Staff Product Manager, Credit Underwriting
Employment Information
Report this job
Job expired or something wrong with this job?
Job Description
Staff Product Manager owning CashAI underwriting strategy for Dave, a financial app serving underserved consumers. Expanding credit access across ExtraCash, Flex card, and future products.
Responsibilities:
- Own the strategy, roadmap, and models for CashAI, Dave's proprietary underwriting engine
- Drive an ambitious underwriting strategy and multi-quarter roadmap across Dave's portfolio of credit products
- Partner with Data Science, Engineering, and Product vertical owners to design, test, and scale a multi-product underwriting platform
- Expand differentiated credit signals beyond core bank data
- Own underwriting KPIs including take rate, loss rate, disbursement volume, and retention
- Lead experimentation on underwriting and model changes from hypothesis through rollout
- Mentor others on credit domain expertise and improve underwriting evaluation and scaling practices
- Partner with senior leadership to identify new underwriting-driven products, partnerships, and data sources
- Report to the Director of Product Management
- Shape credit access for millions of members while managing business risk
Requirements:
- 8+ years of product or credit risk management experience, including 5+ years focused on credit, underwriting, or risk in a consumer lending, fintech, or banking environment
- Deep, hands-on experience with underwriting models and decisioning strategy, including cash-flow-based or alternative-data underwriting
- Proven ability to set a multi-quarter or multi-year underwriting strategy that other product managers and teams execute against
- Strong quantitative and statistical fluency; comfortable partnering with Data Science on model design, validation, and monitoring
- Track record of navigating regulatory and compliance requirements for consumer credit products
- Executive-level communication skills, with experience presenting underwriting strategy and risk trade-offs to senior leadership
- Strong sense of urgency and ability to move quickly to test, validate, and ship improvements without cutting corners on rigor
- Proven ability to use AI tools to accelerate underwriting analysis, model iteration, and decision-making
- Bachelor's degree in a quantitative field such as Statistics, Economics, Finance, or Computer Science, or equivalent practical experience
- Experience underwriting BNPL, installment, or card products
- Background in a credit risk, data science, or actuarial role prior to moving 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 visa sponsorship
Benefits:
- Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals
- Flexible hours and virtual-first work culture with a home office stipend
- Premium Medical, Dental, and Vision Insurance plans
- Generous paid parental and caregiver leave
- 401(k) savings plan with matching contributions
- Financial advisor and financial wellness support
- Flexible PTO and generous company holidays, including Juneteenth and Winter Break
- All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team
- Equity
Similar Jobs
Staff Product Manager, SaaS Manager
Staff Product Manager leading SaaS Manager strategy and enterprise platform modernization at cybersecurity company 1Password. Driving integrations, reliability, admin experiences, and responsible AI capabilities.
Product Owner
Product Owner building AI-enabled legal enterprise software for Fragomen, the global immigration services firm. Owning roadmaps, Agile delivery, and case management platforms.
Staff Product Manager, Search Experiences
Staff Product Manager shaping privacy-focused AI search experiences for Mozilla’s Firefox browser. Driving search strategy, experimentation, partnerships, engagement, and revenue across desktop platforms.
Staff Product Manager, Search Experiences
Staff Product Manager shaping privacy-focused Firefox search and AI experiences at Mozilla. Driving browser search strategy, experimentation, partnerships, engagement, and revenue across desktop platforms.
Senior Product Manager, Mobile
Senior Product Manager improving Mozilla’s privacy-focused Firefox mobile browser. Driving iOS and Android activation, retention, app health, and global user growth.
Senior Product Manager, Mobile
Senior Product Manager improving Firefox mobile experiences for privacy-focused browsing. Driving iOS activation, retention, app health, and growth across global markets.
Senior Product Manager, Mobile
Senior Product Manager improving Mozilla’s privacy-focused Firefox mobile browser. Driving iOS activation, retention, growth experiments, and global user experiences.
Senior Product Manager, Mobile
Senior Product Manager improving Mozilla Firefox mobile browsing, activation, and retention. Shaping iOS and Android experiences for privacy-focused users and global markets.
Senior Product Manager, Mobile
Senior Product Manager improving Mozilla Firefox mobile browser experiences. Driving activation, retention, app health, and international growth through data-led product development.
Product Management Expert
Product management expert creating Fortune 500-scale scenarios, PRDs, and rubrics. Helping Mercor train frontier AI systems using enterprise product expertise.
Product Manager
Product Manager shaping secure, user-centered digital services for government agencies. Defining product direction, shipping web applications, and measuring outcomes for millions of Americans.
Group Product Manager, Payments
Group Product Manager optimizing Netflix’s global payments journey from checkout through billing and retention. Leading cross-functional teams to improve conversion, compliance, subscription lifecycle, and customer value.
Data & AI Product Manager
Data & AI Product Manager shaping roadmaps, adoption, and governance for production data and AI products at Salas O’Brien. Partnering with engineering pods and business stakeholders to deliver measurable value.
Director, Data & AI Product Management
Director leading Salas O’Brien’s internal data and AI product portfolio. Setting strategy, managing product owners, and driving adoption and measurable business value.
Product Lead – Platform & Enterprise
Product Lead building Sureel AI’s enterprise platform for rights, licensing, attribution, and protection. Translating commercial strategy and partner needs into scalable products for music and media.
Product Lead – Platform & Enterprise
Product Lead shaping Sureel AI’s enterprise platform for AI rights, licensing, attribution, and protection. Translating creator and partner needs into scalable products for music and media.
Product Manager – AI, Data Security
Product Manager shaping CTERA’s AI and data security products. Translating enterprise cybersecurity needs into features, requirements, and customer adoption.
Senior Product Manager
Senior Product Manager owning Guardio’s consumer online-protection setup and retention. Driving research, experimentation, and cross-functional product execution for millions of users.
Senior Product Manager
Senior Product Manager owning cybersecurity product strategy and AI-driven capabilities at Pentera, an automated security validation company. Leading roadmaps, Agile delivery, and enterprise SaaS product execution.
Senior Product Manager – Channel Management
Senior Product Manager owning pharmaceutical market-access channel products at IntegriChain, a Life Sciences market-access data and applications company. Driving strategy, discovery, delivery, and adoption across complex customer workflows.