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Jason Wilk

Co-Founder and Chief Executive Officer, Dave

Search every verified Jason Wilk interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Jason Wilk, co-founder and CEO of Dave, discussed the company's dramatic rise and fall in a recent podcast appearance. He described Dave's public market debut at roughly a $4 billion valuation, followed by a market cap decline of about 98%, at one point falling below $60 million. Wilk stated that at the low point, the stock had minimal liquidity, trading about $10,000 a day in notional value, which made it difficult for investors to acquire shares. He also recounted receiving what he characterized as "pretty bad advice" during that period, despite the company holding significant cash on hand and having a clear path to profitability. Wilk also reflected on his personal experience of losing a large portion of his net worth, comparing himself to "the grandpa that went through the Great Depression." He said he still experiences imposter syndrome despite the company's subsequent rebound, which he described as roughly 100x from its bottom. He attributed the turnaround to keeping his team together, rebuilding the business around profitability, and using AI to improve underwriting. Wilk also discussed his views on venture capital board dynamics, saying that incentives are not always aligned between investors and company strategy, and contrasted that with his current public board, which he described as mostly independent and focused on governance.

Recent appearances

  • How I Built a $4B App, Then Lost It All

    October 06, 2026 · 📺 FORGED IN AMERICA PODCAST

    Jason Wilk has lived through one of the wildest round trips in public-market history. He co-founded Dave to take on the big banks and give everyday Americans a better alternative to overdraft fees and traditional short-term credit. The company went public at roughly a $4 billion valuation—then saw its market cap collapse by about 98%, at one point falling below $60 million. Jason didn't quit. He kept his team together, rebuilt the business around profitability, used AI to dramatically improve underwriting, and watched Dave stage an extraordinary comeback—roughly 100x from its bottom. In th…

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  • Why a 98% stock collapse made this fintech a $4B powerhouse ? - Jason Wilk [Dave]

    June 25, 2026 · 📺 Guillaume Moubeche

    On this episode of BILLIONS, I'm sitting down with Jason Wilk, four-time founder and CEO of Dave, the neobank built to take on the predatory overdraft fees that quietly bleed billions a year from the Americans who can least afford them. Jason's story is one of the wildest comebacks in fintech. After going public via SPAC in January 2022, Dave hit a $5 billion valuation, then the macro turned. Rates spiked, growth capital dried up, and within nine months the stock had collapsed 98%, dragging the company's market cap down to roughly $50 million, less than the cash sitting on its own balance she…

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  • How to Survive a Stock Collapse: What Founders Get Wrong About Going Public | Dave CEO Jason Wilk

    May 11, 2026 · 📺 Tiger Sisters

    Thank you SoFi for sponsoring this video. Sign up here: https://www.sofi.com/TigerSisters What does it take to keep building when your company loses 98% of its value publicly? Jason Wilk knows firsthand what it feels like to live on the financial edge. Before building one of the biggest names in fintech, Jason was overdrafting his checking account while trying to survive as a young entrepreneur. Today, Jason is the founder and CEO of Dave, the fintech company helping millions of Americans avoid overdraft fees and access short-term credit in a smarter, more personalized way. But the road…

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  • Jason Wilk, Founder and CEO of Dave at Go Restive 2026

    April 03, 2026 · 📺 Restive Ventures

    Dave went from a $100M market cap to one of fintech's biggest turnaround stories — 60% revenue growth, $554M in 2025 revenue, and AI-powered underwriting that's rewriting the playbook. Jason Wilk, CEO and co-founder of Dave, sits down with Ryan Falvey of Restive Ventures to break down how they did it. In this discussion, we dive into: Valuations and fundraising and public and private markets Incorporating AI into the enterprise Agentic Coding Alternative Underwriting Cashflow-based Lending #ai #stocks #venturecapital #fintech

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  • Dave Q4 2025 Earnings Call

    March 03, 2026 · 📺 i101

    Dave Q4 2025 Earnings Conference Call. If you find our work useful, please support us by purchasing a Super Thanks— it truly helps us a lot. #earningscall #StockMarketNews #conferenceCall Earnings Call | Earnings Conference Call | Earnings concall | concall | quarterly results | Stock News | Full Year results | Fiscal Year results | investment news | stock latest news If you want us to remove your company's earnings call or any other conference call, please reach out to [email protected].

