Staff Product Manager, Credit Underwriting

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Staff Product Manager, Credit Underwriting based in the United States. This is a high-impact product leadership role focused on expanding access to responsible credit for millions of consumers. You will own the strategy, roadmap, and evolution of underwriting capabilities across a growing portfolio of credit products. Working at the intersection of Product, Data Science, Risk, and Engineering, you will turn complex data and models into scalable credit decisions. Your work will directly influence approval rates, losses, disbursement volume, retention, and sustainable revenue growth. You will lead experimentation, evaluate new credit signals, and continuously improve decisioning strategies with speed and analytical rigor. The role offers significant visibility with senior leadership and the opportunity to shape new products, partnerships, and data-driven growth initiatives. As a virtual-first organization, you will work with talented teams across the U.S. in an environment that values ownership, urgency, and measurable impact. 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 pra