Product Manager, Loan Management System

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 Extra Cash 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.

• 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, Loan Pro) on anything that touches casting, collections, or compliance.

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.

Experience

• 8 + years of product management experience, with meaningful time in lending,…