• Own underwriting logic for both cash advances and loans. • Partner with Data Science to refine model thresholds, LTV caps, expected-loss calculations, and override rules. • Improve calibration between expected loss (EL) and actual portfolio performance. • Ensure decisioning is fast, consistent, and scalable across asset categories. • Own the borrower UI/UX end-to-end: application → offer → funding → repayment. • Improve clarity, trust, and ease-of-use in the borrowing experience. • Reduce friction and increase completion rates for both cash advances and loans. • Develop features that encourage responsible, repeat borrowing. • Monitor loss rates, delinquency, utilization, and customer repayment behavior. • Work with Finance to maintain healthy margins and capital efficiency. • Implement guardrails that reduce adverse selection and improve overall risk quality. • Build dashboards and reporting that clearly communicate model health. • Own CX/Ops flows related to funding, repayment, manual review, and exceptions. • Reduce operational overhead through automation and clear logic pathways. • Ensure operational processes scale with volume while maintaining strong controls. • Build and own the quarterly roadmap for cash advances and lending. • Align Engineering, Data Science, CX, Finance, Compliance, and Marketplace Ops. • Communicate priorities clearly and drive disciplined, cross-functional execution.