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.

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