Role Overview

• Own the full credit system end-to-end — underwriting logic, risk thresholds, expected-loss modeling, decisioning speed, borrowing experience, and operational workflows.
• Partner closely with Pricing, Data Science, Finance, and CX to build a world-class credit engine delivering fast liquidity with strong portfolio performance.

Credit Decisioning Engine

• Own underwriting logic for cash advances and loans.
• Partner with Data Science to refine model thresholds, LTV caps, expected-loss calculations, and override rules.
• Improve calibration between expected loss and actual portfolio performance.
• Ensure fast, consistent, scalable decisioning across asset categories.

Cash Advance & Lending Product Experience

• Own borrower UI/UX end-to-end: application, offer, funding, repayment.
• Improve clarity, trust, ease-of-use in borrowing experience.
• Reduce friction and increase completion rates for cash advances and loans.
• Develop features to encourage responsible, repeat borrowing.

Portfolio Performance & Risk

• Monitor loss rates, delinquency, utilization, customer repayment behavior.
• Work with Finance for healthy margins and capital efficiency.
• Implement guardrails to reduce adverse selection and improve risk quality.
• Build dashboards and reporting to communicate model health.

Operational Workflows

• Own CX/Ops flows for funding, repayment, manual review, exceptions.
• Reduce operational overhead via automation and clear logic pathways.
• Ensure scalable operational processes maintaining strong controls.

Roadmap + Execution

• Build and own quarterly roadmap for cash advances and lending.
• Align Engineering, Data Science, CX, Finance, Compliance, and Marketplace Ops.
• Communicate priorities clearly and drive cross-functional execution.

Metrics You’ll Own

• Northstar Metric: Risk-Adjusted Portfolio Performance.
• KPIs include Offer Acceptance Rate, Lending Conversion Rate, Loss Rate vs Expected Loss, Delinquency Rate.

What Great Looks Like (6 Months)

• Higher offer acceptance and lending conversion without increasing losses.
• Faster underwriting decisions.
• Improved model calibration and simpler borrowing experience.
• Clean, scalable operational workflows and stable portfolio performance.

Who You Are

• 5–8+ years 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 into credit rules and customer flows.
• Experienced partnering with Finance, Data Science, CX, and Engineering.
• Product thinker simplifying complex financial decisions into user-friendly interfaces.
• Able to operate from credit model details to high-level product strategy.
• Fast-moving, ownership-taking, clear communicator.