Thinking About a Career Move? We're Hiring New Talent l Dave

Sr. Member Experience Manager

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. The Opportunity Dave is growing fast and the member base is growing with it. As more people choose Dave over traditional banking, the feedback loop that helps us understand their experience needs to be sharper, more structured, and more connected to the decisions that drive the business. That's what this role builds. As Sr. Member Experience Manager, you'll own the Voice of Customer program and shape how Dave listens to, understands, and acts on member signals across every touchpoint. This isn't a "compile the feedback" role. You'll be the person translating what millions of members are experiencing into the structured, data backed case that gets in front of Product and Leadership and actually changes things. The work sits at a real intersection. You'll tie member sentiment to business outcomes like retention, engagement, and revenue, and make the argument that doing right by the member and growing the business are the same goal. At Dave they are. This role is how we make sure that case gets made consistently, on a regular cadence, with the numbers to back it up. If you want a high-visibility IC role where your work shapes product decisions and your voice carries weight across the org, this is it. What You'll Do Voice of Customer Program You are the voice of the customer within Dave. You own how member signals get turned into something the Dave team can act on. That means pulling input from every customer contact support data, app reviews, social conversations, community feedback, and surveys, including App Store and Google Play reviews and public social conversations. You decide what gets tracked, how it's measured, and when something is significant enough to escalate, including routing anything with reputational or policy circumvention risk to Complaints/Resolve so they can move fast. You'll build a structured, recurring rhythm for surfacing what matters: real-time visibility into issues and trend shifts as they happen, a monthly deep dive with Research into one specific friction area affecting members, and a periodic review of the biggest unresolved issues that you bring to Product and use to keep Leadership current. Each cycle produces a clear problem statement, not just a data dump, and you keep a running backlog so patterns don't disappear just because they miss a cycle. The readouts you deliver aren't a complaints list. They're a business case. A spike in a friction category is a churn signal. A recurring drop-off in a core flow means members are transacting less or leaving. You'll tie what you're hearing to the metrics that matter, retention, engagement, revenue, and member growth, and you'll partner with Member Insights and Data Analytics so the signal you're surfacing feeds the classifiers and dashboards the rest of MS&O relies on, not just your own readouts. Doing right by the member and making the business case are the same argument here. Members who trust the product stay longer, transact more, and tell others. Product Feedback and Member Advocacy When member signals point to a product gap, you build the case and bring it to Product in a way PMs can prioritize: a clear problem statement written from the member's perspective, backed by data, with a recommendation behind it. You're also the member's advocate in the room. That means showing up prepared, defending the friction point with specifics, adjusting when new information comes in, and helping the group reach a better decision because the member's perspective was actually represented. You're not there to report back. You're there to move the outcome. Dogfooding is part of how you stay credible in those conversations. You'll use Dave's products regularly and test new launches before they go out, so you know firsthand what the experience feels like before members do. Cross-Functional Work You'll represent the member's perspective across Product, Engineering, Operations, Marketing, Legal and Compliance, running the recurring syncs with product teams that keep pain points and open issues moving, and helping facilitate the forums where broader member experience initiatives get assigned an owner instead of stalling between meetings. What You'll Need Five or more years in member experience, Voice of Customer, customer insights, or CX with real program ownership A proactive and curious mindset with a natural drive to investigate patterns, identify opportunities, and improve the member experience. Experience gathering signals from multiple touchpoints, including app store reviews and public social conversation, and turning them into structured, actionable recommendations Strong judgment in separating isolated feedback from meaningful trends and determining when deeper analysis, escalation, or action is needed. Working fluency with Mode, Looker, or similar tools to independently build and defend a data-backed case Comfort leveraging AI tools such as Anthropic, OpenAI, and Gemini to guide research, synthesize feedback, identify patterns, and strengthen analysis. Comfort in cross-functional product conversations where you've made the member's case in a PM setting Experience advocating for agent-level tools, workflows, and product improvements that reduce friction, improve efficiency, and strengthen the member experience. A track record of building trusted relationships and influencing stakeholders across Product, Engineering, Operations, Marketing, Compliance, Research, and Data. Strong written communication: clear problem statements, crisp readouts, recommendations that get used Confidence speaking up, challenging assumptions respectfully, and calling out the obvious when needed to create clarity or resolve misalignment. Strong written and verbal communication with the ability to turn complex findings into clear problem statements, concise readouts, and actionable recommendations. The ability to move work forward without direct authority while navigating competing priorities and maintaining cross-functional alignment. Strong organizational skills with the ability to document decisions, maintain action items, track owners and deadlines, and ensure follow-through. Bonus Points Experience running a formal VoC or community engagement program Background in fintech or consumer financial services Familiarity with QA or contact center operations Experience in an agile product environment Comfort with tools like Mode, Looker, Zendesk, or Rippit (MaestroQA) 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

