Staff Product Manager Credit Underwriting
Dave is a financial technology company offering a mobile app with ExtraCash overdraft services, checking accounts, savings goals, budgeting tools, and debit-card access. It serves consumers seeking flexible banking and short-term cash-management solutions.
Maintainer signals as of 8/23/2026
Funding history
About Dave Operating LLC
Dave Operating LLC operates Dave, a consumer-focused financial technology app designed to make banking and cash management more accessible. Its products include ExtraCash, which provides eligible members up to $500 through an overdraft service; Dave Checking, with direct deposit, debit-card spending, early paycheck access, ATM access, and budgeting tools; and Goals accounts for organizing and tracking savings. Dave serves individual consumers, particularly people seeking help managing expenses between paychecks, and provides its services through a mobile application in partnership with FDIC-member banks.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will own the underwriting strategy roadmap and models across multiple credit products. You will partner with Data Science Engineering and product leaders to expand credit signals manage underwriting KPIs lead rigorous experimentation and guide opportunities that improve growth while controlling risk.
Requirements
- 8+ years of product or credit risk management experience
- 5+ years focused on credit underwriting or risk in consumer lending fintech or banking
- Hands-on experience with underwriting models and decisioning strategy
- Experience with cash-flow-based or alternative-data underwriting
- Ability to set multi-quarter or multi-year underwriting strategy
- Strong quantitative and statistical fluency
- Experience partnering with Data Science on model design validation and monitoring
- Experience navigating regulatory and compliance requirements for consumer credit products
- Executive-level communication and senior leadership presentation experience
- Strong urgency and business ownership
- Ability to use AI tools for underwriting analysis model iteration and decision-making
- Bachelor’s degree in Statistics Economics Finance Computer Science or equivalent practical experience
- Experience underwriting BNPL installment or card products
- Credit risk data science or actuarial background
- Experience mentoring or informally leading product managers
- Familiarity with ExtraCash Flex card Dave Banking or similar lending models
Responsibilities
- Own the multi-quarter underwriting strategy and roadmap
- Design test and scale a multi-product underwriting platform
- Expand differentiated credit signals beyond core bank data
- Manage take rate loss rate disbursement volume and retention KPIs
- Lead experiments from hypothesis through company-wide rollout
- Mentor others on credit domain expertise
- Identify underwriting-driven products partnerships and data opportunities
Benefits
- Flexible hours
- Home office stipend
- Premium medical dental and vision insurance
- Paid parental and caregiver leave
- 401(k) matching contributions
- Financial advisor and financial wellness support
- Flexible PTO
- Company holidays including Juneteenth and Winter Break
- Company in-person and virtual events
