---
title: 'Staff Product Manager, ML Credit Strategy at Dave'
canonical: 'https://feeny.ai/job/staff-product-manager-ml-credit-strategy-dave-united-states-yeg09ay46ba5'
type: 'job'
last_seen: '2026-09-09'
---

# Staff Product Manager, ML Credit Strategy at Dave

- **Company:** Dave
- **Location:** United States
- **Compensation:** $208k–$290k
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-08-12
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.ashbyhq.com/dave/df44f23f-b6ee-4e5e-8bb5-c94bdd7bc308

## Job description

DAVE VS. GOLIATH. WE’RE DAVE.

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.

## 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.

## WHAT WE’RE LOOKING FOR:

- 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.

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.

## #LI-REMOTE

## About Dave

## Company Overview
- **One-liner**: Dave is a US neobank building AI-powered financial products that provide short-term liquidity and cash flow management tools for everyday Americans.
- **Entity Type**: Public (Ticker: DAVE on Nasdaq)
- **Headquarters**: Los Angeles, California, USA
- **Founded**: 2017
- **Founders**: Jason Wilk

## Core Business
- **Primary industry/industries**: Consumer fintech, neobanking, short-term credit, AI-powered underwriting
- **Target customers**: 185 million Americans who regularly need help covering basic necessities between paychecks; primarily B2C with a focus on underbanked and credit-challenged consumers
- **Mission or purpose statement**: To level the financial playing field for Americans who need it most

## Products & Services
- **ExtraCash®**: Flagship product; cash advance of up to $500 between paychecks with no credit check, no late fees, and no compound interest. Clear pricing at $5 per $100 borrowed. Uses CashAI™ for underwriting.
- **CashAI™**: Proprietary AI underwriting model that analyzes cash flow (not credit scores) across 180+ data points including income, bank balance, spending patterns, and transaction history. Processes billions of data points to deliver high credit limits and low loss rates.
- **DaveGPT**: Generative AI assistant integrated into the app for real-time member support, handling account management, direct deposit setup, ExtraCash management, and general questions.
- **Pay In Four Card (forthcoming)**: A short-term credit product aimed at disrupting subprime credit cards with no credit check, late fees, or compound interest, expected to launch in future.

## Market Standing
- **Valuation/Market Cap**: ~$555.9 million market cap as of 2025
- **Key Metric**: Over 14 million members; CashAI has originated more than 180 million transactions; loss rates declined to nearly 1% while originations per user grew triple digits; customer acquisition cost under $20 (vs. incumbents spending hundreds)
- **Notable Investors/Partners**: Publicly traded; leadership team includes Jason Wilk (Co-Founder & CEO), Kyle Beilman (CFO & COO), Kevin Frisch (CMO), Joan Aristei (CLO)
- **Growth Signals**: 30% of new members join via word of mouth; triple-digit growth in originations per user; loss rates declining to near 1%; developing next-generation Pay In Four card; mission-driven growth narrative

## Competitive Advantages
- **CashAI moat**: Proprietary cash-flow underwriting engine that delivers better outcomes for short-duration liquidity than traditional FICO scoring, leading to higher credit limits and lower loss rates
- **Member-centric, transparent pricing**: Flat fee structure ($5 per $100) with no hidden terms, no compound interest, and no debt sent to collections
- **Low-cost customer acquisition**: Word-of-mouth referrals drive 30% of new members at a fraction of incumbent marketing costs (<$20 vs. hundreds of dollars)
- **Speed to value**: Members can be approved for up to $500 within minutes of joining, creating a strong conversion funnel

## Strategic Focus
- **Scale the flagship**: Continue growing ExtraCash membership and transaction volume, leveraging word-of-mouth flywheel and AI-driven underwriting
- **Build next-generation credit**: Develop the Pay In Four card as a new product line aimed at subprime credit card replacement
- **Deepen AI capabilities**: Continue refining CashAI and DaveGPT as core infrastructure for underwriting and member support
- **Operating efficiency**: Maintain low operating costs to pass savings to members and sustain competitive pricing

## Why Work Here
- **Fully remote-first**: Dave is a fully virtual company; team members can work from anywhere in the U.S. (except Hawaii for now); company brings the team together 1–2 times per year plus team offsites [dave.com](https://dave.com/careers)
- **Same competitive pay regardless of location**: Compensation is not differentiated by employee work location [dave.com](https://dave.com/careers)
- **Culture values**: Member-centric, helpful, transparent, persistent, "better together" [dave.com](https://dave.com/about)
- **Benefits**: 401(k) with company match, free financial advising, generous parental and caregiver leave, comprehensive health/dental/vision/disability/life insurance, flexible PTO, Juneteenth and winter break off [dave.com](https://dave.com/careers)
- **Open roles**: Active hiring in Software Engineering, Data Analytics, Machine Learning Platform Engineering, Product Management, Security & IT (9 current openings) [jobs.ashbyhq.com](https://jobs.ashbyhq.com/dave)
- **Mission-driven**: Focus on building products that level the financial playing field for everyday Americans [dave.com](https://dave.com/about)

## Sources
1. [dave.com - About Page](https://dave.com/about)
2. [dave.com - Careers Page](https://dave.com/careers)
3. [investors.dave.com - Our Story](https://investors.dave.com/our-story)
4. [jobs.ashbyhq.com - Dave Jobs](https://jobs.ashbyhq.com/dave)
5. [linkedin.com - Dave Jobs](https://www.linkedin.com/company/dave-com/jobs)

## Other roles at Dave

- [Marketing Partnerships Lead](https://feeny.ai/job/marketing-partnerships-lead-dave-united-states-4qz8ytza8e09) — United States
- [Lead User Acquisition Manager](https://feeny.ai/job/lead-user-acquisition-manager-dave-united-states-cx0yvpkmy4vw) — United States
- [Sr. Member Experience Manager](https://feeny.ai/job/sr-member-experience-manager-dave-united-states-f1zazfz8sas9) — United States