Lead Machine Learning Scientist

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. The Opportunity We're looking for a Lead Machine Learning Scientist to develop and deploy advanced machine learning solutions that help Dave detect fraud, protect our members, and responsibly expand access to credit. This is a deeply hands-on role for someone who loves solving complex problems through data, experimentation, and modeling. You'll work across the full machine learning lifecycle, from exploring large datasets and developing predictive models to deploying solutions, evaluating performance, and continuously improving results. You'll have meaningful ownership of technically challenging problems, with opportunities to influence how we approach fraud detection and risk decisioning. You'll collaborate closely with Product, Engineering, and Risk Operations while remaining actively involved in the modeling and technical execution that drives our business forward. What You'll Build & Own Build and deploy advanced fraud detection models. Personally develop, train, validate, and optimize machine learning models that identify synthetic identities, first-party fraud, account takeover, and emerging fraud patterns. Solve complex problems through data and experimentation. Explore large, diverse datasets, engineer predictive features, evaluate modeling approaches, and translate findings into production-ready fraud solutions. Own the end-to-end ML lifecycle. Take models from initial research and prototyping through testing, deployment, monitoring, and continuous improvement, ensuring solutions deliver measurable business results. Apply AI to accelerate machine learning development. Use modern AI tools and techniques to improve research, coding, feature development, experimentation, validation, and modeling workflows while maintaining strong technical rigor. Optimize fraud decisioning through measurable results. Analyze model performance, fraud trends, approval rates, and portfolio outcomes to identify opportunities to improve detection accuracy, reduce losses, and support responsible growth. Collaborate and contribute technical expertise. Partner with Engineering, Product, and Risk Operations to integrate models into production systems, solve implementation challenges, and share technical knowledge that strengthens the broader team. The Impact You'll Make Your models will help Dave make smarter, more responsible fraud and credit decisions. You'll directly contribute to reducing fraud losses, improving decision accuracy, and helping more members access the financial tools they need. What We're Looking For 7+ years of hands-on machine learning experience , with a demonstrated track record of personally developing, deploying, and optimizing predictive models in production environments. Deep fraud modeling expertise , including experience building ML solutions to detect identity fraud, synthetic identities, first-party fraud, and account takeover, ideally within fintech, consumer lending, or financial services. Advanced proficiency in Python and SQL , with strong experience in feature engineering, model development, experimentation, performance evaluation, and production ML systems. 4+ years of experience with ML frameworks and cloud technologies , including tools such as TensorFlow, PyTorch, Spark, and cloud-based ML infrastructure. Experience leveraging generative AI and AI-assisted tools across research, coding, analysis, experimentation, testing, and model development, with sound judgment in validating outputs. Strong analytical and business judgment , with the ability to evaluate trade-offs across fraud prevention, approval rates, profitability, compliance, and member experience. Proven end-to-end execution , with the ability to independently tackle complex ML problems, make sound technical decisions, and deliver measurable results. Strong communication and collaboration skills , including the ability to explain technical findings, partner across functions, and mentor fellow scientists through hands-on expertise. Bachelor's degree in Computer Science, Mathematics, Statistics, Engineering, or a related quantitative field, or equivalent practical experience. Bonus points: Experience with graph databases, graph-based fraud detection, or network analytics. What Makes Someone Successful Here You enjoy getting into the details. You're curious about data, thoughtful in your modeling decisions, and motivated by seeing your work make a measurable difference. You take ownership from problem definition through production, balancing technical rigor with practical business outcomes. You care about building solutions that work today and continue delivering value as Dave grows. You also recognize that great models don't exist in isolation. You collaborate openly, welcome feedback, and understand how your work connects to broader product and business decisions. When new information challenges your assumptions, you're willing to rethink your approach and find a better solution. What to Expect You'll have the autonomy to tackle complex technical challenges while working alongside collaborative partners who care about getting the details right. Our priorities evolve as we learn, and we rely on data, experimentation, and thoughtful discussion to guide decisions. We value technical excellence, meaningful ownership, and sustainable performance. Why Dave? At Dave, you'll work on challenging, real-world machine learning problems where your models directly influence business outcomes and member experiences. You'll have the opportunity to experiment with emerging AI technologies, develop sophisticated fraud detection solutions, and contribute to financial products that make a meaningful difference. Ready to build for the underdog? Reports to: Director, Risk Science Employment Type: Full-Time | Exempt 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

