Description

You will own the full credit system end-to-end, including underwriting logic, risk thresholds, expected-loss modeling, decisioning speed, borrowing experience, and operational workflows, working closely with Pricing, Data Science, Finance, and CX to build a world-class credit engine that delivers fast liquidity while maintaining strong portfolio performance.

Requirements

• 5–8+ years of PM experience in credit, lending, underwriting, risk, or fintech.
• Strong understanding of underwriting logic, expected-loss modeling, delinquency, and LTV frameworks.
• Comfortable interpreting model outputs and turning them into credit rules and customer-facing flows.
• Experienced partnering with Finance, Data Science, CX, and Engineering.
• Ability to simplify complex financial decisions into clear, user-friendly interfaces.
• Able to operate at multiple altitudes — from credit model details to high-level product strategy.

Responsibilities

• Own underwriting logic for cash advances and loans, refining model thresholds, LTV caps, expected-loss calculations, and override rules.
• Own the borrower UI/UX end-to-end: application → offer → funding → repayment, improving clarity, trust, and ease-of-use.
• Monitor loss rates, delinquency, utilization, and customer repayment behavior; work with Finance to maintain healthy margins and capital efficiency.
• Own CX/Ops flows related to funding, repayment, manual review, and exceptions; reduce operational overhead through automation.
• Build and own the quarterly roadmap for cash advances and lending; align Engineering, Data Science, CX, Finance, Compliance, and Marketplace Ops.