AI Fintech Product Manager.
Knoxville.
$150,000
median salary, 11% below the national average
$116,000 to $187,000. Last updated April 2026.
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Data points to own the conversation.
Here is what AI Fintech Product Managers actually make in Knoxville: $116,000 at the 25th percentile, $150,000 at the median, and $187,000 at the 75th. That is 11% below the national average. Knoxville benefits from the presence of Oak Ridge National Laboratory, the University of Tennessee, and the Tennessee Valley Authority. The number on your offer letter will depend on what you bring and how you ask.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $135,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$98,000
to $120,000
Mid (3-5 yrs)
$128,000
to $158,000
Senior (6-9 yrs)
$165,000
to $195,000
Lead (10+ yrs)
$188,000
to $233,000
Salary trend
+10% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $74,000 to the total package.
Base
$150,000
Equity
$45,000
Bonus
$20,000
Signing
$9,000
Estimated total: $224,000
How Knoxville compares
Knoxville, TN
$150,000
Cost of living: 11% below average
National Average
$168,000
Knoxville is $18,000 below
AI Fintech Product Manager salary by city
Salary by role in Knoxville
What you should know
Before you negotiate a AI Fintech Product Manager offer in Knoxville, understand the terrain. Knoxville benefits from the presence of Oak Ridge National Laboratory, the University of Tennessee, and the Tennessee Valley Authority. The national lab drives strong demand for research scientists, engineers, and data analysts. No state income tax and affordable living make it an attractive value proposition. Compensation reflects the intersection of financial services domain expertise, AI product management, and regulatory navigation. PMs who can design AI products that comply with financial regulations while delivering measurable business value earn premiums. Experience with credit decisioning AI, robo-advisory, or fraud detection product management drives the highest salaries.
Junior AI fintech PMs start at $115,000 to $135,000. Mid-level PMs managing AI credit or risk products reach $158,000 to $185,000. Senior PMs leading AI product lines earn $195,000 to $240,000. Directors and VPs of AI product at fintech companies can reach $260,000 to $350,000 in total compensation. In Knoxville, your dollars stretch further. Cost of living runs 11% below the national average, which means even a median salary buys a stronger lifestyle.
Base salary is not the full picture. Bonuses of 15% to 30% tied to product revenue are standard in fintech. Equity at fintech companies adds $30,000 to $100,000 annually. Signing bonuses of $20,000 to $40,000 are common. Benefits include financial wellness programs and industry conference attendance. And on the tax side: tennessee has no state income tax on wages. Knoxville has no city income tax. This zero income tax environment combined with very affordable housing creates excellent purchasing power. When someone quotes you $150,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Highlight Oak Ridge National Lab and DOE experience. National lab affiliations and security clearances command significant premiums in the Knoxville area. The range for AI Fintech Product Managers in Knoxville runs from $116,000 to $187,000. That is not a narrow window. Where you land inside it depends almost entirely on whether you negotiate and how well you prepare.
Sources: SEC filings, H-1B LCA (DOL), BLS OES, 50+ job posting platforms. COL: BEA Regional Price Parities (2025). Data verified by Justin Bartak, Founder & Chief AI Officer. Last verified April 8, 2026. Full methodology
Considering a related role?
- A Full Stack AI Developer in Knoxville earns $151,000 (1% more)
- The highest-paying role in Knoxville is Distinguished Engineer at $305,000
Common questions.
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