Organic Growth & Discovery Lead (SEO/AEO)

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. We're looking for an Organic Growth & Discovery Lead to own the on-site and off-site content that makes Dave findable in search and AI answer engines, and to turn that visibility into new members at an efficient cost. The Opportunity This role sits within the User Acquisition team and focuses on how Dave gets found. You will own the onsite content portfolio that earns the ranking, the offsite authority that earns the citation, and the reporting that proves any of it worked. Content is the whole job - most of what wins here is a well-built portfolio with real topical authority behind it and the editorial judgment to know what is worth publishing. Dave is an app-first business, so the bar for this channel is filling and converting the web-to-app funnel, generating new members at an efficient cost, not solely traffic acquisition. You will not own the technical layer. Your Product and martech partner owns site structure, site speed, the technical roadmap, and tooling. You need to be fluent enough in technical aspects of SEO and AEO to know what is limiting discoverability and to make the case for it cross-functionally. You’ll work closely with teams across brand, content, product, martech, analytics, partnerships, and compliance. AEO is new; not everything will be fully defined - part of the role is helping shape what organic discovery should even mean for a consumer fintech, including how we measure a surface the industry hasn’t standardized yet based on your SEO expertise. What you Build & Own Channel strategy: Define the strategy and roadmap for organic discovery across search and AI answer engines, and own the forecast, budget, and reporting cadence for marketing leadership. Onsite Content: Own the onsite content portfolio end-to-end: topical authority and content architecture, keyword and prompt research, intent mapping, the editorial roadmap, and the briefs that direct writers and agencies. Write and edit to a publishable standard, and run a consistent cadence of refresh, consolidation, and pruning so the portfolio gets stronger rather than just bigger. Offsite Content & Authority: Own where and how Dave shows up beyond dave.com , including forums, communities like Reddit, and other third-party sources that influence search and AI answers, working with marketing partnership and affiliate teams to earn the placements, coverage, and citations that build real authority. Answer Engine Visibility: Own how Dave shows up in ChatGPT, Claude, Perplexity, Gemini, and AI Overviews, including the measurement approach for citations, share of voice, and accuracy. Technical and tooling partnership: You will partner with Product and Martech leads on the technical work that unlocks discoverability and the tools this channel needs, bringing each a business case they can prioritize against. Measurement & Experimentation: Build the reporting that ties organic and AI-sourced traffic to installs, new members, and acquisition cost efficiency, including the content side of the web-to-app path. Trust & Compliance: Own the trust signals that make Dave's content credible to both search and answer engines: E-E-A-T, sourcing, author attribution, and factual accuracy. Financial content is held to a higher standard, so keep organic practices aligned with fintech regulatory requirements and Dave's brand safety standards. The Impact People look for ways to cover a bill before payday in many places, and more of that searching now happens within an AI assistant. The work you build here puts an affordable, transparent option in front of them at that moment, instead of leaving them to whatever surfaces first. What we’re looking for 8+ years of experience in SEO, content marketing, organic growth, or growth marketing, including at least 2 years of hands-on work on AEO, GEO, or AI search optimization and a track record of leading cross-functional initiatives (specifically for consumer products/b2c). Demonstrated success growing organic into a real acquisition channel measured against a business outcome and cost efficiency rather than traffic, with specific work you can walk through and explain. Onsite content strategy depth - you’ve built topical authority from scratch, mapped content to real search and prompt intent, directed writers through briefs, and made hard calls about what to consolidate or kill, with the writing and editing judgment to hold the work to a publishable standard. Offsite experience earning placements, coverage, or citations through partnerships, affiliates, or digital PR, and the judgment to explain why a given placement was worth pursuing. Current, hands-on experience improving visibility in AI answer engines, and a defensible point of view on how to measure it. Technical and data fluency without needing to be the expert - you can read a site audit, understand how structure and performance affect discoverability, brief a product team credibly, and pull and interrogate your own data in GA4, Search Console, spreadsheets, or SQL. Bonus if you have Fintech or financial services industry experience Experience with programmatic or templated content at scale Familiar with organic strategies for App channels (App Store Optimization, etc) What to expect You own the outcome, not just the ranking. You think about how organic discovery affects the broader business - from acquisition cost to member quality and long-term retention - and you get traction on work you don’t own by bringing a business case rather than a best practice. You exercise judgment about brand safety and regulatory risk without waiting to be policed. You also work well across teams. Organic discovery requires coordination across product, martech, brand, content, partnerships, and compliance, and you build trust with those partners along the way. When new information changes the path forward, you adjust thoughtfully while keeping momentum. Feedback and collaboration sharpen the work. You’ll have meaningful ownership in shaping how organic discovery contributes to Dave’s growth. Some opportunities will be clear. Others will require experimentation and creative thinking. Decisions here are grounded in data, member impact, and long-term business outcomes. Why join Dave Mission-driven impact — You'll build organic growth and discovery strategies for financial products that serve millions of underserved Americans. Your work directly impacts financial health and accessibility for people who need it most. Significant scope and growth — Dave is fast-growing and expanding into multiple new product categories in 2026. You'll have the opportunity to shape a multi-product content strategy across multiple launches and scale from day one. Strategic autonomy — This is a founding role for AEO. You'll have significant autonomy to build strategies, test tactics, and make decisions with limited constraints or playbooks to follow. Strong resources and support — You'll partner with world-class Product, Engineering, Analytics, and Marketing teams equipped to support your initiatives. You'll have the budget to test, learn, and scale. Meaningful challenges — You'll solve complex problems: reaching underserved audiences, building acquisition models for emerging financial products, managing unit economics in competitive channels, and driving profitable growth. Ready to build for the underdog? Reports to: Director, User Acquisition 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

