Product Manager, AI & App Experience

About the role 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 #LI-TP1 #LI-Onsite 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, ref