How risk and product strategy merge in modern fintech

In this episode of Risk & Robots, Maximilian Eber, Co-founder and CPTO of Taktile, talks to Peter Lu, Head of Product (US) at Monzo Bank, about how risk and product teams work together in modern fintech.

Peter makes the case that risk is not a constraint layer, but a core part of the product itself—and that PMs should own every lever of the P&L, from default rates to customer lifetime value.

They explore why picking an ultra-specific ICP is the only way to win in a fragmented market like the U.S., how risk can be a true competitive advantage, why most product orgs still underestimate the cultural incentives needed to make this collaboration work, where AI will really drive change in finance, and more. 

Risk & Robots is our ongoing podcast series where we dive into the future of risk, AI, and financial technology with industry leaders. Stay tuned for upcoming episodes as we continue exploring how innovation is reshaping the way businesses think about risk.

For the latest tools, news, and technologies that are shaping the future of automated decision-making in finance, connect with me on LinkedIn.