Staff Product Manager, Credit Underwriting

This is a fully remote position, open to applicants in United States.

📋 Description

• Take ownership of the strategy, roadmap, and models for CashAI, Dave's proprietary underwriting engine.

• Spearhead an ambitious underwriting strategy and develop a multi-quarter roadmap across Dave's suite of credit products.

• Collaborate with Data Science, Engineering, and Product vertical leaders to design, test, and scale a multi-product underwriting platform.

• Broaden differentiated credit signals beyond traditional bank data.

• Manage underwriting KPIs including take rate, loss rate, disbursement volume, and retention metrics.

• Oversee experimentation on underwriting and model adjustments from hypothesis through to implementation.

• Provide mentorship in credit domain expertise and enhance underwriting evaluation and scaling methodologies.

• Work alongside senior leadership to pinpoint new underwriting-driven products, partnerships, and data sources.

• Report directly to the Director of Product Management.

• Influence credit access for millions of members while effectively managing business risk.

⛳️ Requirements

• 8+ years of experience in product or credit risk management, with at least 5+ years dedicated to credit, underwriting, or risk in consumer lending, fintech, or banking sectors.

• Extensive hands-on experience with underwriting models and decision strategies, including cash-flow-based or alternative-data underwriting.

• Demonstrated ability to establish a multi-quarter or multi-year underwriting strategy that can be executed by other product managers and teams.

• Strong quantitative and statistical acumen; proficient in collaborating with Data Science on model design, validation, and monitoring.

• Proven history of navigating regulatory and compliance requirements for consumer credit products.

• Exceptional communication skills at the executive level, with experience in presenting underwriting strategy and risk trade-offs to senior leadership.

• Strong sense of urgency and capability to act swiftly to test, validate, and implement improvements without compromising thoroughness.

• Proven capability to utilize AI tools to expedite underwriting analysis, model iteration, and decision-making processes.

• Bachelor's degree in a quantitative field such as Statistics, Economics, Finance, or Computer Science, or equivalent practical experience.

• Experience in underwriting BNPL, installment, or card products.

• Background in credit risk, data science, or actuarial roles prior to transitioning into product management.

• Experience mentoring or informally leading other product managers.

• Familiarity with Dave's core products (ExtraCash, Flex card, Dave Banking) or similar cash-advance and subscription-based lending models.

• Must be permanently authorized to work in the United States without the need for visa sponsorship.

🏝️ Benefits

• Opportunity to tackle challenging problems, learn, and grow alongside exceptional talent, while assisting millions in achieving their personal financial objectives.

• Flexible hours and a virtual-first work culture, complemented by a home office stipend.

• Comprehensive Medical, Dental, and Vision Insurance plans.

• Generous paid parental and caregiver leave.

• 401(k) savings plan with matching contributions.

• Access to financial advisory services and financial wellness support.

• Flexible PTO along with generous company holidays, including Juneteenth and Winter Break.

• Company-wide in-person events once or twice a year, as well as virtual events to connect with team members and leadership.

• Equity opportunities.