Product Manager – Credit, Cash Advance, Lending

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Descrição

• Own underwriting logic for both cash advances and loans. • Partner with Data Science to refine model thresholds, LTV caps, expected-loss calculations, and override rules. • Improve calibration between expected loss (EL) and actual portfolio performance. • Ensure decisioning is fast, consistent, and scalable across asset categories. • Improve clarity, trust, and ease-of-use in the borrowing experience. • Reduce friction and increase completion rates for both cash advances and loans. • Monitor loss rates, delinquency, utilization, and customer repayment behavior. • Work with Finance to maintain healthy margins and capital efficiency. • Implement guardrails that reduce adverse selection and improve overall risk quality. • Build dashboards and reporting that clearly communicate model health. • Own CX/Ops flows related to funding, repayment, manual review, and exceptions. • Build and own the quarterly roadmap for cash advances and lending.

🎯 Requisitos

• 5–8+ years of PM experience in credit, lending, underwriting, risk, or fintech. • Strong understanding of underwriting logic, expected-loss modeling, delinquency, and LTV frameworks. • Comfortable interpreting model outputs and turning them into credit rules and customer-facing flows. • Experienced partnering with Finance, Data Science, CX, and Engineering. • A product thinker who can simplify complex financial decisions into clear, user-friendly interfaces. • Able to operate at multiple altitudes — from credit model details to high-level product strategy. • You move fast, take ownership, and communicate clearly.

🏖️ Benefícios

• $100/month work-from-home stipend • $200/month wellness stipend • WeWork office stipend • 401(k) retirement benefits • Flexible vacation policy • Generous paid parental leave • Competitive healthcare benefits, including HSA, for you and your dependent(s)