Senior Product Manager, Financial Data Intelligence

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. Every credit decision Dave makes starts with data. It includes how much a member earns, when they get paid, and how they spend and repay. Our Financial Data Intelligence team builds and runs the financial data layer behind underwriting, collections, and the member experience across ExtraCash, Flex card, and the credit products we launch next. As our Senior Product Manager, Financial Data Intelligence, you'll own the strategy and roadmap for that platform. You'll turn raw bank transactions, account aggregation, and third-party data into trusted signals that help us say yes to more members and get those decisions right. You'll report to our Director of Product Management and work closely with Engineering, Data Science, Growth/Marketing, and Compliance. What you’ll build and own Own the platform roadmap: Define and drive a multi-quarter roadmap for the financial data platform. That covers vendor integration, ingestion, normalization, storage, and access for downstream use cases. Unlock smarter decisions: Partner with Data Science and Engineering to build data products and signals, such as income detection, cash-flow features, and repayment indicators, that improve underwriting and repayment prediction. Expand our data advantage: Lead discovery and evaluation of new financial data sources, APIs, and partnerships beyond core bank data. Take the best of them from pilot to production. Manage key partners: Own relationships with data aggregators and third-party data providers, balancing coverage, cost, and performance. Raise the bar on data quality: Set standards and monitoring for data accuracy, coverage, latency, and compliance, so every team that relies on this data can trust it. Own the numbers: Define and report on platform KPIs, and tie data improvements directly to business outcomes like approval rates, loss rates, and member retention. Shape what's next: Drive opportunities where financial data can unlock new credit products, features, and member experiences. The impact The data you deliver sits underneath every credit decision Dave makes. Better, faster, more reliable financial data means more members get access to money when they need it, and Dave makes smarter decisions with less risk. Your work will directly shape how Dave scales credit access to millions of Americans. What we’re looking for 5+ years of product management experience, including 2+ years in fintech, lending, or financial data products. Strong understanding of financial data systems, such as transaction data, account aggregation, credit bureau data, or payments infrastructure. A proven track record of building data platforms, APIs, or decisioning systems in a regulated environment. Experience managing external vendors and data partners, from evaluation and contracting input through integration and ongoing performance management. Strong analytical skills. You're comfortable using SQL and BI tools such as Mode, Looker, or Tableau to inform decisions. Excellent communication skills, with the ability to translate complex data and risk requirements into clear product specs and bring Engineering, Data Science, and business teams along with you. A strong sense of urgency. You act like a business owner and move quickly to test, validate, and ship without cutting corners on data quality. Proven ability to use AI tools to speed up data analysis, product discovery, and execution. Bachelor's degree in a quantitative field such as Statistics, Economics, Science, or Engineering, or equivalent practical experience. Nice-to-have Experience with cash advance, credit, or lending products. Knowledge of underwriting, repayment prediction, or risk modeling. Familiarity with Plaid, MX, Finicity, or similar data aggregation platforms. Hands-on familiarity with data pipelines, data modeling, or ML feature engineering. Experience running A/B tests or champion/challenger experiments to measure the impact of new data or model changes. What to expect This is a high-ownership role in a fast-moving credit environment, where you will set direction, make trade-offs, and turn complex financial data into products teams can rely on. Priorities will evolve as Dave learns from data, members, and new product opportunities, so success requires comfort with ambiguity and a practical, metrics-driven approach to deciding what to build next. Why join Dave Connect your work directly to Dave’s mission of expanding access to affordable financial products for people living paycheck to paycheck. Own a platform roadmap with broad influence across underwriting, collections, member experience, ExtraCash, Flex card, and future credit products. Partner closely with Engineering, Data Science, Growth/Marketing, and Compliance to move from data insight to measurable member and business outcomes. Solve meaningful challenges at the intersection of data quality, responsible credit access, risk, and product innovation. Ready to build for the underdog? Reports to: Director of Product Management 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

