Staff Product Manager Credit Underwriting
Summary
Owns credit underwriting strategy, models, and risk management for multiple fintech lending products, collaborating with data science and product teams to expand credit signals, optimize KPIs, and drive growth while controlling risk.
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.
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
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
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