Staff Product Manager (Credit Underwriting)

Location: Remote within the United States, except Hawaii

Salary: $208,000–$290,000 per year plus equity

Company

hirify.global is a financial technology company building affordable, transparent, and user-centric credit and banking products for financially vulnerable Americans.

What you will do

• Own the underwriting strategy and multi-quarter roadmap across ExtraCash, Flex Card, and future credit products.
• Partner with Data Science, Engineering, and product leaders to design, test, and scale a multi-product underwriting platform.
• Expand CashAI with differentiated credit signals beyond core bank data.
• Manage underwriting KPIs including take rate, loss rate, disbursement volume, and retention.
• Lead experiments on underwriting and model changes from hypothesis through company-wide rollout.
• Mentor product managers and identify new underwriting-driven products, partnerships, and data opportunities.

Requirements

• 8+ years of product or credit risk management experience, including 5+ years in credit, underwriting, or risk within consumer lending, fintech, or banking.
• Hands-on experience with underwriting models and decisioning strategy, including cash-flow-based or alternative-data underwriting.
• Experience setting multi-quarter or multi-year underwriting strategies for cross-functional teams.
• Strong quantitative and statistical fluency, including collaboration with Data Science on model design, validation, and monitoring.
• Experience navigating regulatory and compliance requirements for consumer credit products.
• Bachelor's degree in Statistics, Economics, Finance, Computer Science, or a related quantitative field, or equivalent practical experience.

Nice to have

• Experience with BNPL, installment, or card products.
• Previous experience in credit risk, data science, or actuarial roles.
• Experience mentoring or informally leading product managers.
• Familiarity with ExtraCash, Flex Card, hirify.global Banking, or similar lending models.

Culture & Benefits

• Virtual-first culture with flexible hours and a home office stipend.
• Premium medical, dental, and vision insurance.
• Paid parental and caregiver leave.
• 401(k) plan with matching contributions.
• Flexible PTO, company holidays, Juneteenth, and Winter Break.
• Financial wellness support and company events once or twice a year.