Staff Machine Learning Scientist

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. The Opportunity We're looking for a Staff Machine Learning Scientist to shape how Dave builds, evaluates, and governs machine learning models across the business. You'll set technical direction across credit, fraud, marketing, and growth while staying hands-on with high-impact modeling challenges. You'll establish practical governance standards, strengthen how we measure business outcomes, and help teams make better decisions with data. This role offers meaningful autonomy and the opportunity to influence how machine learning supports both our members and Dave's long-term growth. What You'll Build and Own Shape Dave's modeling strategy across underwriting, collections, fraud, marketing, and growth, influencing architecture, shared infrastructure, and investment priorities. Establish model governance standards covering validation, monitoring, risk classification, documentation, change management, and independent review throughout the model lifecycle. Build and improve credit models that inform underwriting, collections, and settlement strategies, balancing portfolio performance, profitability, and member outcomes. Strengthen responsible modeling practices by partnering with Legal, Compliance, Risk, and sponsor-bank stakeholders to translate regulatory requirements into measurable controls. Advance business measurement through meaningful metrics, experimentation, causal inference, and incrementality analysis that inform product and portfolio decisions. Develop AI-assisted workflows and mentor scientists to improve modeling efficiency, evaluation quality, and consistency across teams. The Impact Your work will influence how Dave makes critical financial decisions, measures success, and manages risk. By building reliable models and scalable governance practices, you'll help us expand access to useful financial products while supporting responsible, sustainable growth. What We're Looking For 8+ years of experience building production machine learning solutions, including demonstrated technical leadership at staff or principal scope. Strong experience with consumer credit modeling, portfolio economics, and risk-based decision systems, ideally in fintech or consumer lending. Experience with model validation, model risk management, or independent review in regulated environments, including familiarity with fair-lending and adverse-action considerations. Advanced proficiency in Python, SQL, statistical modeling, and machine learning frameworks such as PyTorch, XGBoost, or Spark. Experience designing experiments, defining business metrics, and measuring incremental impact through causal inference or holdout methodologies. Demonstrated ability to influence technical direction and communicate complex trade-offs across senior stakeholders. Practical experience using AI tools throughout the modeling lifecycle, with sound judgment in evaluating outputs. A bachelor's, master's, or doctoral degree in a quantitative field, or equivalent experience. Bonus: Experience evaluating or governing generative AI applications, including model guardrails and monitoring. What Makes Someone Successful Here You connect technical decisions to business outcomes and member experiences. You bring strong scientific judgment, challenge assumptions thoughtfully, and build solutions that remain reliable as the business evolves. You collaborate across disciplines, welcome constructive feedback, and help others strengthen their work. When priorities change or challenges aren't fully defined, you create clarity and move forward with sound reasoning and shared accountability. What to Expect You'll have significant independence and influence across teams, supported by partners in Engineering, Product, Finance, Risk, and Compliance. Decisions are grounded in evidence, and you'll help shape the standards and processes that guide future work. Why Join Dave? You'll tackle complex, meaningful challenges at the intersection of machine learning, financial access, and responsible innovation. You'll have the opportunity to shape company-wide technical practices while contributing directly to products that make a difference for millions of members. Ready to build for the underdog? 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

