Staff Product Manager, Credit Underwriting

Accountabilities:

• • Own the multi-quarter underwriting strategy and roadmap across multiple consumer credit products, continuously identifying opportunities to expand responsible access to credit.
  • Partner with Data Science, Engineering, Risk, and other Product leaders to design, test, and scale a multi-product underwriting platform.
  • Identify and champion new, differentiated credit signals, including alternative data sources, to strengthen underwriting performance and decision quality.
  • Define and manage core underwriting KPIs, including take rate, loss rate, disbursement volume, and retention, balancing customer outcomes, risk, and business performance.
  • Lead experimentation across underwriting strategies and model changes, taking initiatives from hypothesis and testing through validation and broader rollout.
  • Translate complex quantitative and technical concepts into clear product strategies and actionable priorities for cross-functional teams and senior leadership.
  • Partner with senior leaders to identify new business opportunities enabled by underwriting capabilities, including new products, partnerships, and data sources.
  • Mentor product colleagues and serve as a subject-matter leader, raising the organization's capabilities in credit underwriting and decisioning.
  • Ensure underwriting strategies account for applicable regulatory, compliance, and consumer-credit requirements while maintaining a strong pace of innovation.

  Requirements:

  • 8+ years of experience in product management or credit risk management, including at least 5 years focused on credit, underwriting, or risk within consumer lending, fintech, banking, or a related environment.
  • Deep hands-on expertise with underwriting models and credit decisioning strategies, particularly cash-flow-based or alternative-data underwriting.
  • Demonstrated ability to establish and execute multi-quarter or multi-year underwriting strategies that guide the work of multiple product and technical teams.
  • Strong quantitative and statistical capabilities, with the ability to work closely with Data Science on model design, validation, experimentation, and monitoring.
  • Experience navigating regulatory and compliance requirements associated with consumer credit products.
  • Executive-level communication and stakeholder management skills, with confidence presenting complex underwriting strategies, business decisions, and risk trade-offs to senior leadership.
  • Strong business ownership and sense of urgency, with the ability to move quickly from ideas to validated improvements without compromising analytical rigor or responsible decision-making.
  • Proven ability to use AI tools to accelerate underwriting analysis, model iteration, research, and decision-making.
  • Bachelor's degree in Statistics, Economics, Finance, Computer Science, another quantitative discipline, or equivalent practical experience.
  • Experience with BNPL, installment lending, credit card products, or similar consumer credit offerings is a plus.
  • Background in credit risk, data science, or actuarial work before transitioning into product management is advantageous.
  • Experience mentoring or informally leading other product managers is beneficial.
  • Familiarity with cash-advance, subscription-based lending, or comparable consumer financial products is a plus.

  Benefits:

  • Competitive compensation aligned with experience and role scope.
  • Virtual-first work environment with the flexibility to live and work remotely anywhere in the U.S., except Hawaii.
  • Flexible working hours and 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 access and financial wellness support.
  • Flexible paid time off and generous company holidays, including Juneteenth and winter break.
  • Opportunities to work on complex, mission-driven challenges while learning alongside experienced professionals.
  • Company-wide in-person gatherings once or twice a year, plus virtual events designed to strengthen collaboration and connection.
  • An inclusive, collaborative culture centered on member impact, transparency, persistence, helpfulness, and teamwork.