during fiat-to-USDC conversion within Arc-built apps. * The setup adds compliance to Circle's institution-focused blockchain while keeping identity data out of public transaction flows. Arc Onramp: identity and risk built in. Arc targets financial applications that require verified users. Payment firms and regulated institutions need customer identification and risk assessments before settling on-chain. Socure's RiskOS operates at onboarding: it combines identity verification with risk decisioning so applications can assess users and transactions before converting fiat to USDC and routing through Arc. Socure's broader platform is used across financial services, government, gaming, and other sectors. Embedding these tools into a blockchain onramp connects established fintech controls with crypto settlement rails. Offchain identity, onchain transactions. Institutional adoption requires separating identity from public ledgers. Open networks enable asset movement across applications without a shared internal database, but regulated firms cannot expose sensitive personal data on-chain. Identity checks occur offchain, while permissions and subsequent transactions move through the blockchain. Socure's role is to provide that offchain identity and fraud layer for Arc. Arc is not new, but the RiskOS integration is new. It expands the infrastructure that makes stablecoin applications operate like conventional financial services: users complete identity verification, fund accounts, and receive USDC, while compliance and fraud controls run in the background for mainstream financial requirements.

Socure

Head of Credit Products

About the job