Lifecycle & CRM Operations Specialist

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. We’re looking for a Lifecycle & CRM Operations Specialist to build, test, and troubleshoot the complex Braze canvases and campaigns that reach Dave’s members, and keep member communications accurate and on time for Dave. The Opportunity This is an individual contributor role inside Lifecycle Marketing. You own the build and the QA for every canvas that reaches Dave’s more than 14 million members – branching logic, personalization, trigger timing, and the checks that catch a problem before a member ever sees it. What you’ll build and own Build and configure complex, multi-step Braze canvases – branching logic, audience entry, personalization, and trigger-based journeys. Perform end-to-end quality assurance reviews for CRM campaigns, including email/sms/push/in-app, customer journeys, triggered communications, and promotional campaigns Partner with Lifecycle Strategy teams, creative teams, and martech teams to ensure campaign requirements are implemented correctly and align with approved business specifications Investigate live campaign issues using Braze logs, segmentation reports, and performance data, partnering with Data and Engineering to fix them. Collaborate with Data Analytics and martech to ensure lifecycle marketing experiments and metrics are accurate, consistently defined, and updated across relevant dashboards. Validate the data behind the send: custom attributes, event schema, and catalog or Connected Content feeds, so a correct canvas doesn't ship against stale or mismatched source data. Build and maintain the QA checklists and documentation that keep the system auditable as campaign volume grows. Run the response when a live campaign goes wrong: pause or stop the send, size member impact, escalate, and write up the control that prevents a repeat. Route copy, disclosures, and campaign changes through Legal and Compliance review, and keep a clear record of what’s approved. The impact Every canvas you build and QA is a transaction, an alert, or an offer reaching a member who is counting on it being right. Catching an error before it ships protects trust Dave can’t easily rebuild. What we’re looking for 3+ years of hands-on Braze experience, building and QAing complex canvases Experience with complex canvas or journey logic – branching, trigger-based sends, liquid personalization, multi-step audience entry Experience with HTML and demonstrated ability to build, understand, and triage HTML for email rendering issues A track record of catching errors before launch, from segmentation mismatches to broken triggers to bad personalization tokens Comfortable using AI, SQL, or other tools to verify segment, audience, or cohort logic across canvases and campaigns. Strong documentation instincts, and experience working directly with Legal or Compliance teams on review and sign-off Experience in a regulated industry such as fintech, healthcare, or insurance is a plus What makes someone successful You take ownership of the quality bar for everything that ships, and you know the difference between a cosmetic issue and one that reaches a member incorrectly. You build a process where none exists instead of waiting for someone else to define it. When new information changes the path forward, you adjust thoughtfully while keeping momentum. Feedback and collaboration sharpen the work. What to expect You’ll have meaningful ownership in shaping the QA and build process behind Dave’s lifecycle program. Some opportunities will be clear. Others will require experimentation and creative thinking. Decisions here are grounded in data, member impact, and long-term business outcomes. Why join Dave Build the quality bar behind financial communications that reach millions of members who depend on getting them right Shape a QA process for a Lifecycle marketing team that’s growing in complexity and capabilities, with real room to define how it’s done Work alongside and learn from an established Lifecycle Marketing team that has been with Dave for 5+ years. Contribute to a profitable, publicly traded fintech serving more than 14 million members Ready to build for the underdog? Reports to: Director, Lifecycle Marketing 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

Product and Regulatory Legal Director

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. Dave is looking for an experienced product and regulatory attorney to help shape the next generation of financial products for our members. You'll bring deep expertise in consumer financial services, banking, and payments to help Dave innovate responsibly while navigating an evolving regulatory landscape. The Opportunity As Director, Product & Regulatory Legal, you'll be a trusted legal advisor to teams across Product, Engineering, Risk, Compliance, and Operations. You'll help shape product strategy, guide complex regulatory decisions, and build practical legal frameworks that support innovation and responsible growth. This is a senior individual contributor role with meaningful autonomy and visibility. You'll influence decisions across Dave's banking, lending, payments, and subscription products while balancing legal risk, business objectives, and member experience. What You'll Build & Own Shape product strategy: Partner with cross-functional teams to advise on new product launches, payment capabilities, banking services, and enhancements to existing products. Guide regulatory decisions: Provide strategic counsel on consumer financial regulations, state licensing, payments, bank partnerships, and emerging regulatory requirements. Support strategic partnerships: Draft, review, and negotiate complex commercial agreements with financial institutions, payment processors, fintech partners, and technology providers. Own complex legal matters: Serve as a subject matter expert on BaaS, NACHA rules, payment networks, BSA/AML, fraud, privacy, and consumer servicing matters. Anticipate what's next: Monitor regulatory developments, evaluate emerging financial technologies, and translate evolving requirements into practical business recommendations. Improve how Legal operates: Build scalable processes, strengthen regulatory monitoring, and thoughtfully leverage technology, AI, and outside counsel to improve efficiency and impact. The Impact Your work will directly influence how Dave develops and delivers accessible financial products. You'll help teams make informed decisions that protect our members, strengthen partnerships, and support sustainable growth. What We're Looking For J.D. from an accredited law school and active membership in good standing with a state bar. 7–10 years of relevant legal experience in consumer financial services, fintech, banking, or a related regulatory practice. Deep expertise in consumer banking and payments regulations, including Regulation E, NACHA rules, card network requirements, BSA/AML, and state money transmission laws. Strong working knowledge of applicable federal consumer financial regulations, including FCRA/FACTA, SCRA/MLA, FDCPA, FDIC insurance requirements, and GLBA/Regulation P. Experience advising on state licensing requirements, regulatory change management, and banking or lending operations. Demonstrated ability to independently evaluate complex legal issues, negotiate commercial agreements, and provide actionable, business-oriented counsel. Bonus Points Experience advising a neobank, banking-as-a-service platform, or consumer-facing fintech. Familiarity with digital assets, emerging payment technologies, or financial services regulatory advocacy. Experience improving legal workflows through automation or AI. What Makes Someone Successful Here You bring sound judgment, intellectual curiosity, and a practical approach to solving complex problems. You connect legal considerations to product strategy, operational realities, and member impact, helping teams make thoughtful decisions even when the path isn't fully defined. You're a collaborative partner who builds trust across functions, communicates complex issues clearly, and welcomes different perspectives. You take ownership of outcomes while recognizing that the strongest solutions come from shared expertise. What to Expect You'll operate with significant independence and work closely with leaders across Dave. Priorities will evolve as products, regulations, and business needs change. You'll have the opportunity to influence direction early, build durable solutions, and help teams navigate ambiguity with confidence. Why Join Dave? At Dave, we believe everyone deserves access to their own money without predatory fees. You'll have the opportunity to shape products that serve millions of members, influence meaningful business decisions, and work alongside people who value thoughtful execution, collaboration, and lasting impact. Ready to build for the underdog? Reports to: Senior Director, Assistant General Counsel 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