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  • Dave vs Goliath: How Fintech Challenges The Banking Establishment with Dave CEO Jason Wilk

    February 18, 2026 · 📺 RiskReversal Media

    In this episode of The Risk Reversal Podcast, Dan Nathan and Guy Adami break down the massive rotation rocking the tech sector. Why are investors dumping software darlings like Salesforce, Adobe, and Oracle while Apple hits new highs? The guys debate whether the "AI tailwind" has officially become a headwind for SaaS companies and if the massive infrastructure spend by Microsoft and Google will ever generate a real return. After the break, Dan sits down with Jason Wilk, Founder and CEO of Dave ($DAVE). Jason shares his incredible founder journey—from a professional golf aspirant to landing Ma…

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  • Dave ($DAVE) CEO & CFO on Cash-Flow AI Underwriting, Open Banking, and Serving 12M Consumers

    October 22, 2025 · 📺 Benzinga and Marketopolis

    Dave CEO Jason Wilk and CFO/COO Kyle Beilman break down how the company wins by leading with short-term credit, using real cash-flow data instead of FICO, and keeping distribution open so customers don’t have to switch banks. The Highlights: • Why Dave’s “open” model (work with your existing bank, get value in minutes) lowers CAC and drives word-of-mouth compared with closed ecosystems • How cash-flow–based underwriting and AI sharpen risk decisions, inform longer-duration credit roadmaps, and guide build-vs-buy choices where advantage is durable • The team’s public company playbook: crisp th…

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  • Jason Wilk on Dave’s Rise, Collapse & AI Comeback | Restive Perspective Podcast

    September 03, 2025 · 📺 Restive Ventures

    On this episode of The Restive Perspective, Ryan Falvey sits down with Jason Wilk, founder & CEO of Dave — the fintech that went public faster than almost anyone before it. Jason shares how his personal challenges led directly to the company's origin, why people actually love overdraft (but hate the fees), and how the company turned overdraft protection into a technological breakthrough. He opens up about the highs and lows of going public, the clarity that losing 90% of the company’s value brought, and how the company's transformation into an AI leader is powering its meteoric growth. We c…

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  • Dave CEO, Jason Wilk: The Best Performing Fund Would Only Back YC Founders on Their Second Time

    April 21, 2025 · 📺 20VC with Harry Stebbings

    Jason Wilk is the Founder and CEO of Dave, the greatest turnaround in the public markets of the last 12 months. Dave went public with a market cap of $4BN, just months later the company had a market cap of $50M. Today, they are back with a market cap of $1.1BN. In 2024, CNBC named Dave the best-performing financial stock in the country, achieving 900% growth. ---------------------------------------------- In Today’s Episode We Discuss: 00:00 Intro 01:30 Do Rich Founders Make Better Founders 04:52 The Best Performing Fund Would Only Invest in YC Founders on Their Second Time 13:16 Why Did Jas…

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  • Podcast 217: Jason Wilk of Dave

    October 02, 2024 · 📺 Peter Renton

    Connect with Fintech One-on-One: • Tweet me @PeterRenton (  / peterrenton  ) • Connect with me on LinkedIn (  / peterrenton  ) • Find previous Fintech One-on-One episodes (https://fintechoneonone.com/)

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  • #329: Jason Wilk of Dave

    October 02, 2024 · 📺 Peter Renton

    The neobank space has really heated up the last couple of years. The leaders are getting real traction with millions of customers now and the rapid growth showing no signs of slowing down. These fintech companies have really changed consumer expectations now and we are seeing banks react to these new dynamics. Our next guest on the Fintech One-on-One podcast is Jason Wilk, the CEO and Co-Founder of Dave (https://dave.com/) (Jason was last on the show back in 2019 (https://www.lendacademy.com/podcast-2...) ). Dave was the first neobank to offer real overdraft protection and have starte…

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  • Episode 79 - Podcast Conversation: Building Dave, the neobank saving users $1B in overdraft fees

    August 01, 2023 · 📺 Fintech Nexus

    Episode Summary In this conversation, we chat with Jason Wilk, Co-Founder and CEO of Dave (NASDAQ:DAVE), a US challenger bank that has prevented $1 billion in overdraft fees, and has reached 10 million clients in just four years. Founded in 2017, Dave went public in January 2022 via SPAC that had a market cap of close to $4 billion. As a private company, Dave raised almost $200 million and attracted top investors and personalities like Mark Cuban, Norwest Venture Partners, Financial Solutions Lab, and even Diplo. But entrepreneurship runs in Jason’s blood, as he is a 4X founder, as well as, a…

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The summary and quote tags on this profile are produced with AI assistance from verified, first-person interview transcripts, then checked by our team to confirm the speaker's identity and the accuracy of every quote. See how we verify →