Product Manager – Credit, Cash Advance, Lending

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The Job Sauce

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11 - 50 Mitarbeiter

The Job Sauce hilft Menschen dabei, ihre Traumjobs zu finden, und Unternehmen, ihre Traummitarbeiter zu gewinnen. Wir sind der Meinung, dass ein großartiger Job integraler Bestandteil eines erfüllten Lebens ist, und es gibt nur wenige Dinge, die besser sind, als Menschen dabei zu helfen, ein erfülltes Leben zu führen.

Beschreibung

• 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.

🎯 Anforderungen

• 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.

🏖️ Vorteile

• $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)