Product Manager, Spending
About the role
At Chime, we’re building financial products that empower everyday people to thrive. Our mission is to help members feel confident and in control of their money—without complexity or friction. We’re looking for a creative, customer-obsessed Product Manager to lead the next generation of Cards experiences within our Spending team. This role sits at the heart of how millions of members engage with Chime every day—how they spend, pay, and express financial confidence through their Chime card.
You’ll shape how members activate, use, and manage their cards, blending emotional design and utility in a way that feels unmistakably Chime. We’re looking for someone who’s driven by user delight, inspired by mobile-first experiences, and comfortable turning big ideas into measurable impact.
The base salary offered for this role and level of experience will begin at $155,000 and up to $195,000. 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.
Chime is in-office Monday through Thursday every week.
In this role, you will
- Own the product vision and roadmap for Chime’s Cards experiences, including how members activate, use, manage, and personalize their card.
- Partner with engineering, design, and marketing to create member-first, mobile-native experiences that drive daily engagement and trust.
- Lead discovery and experimentation to uncover emotional and behavioral insights around spending and money confidence.
- Collaborate cross-functionally to bring new card features to life—balancing user experience, operational efficiency, and business goals.
- Use data, research, and rapid testing to inform decisions and continuously improve how members experience spending at Chime.
- Communicate strategy and decisions clearly to partners, leaders, and stakeholders across the company.
You’ll thrive in this role if you have
- Experience in product management for high-scale consumer mobile products, ideally in areas like commerce, lifestyle, social, or financial wellness.
- A strong sense of customer empathy and creative product design, with a passion for crafting delightful, intuitive user journeys.
- A proven track record of shipping mobile products that balance user value and business impact.
- Excellent communication and collaboration skills, with an ability to inspire cross-functional teams and align around a shared vision.
- Familiarity with A/B testing, product analytics, and mobile UX best practices.
- Comfort operating in ambiguous, fast-paced environments where innovation and iteration go hand in hand.
A little about us
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**
**Perks also available to Chime Interns.
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: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
