Director of Product, Data & Decision Science

Dave is one of the leading US neobanks and a pioneer in financial services, using disruptive technology to provide best in class banking services to millions of members at a fraction of the cost compared to incumbents. The anchor of our banking value proposition, ExtraCash, provides up to $500 of short term, interest free advances to members within minutes of joining. The speed to value, access and pricing of ExtraCash compared to traditional overdraft sets us apart from incumbents and is a key to our strategy to efficiently acquire transacting Dave debit card members.
We are looking for a Director level leader to join our Product Team. This role will focus on data and decision science, leading our strategy on what data to collect, store or transform to drive our credit risk and collections decisions while also supporting a range of customer communication and experience use cases.
Our ideal candidate has experience leading Fintech product teams with specific focus in the risk management and decision science domains.  Exceptional quantitative skills and ability to communicate and make data driven decisions will be critical to the success of this role.  While the job will include people management we want someone who is as comfortable running a product squad as they are with mentoring and coaching. 
Although not your direct reports, you and your PMs will lead teams of designers, data scientists, and engineers while partnering with marketing, legal, finance and other cross functional teams to evolve our product to a place that creates more value for our members and our business.

What you'll do:

• Set the roadmap and lead the execution across three product squads spanning financial data, underwriting and settlement/collections
• Develop and maintain a short term and 24 month roadmap that aligns to company, group and product objectives
• Manage and be accountable for product performance metrics around consumer data like income prediction rate, accuracy; business metrics like loss rates, net credit revenue; and cost metrics like bank partner data costs and payment processing costs
• Define squad priorities and commitments on a sprint by sprint basis
• Measure & communicate product performance on a regular basis during periodic business reviews and more frequently as needed
• Drive strong relationships with stakeholders to set and track short and long term goals
• Proactively collaborate with other members of product, data, engineering and finance to find ways to expand our offering
• Design and run A/B tests to constantly be learning about how to push our products forward
• Explore / discover new data sources that will help us make better decisions.

What you'll need:

• 8+ years experience in product management, ideally with most of that in Fintech or some risk management type business.
• 4+ years experience leading teams.A willingness to wear multiple hats and do what is needed to move the team forward
• Strong track record of cross-functional collaboration and stakeholder management
• Exceptional communication skills
• To be a proactive, self-starter to define the path forward on a new product
• To be able to effectively navigate through ambiguity and bring clarity to your team
• Strong analytical skills and an ability to parse through noise and recognize signals 

Don’t let imposter syndrome get in your 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 is a reflection of our 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, with the exception of 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.
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