Product Manager, AI & App Experience Chime - San Francisco, CA, US

Product Manager, AI & App Experience

Chime was created with the mission to make financial peace of mind a reality for millions of everyday people. We're one of the fastest-growing financial technology companies in the U.S., offering banking services that are helpful, easy, and free—because we want to profit with our members, not from them. Our model doesn't rely on overdraft, monthly service, minimum balance, or other member fees—it just focuses on delivering member value.

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.

This is a 0->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.

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.

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.

The base salary offered for this role and level of experience will begin at $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.

In this role, you can expect to:

• Own product strategy and roadmap for AI-driven app experiences across key user journeys
• Translate ambiguous AI capabilities into clear, user-facing product features
• Partner closely with engineering, data science, design, and research to ship end-to-end experiences
• Define success metrics and run experiments to validate AI-driven product improvements
• Drive prioritization across multiple stakeholders, balancing member needs, technical feasibility, and business impact
• Ensure AI features meet high standards for trust, transparency, and usability
• Continuously improve product quality through iteration, insights, and member feedback

To thrive in this role, you have:

• 5+ years of experience building and shipping consumer-facing product experiences within mobile or web apps, taking ideas from 0→1
• Hands-on experience working with AI/ML-powered products or features (e.g., personalization, recommendations, automation)
• Strong product sense with the ability to translate complex technical concepts into intuitive user experiences
• Track record of defining product strategy and delivering measurable outcomes
• Experience working cross-functionally with engineering, data, and design teams
• Comfort operating in ambiguity and driving clarity across stakeholders
• Experience using experimentation, analytics, and user insights to inform decisions

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.

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.

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.

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.

Because if we don't—who will?

*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.

What we offer for our full-time, regular employees:

• 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 teammates.
• In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute
• Competitive salary based on experience
• 401k match plus great medical, dental, vision, life, and disability benefits
• Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off
• 1% of your time off to support local community organizations of your choice
• Annual wellness stipend to use towards eligible wellness related expenses
• Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
• In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

We know that great work can't be done without a diverse team and inclusive environment. That's why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: View email address on click.appcast.io.

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.