Staff Product Manager, Credit Underwriting

Job not on LinkedIn

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $208k - $290k / year

⏰ Full Time

🔴 Lead

✅ Product Manager

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Dave

WebsiteLinkedInAll Job Openings

201 - 500 employees

💳 Fintech

🏦 Banking

👥 B2C

Fintech • Banking • B2C

Dave is a financial services company that aims to provide a fair and affordable banking experience for individuals who feel overlooked by traditional banks. The company was founded on the belief that banks have built products that are often predatory, exemplified by high overdraft fees. In an effort to combat this, Dave offers features like $500 advances, fee-free goal tracking, and support for individuals seeking side hustles to improve their financial situations. Their mission revolves around leveling the financial playing field and making financial solutions accessible to everyone.

📋 Description

• 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