> Markdown version of [/jobs/ext/2590328-remote](https://www.wearedevelopers.com/jobs/ext/2590328-remote). Every page supports `.md` or `Accept: text/markdown`. Links point to the HTML versions so they work for humans too. Agent guide: [/agents.md](https://www.wearedevelopers.com/agents.md). --- # Remote - **Company:** Dave, Inc. - **Location:** United States (Remote available) - **Experience:** Expert - **Salary:** $208,000.0 - $290,000.0 - **Contract:** Permanent contract - **Skills:** Artificial Intelligence, Information Technology - **Published:** August 24, 2026 - **Apply:** https://jobs.ashbyhq.com/dave/df44f23f-b6ee-4e5e-8bb5-c94bdd7bc308 ## About the Role * 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. Nice-to-have: * 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. ## Description 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. What you'll build and own: * 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. The impact: 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. ## Related Videos - [Building the Next Generation of Software](https://www.wearedevelopers.com/videos/100186-building-the-next-generation-of-software) - [Edit Your Future: Queerverse Radical AI](https://www.wearedevelopers.com/videos/909-edit-your-future-queerverse-radical-ai) - [Enabling intelligent logistics automation: home-grown Industrial IoT platform at Austrian Post](https://www.wearedevelopers.com/videos/2018-enabling-intelligent-logistics-automation-home-grown-industrial-iot-platform-at-austrian-post) - [Agentic employees in world's most downloaded FinTech app](https://www.wearedevelopers.com/videos/100123-agentic-employees-in-world-s-most-downloaded-fintech-app) - [AI is dead, long live AK](https://www.wearedevelopers.com/videos/1093-ai-is-dead-long-live-ak) - [It's not easy being green](https://www.wearedevelopers.com/videos/558-it-s-not-easy-being-green) ## Related Articles - [The Biggest German Tech Companies](https://www.wearedevelopers.com/magazine/424-the-biggest-german-tech-companies) - [Navigating the AI Shift](https://www.wearedevelopers.com/magazine/629-navigating-the-ai-shift) - [Coffee with Developers - Maria Apazoglou - Making AI understandable for all in production](https://www.wearedevelopers.com/magazine/475-coffee-with-developers-maria-apazoglou-making-ai-understandable-for-all-in-production) - [Highest Paying Tech Companies for Developers](https://www.wearedevelopers.com/magazine/220-highest-paying-tech-companies-for-developers) - [Graph and AI Trends 2026: Why Is AI Running but Not Yet Delivering?](https://www.wearedevelopers.com/magazine/680-graph-and-ai-trends-2026-why-is-ai-running-but-not-yet-delivering) - [E-Commerce in the Agentic Age: When "Buy" Becomes a Function Call](https://www.wearedevelopers.com/magazine/750-e-commerce-in-the-agentic-age-when-buy-becomes-a-function-call)