Commercial Legal Director

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. As Commercial Legal Director, you'll be a trusted legal advisor across Dave, bringing deep expertise in technology transactions, AI, and commercial contracting to some of our most important business decisions. You'll own complex negotiations, establish scalable contracting standards, and help teams navigate novel legal questions with sound judgment and practical solutions. This is an opportunity to influence how we operate across product, engineering, finance, marketing, and other functions while balancing business priorities, legal risk, and long-term impact. What You'll Own Lead complex commercial transactions: Own strategy, negotiation, and execution for high-impact agreements, including SaaS, technology licensing, partnerships, marketing, services, agency, and other commercial arrangements. Shape our legal frameworks: Develop and evolve negotiation standards, playbooks, templates, and contracting policies that support consistency, sound risk management, and business growth. Guide emerging technology decisions: Advise on complex legal issues involving AI, machine learning, intellectual property, data privacy, security, and evolving regulatory considerations. Build scalable legal operations: Improve contracting workflows, governance, and analytics using Ironclad and AI-enabled tools to make legal processes more effective, measurable, and sustainable. Advise across the business: Partner with leaders across engineering, product, marketing, finance, and people teams to evaluate risk, resolve complex challenges, and enable informed decisions. Advance legal strategy: Identify emerging legal and commercial risks, develop forward-looking solutions, and engage outside counsel when specialized expertise is needed. The Impact Your work will help Dave pursue new opportunities, strengthen commercial relationships, and navigate emerging technologies responsibly. By building thoughtful legal frameworks, you'll enable teams to move forward with clarity while protecting our members and supporting sustainable growth. What We're Looking For J.D. and 8+ years of relevant law firm and/or in-house legal experience, with substantial ownership of complex technology transactions and commercial matters. Demonstrated expertise negotiating sophisticated SaaS, licensing, partnership, and technology agreements. Deep understanding of AI-related commercial legal issues, including enterprise risk, intellectual property, data privacy, and security. Experience establishing legal contracting standards, playbooks, and scalable operational frameworks. Hands-on experience with Ironclad or comparable contract lifecycle management platforms. Strong commercial judgment, with the ability to evaluate complex risks and communicate practical recommendations to senior stakeholders. Exceptional communication, negotiation, and relationship-building skills. Bonus points for: Experience in fintech or financial services, AI/ML technologies, cloud services, and advertising or marketing transactions. What Makes Someone Successful Here You bring independent judgment to complex decisions and take responsibility for outcomes, not just agreements. You understand how legal decisions connect to our products, members, and broader business. You care about building solutions that hold up over time and know when to challenge assumptions, make thoughtful trade-offs, or recommend a different path. You also recognize that strong legal counsel depends on partnership. You build trust across functions, welcome different perspectives, and communicate complex issues clearly. When priorities or regulations evolve, you adapt your approach while maintaining sound legal principles and helping others move forward confidently. What to Expect You'll have meaningful autonomy, access to senior decision-makers, and the opportunity to shape practices across Dave. The work involves evolving business priorities and emerging legal questions, with decisions informed by data, thoughtful analysis, and collaborative problem-solving. Why Join Dave? At Dave, you'll work on meaningful challenges at the intersection of financial technology, AI, and commercial innovation. You'll have the scope to influence important decisions, build better systems, and contribute to a mission that directly impacts millions of members. Ready to build for the underdog? Reports to: Senior Director, Assistant General Counsel 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

