Staff Product Manager, Credit Underwriting

• Own the roadmap: Continually drive an ambitious underwriting strategy and multi-quarter roadmap across Dave’s portfolio of credit products to expand credit access to more members.
• Build credit solutions that scale: Partner with Data Science, Engineering, and Product vertical owners to design, test, and scale a new multi-product underwriting platform.
• Expand data advantage: Champion the expansion of new, differentiated credit signals beyond core bank data to continually strengthen CashAI performance.
• Own the numbers: Own the KPIs that matter most to the underwriting function – take rate, loss rate, disbursement volume, and retention – and manage trade-offs to the business.
• Drive speed to learning: Lead experimentation on underwriting and model changes, from hypothesis through rollout, with rigor before scaling company-wide.
• Be a force multiplier: Mentor others on credit domain expertise and help raise the bar for how Dave evaluates and scales new underwriting approaches.
• Shape what’s next: Partner with senior leadership to identify new underwriting-driven business opportunities – new products, partnerships, or data sources – that unlock growth.

• 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.
• A 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 – you act as a business owner 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.

Pay range: $208K - $290K

• 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