Staff Product Manager, ML Credit Strategy

Dave is a financial app on a mission to build products that level the financial playing field. It is redefining the financial landscape by leveraging technology to create an affordable, transparent, and user-centric access to liquidity for millions of Americans. As a leading innovator in the U.S. financial services sector, Dave’s digital financial platform offers products designed to meet the credit needs of those underserved by traditional financial institutions. Dave’s offerings include its flagship ExtraCash product, providing members up to $500 within minutes. The company is on track to launch several new product offerings in 2026, including a Buy Now Pay Later (BNPL) option.

Dave is focused on serving Americans who are financially vulnerable or living paycheck to paycheck. Dave is leading the charge in creating a new era of credit products that prioritizes speed, affordability, and accessibility, making it the go-to financial partner for those who need it most.

CashAI, Dave's proprietary underwriting engine, powers every credit decision we make and is the biggest reason we can say yes to millions of members that competitors and incumbent lenders can't. As our Staff Product Manager, Credit Underwriting, you'll own the strategy, roadmap, and models that deepen that advantage and extend it across ExtraCash, Flex card, and the credit products we launch next, directly driving member growth and revenue. You'll report to our Director of Product Management and set the underwriting direction that other product managers, Data Science, Risk, and Engineering build against.

• 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.

Your decisions determine whether a member gets access to money they need and whether Dave gets that decision right. You'll shape how Dave scales credit access to millions of members while managing business risk – work that sits at the center of both our mission and our bottom line.

• 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.

• 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.

Don’t let imposter syndrome get in the way of an incredible opportunity. We’re looking for people who can help us achieve our mission and vision, not just check off the boxes. If you’re excited about this role, we encourage you to apply. You may just be the right candidate for this or other roles.

Why you’ll love working here: 

At Dave, our people are just as important as our product. Our culture reflects the values that guide who we are, how we work, and what we aspire to be. Daves are member-centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual-first company, team members can live and work anywhere in the United States, except Hawaii. 

A few of our benefits & perks:

💚 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

Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.

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