Staff Product Manager, Loan Management System

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. Flex card is Dave's newest and most ambitious product, a pay-in-4 card built for the millions of members living paycheck to paycheck who've never had fair access to credit. Behind every purchase it makes is the system that turns a balance into a loan, casts it into installments, services it, and collects it. That system is the loan management system (LMS), and it's what this role owns. This is a senior individual-contributor role at the foundation of Flex and every loan product that comes after it. You'll own the LMS and the systems of record end-to-end: the ledger, loan casting, servicing, collections, and the compliance tooling around them. And you'll take it from a single-product build to a scalable platform, so that when Dave launches its next loan product, it runs on what you've built instead of starting over. If you like real ownership, hard systems problems, and building the infrastructure that makes fair credit possible at scale, this role is for you. What You'll Build & Own Own the loan management system : Lead the LMS and core systems of record: the ledger, loan casting at billing, the pay-in-4 installment structure, participation and installment fees, repayment, and collections. Build the platform, not just the product : Lead the build-vs-buy decision and the migration off our current loan-servicing platform onto a foundation that makes Flex faster, more reliable, and easier to iterate on. From there, evolve it from a single-product integration into a multi-product platform that future loan products reuse instead of rebuild. Ship the mechanics members feel : installment schedules aligned to paycheck dates, early payoff, and decline and failure handling. Own the numbers : Define and track system health, payoff rates, and loss performance, and use them to prioritize where to invest. Enable flawless execution : Work closely with Risk, Legal/Compliance (LECO), Data Science, Engineering, and Operations, and coordinate external partners (Coastal, LoanPro) on anything that touches casting, collections, or compliance. The Impact The LMS is where Flex's unit economics are won or lost. Payoff rates, loss performance, and whether members can repay on a schedule that fits their paycheck all run through the system you'll own and small improvements compound across every loan. You'll be building this foundation at its most formative stage. Get it right and Dave launches its next loan product in a fraction of the time, on infrastructure that's already compliant, auditable, and proven. The problems are real, the stakes are high, and your fingerprints will be all over how Dave lends for years to come. What We're Looking For Experience 8 + years of product management experience, with meaningful time in lending, credit, or financial systems Direct experience across the lending lifecycle (origination, underwriting, servicing, repayment, collections) and the risk and compliance considerations throughout A track record building internal platforms or systems of record, ideally through a single-product-to-platform transition Comfort setting direction in ambiguous, greenfield areas and driving execution across functions without formal authority Strong analytical skills; comfortable using data to inform decisions Proven ability to use AI tools as a force multiplier for speed, quality, and impact Bonus Experience with BNPL, installment, or pay-over-time products Hands-on experience with third-party loan-servicing systems (LoanPro or similar) Experience coordinating with bank or sponsor partners like Coastal Familiarity with adverse action notices, Reg B / FCRA, and consumer-lending compliance Experience with ledger or servicing migrations, or standing up a second product on shared infrastructure Why You'll Be Successful Here You thrive where the architecture is still being written. You take ambiguous, high-stakes systems problems and turn them into clear plans that ship, making smart trade-offs between speed, resilience, and long-term flexibility. You're rigorous about correctness and controls, but you never lose sight of the member repaying on the other end. You're steady when the stakes are high and the systems are load-bearing. You build trust with engineers, risk, and compliance partners by being clear, prepared, and decisive. You're motivated by real responsibility, welcome visibility with senior leaders, and see hard infrastructure work as the highest-leverage thing you can do. What to Expect Real autonomy over foundational infrastructure. High visibility and real accountability. You'll have direct influence over the system that determines how Dave lends, today and for every loan product that follows. Why join Dave Mission with scale: Tangible impact for millions of members — not theoretical Product at the core: Product is central to how Dave grows and wins Strong partners: Collaborative teams who care about building the right thing Meaningful ownership: Competitive compensation, meaningful equity in a public company (NASDAQ: DAVE), comprehensive benefits, 401(k) matching, and flexible PTO Ready to build for the underdog? Reports to: Senior Director, Product Management 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

FDIC insured up to $250,000

FDIC insured up to $250,000

FDIC insured up to $250,000

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Same competitive pay, wherever you work

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401(k) with company match

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Generous parental and caregiver leave

Comprehensive coverage

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Staff Product Manager, Loan Management System

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