Director, Product - Prefunding

Kapitus is seeking a Director of Product Management to lead the Decisioning & Closing Value Stream, including Intake, Underwriting, Decisioning, Closing, and Risk Enablement capabilities.

This role includes direct leadership of a team of Product Owners and Business Analysts, with full accountability for product strategy, roadmap delivery, and measurable business performance across the domain.

This role requires strong platform and systems thinking, the ability to understand technical constraints and trade-offs, and accountability for measurable economic outcomes.

You will be responsible for evolving the platform, advancing automation, and driving measurable business performance at scale.

What You’ll Do:

• Lead the Value Stream Strategy - Define and evolve the product vision for the Decisioning & Closing domain. Translate company priorities into a focused roadmap that strengthens underwriting capabilities, supports platform scalability, and drives long-term competitive advantage.
• Drive Impact and Performance - Own measurable outcomes across growth, approval-to-funding conversion, automation, risk performance, and customer experience. Make thoughtful trade-offs and ensure initiatives are tied to clear KPIs that strengthen portfolio health and long-term scalability.
• Lead High-Quality, Cross-Functional Execution - Drive execution from discovery through delivery in close partnership with Engineering, Risk, Operations, Sales, and Executive Leadership. Ensure initiatives are clearly defined, thoughtfully sequenced, and delivered with strong documentation, scalable design, and measurable business impact.
• Leverage Data as a Strategic Asset - Use analytics and performance insights to inform prioritization, validate outcomes, and continuously refine decisioning logic and automation capabilities.
• Lead and Develop a High-Performing Product Team - Directly lead and develop Product Owners and Business Analysts within the value stream. Elevate standards around discovery, prioritization, documentation, and ownership. Build a culture of accountability, clarity, and strategic thinking.

What We’re Looking For:

• Experience & Strategic Accountability
  • 8-12+ years in Product Management, with demonstrated portfolio or multi-product ownership and 3+ years leading product teams.
  • Experience owning end-to-end product strategy in fintech, lending, underwriting, credit, or other regulated environments.
  • Proven ability to translate product strategy into measurable financial outcomes.
  • Strong understanding of lending economics, risk-based pricing, and portfolio performance, with comfort owning metrics tied to conversion, automation, and margin impact.
• Platform & Systems Thinking
  • Experience working within complex, integrated systems.
  • Ability to understand system constraints, technical dependencies, and architectural trade-offs.
  • Experience influencing platform evolution in partnership with Engineering.
• Execution & Analytical Judgment
  • Proven experience leading complex cross-functional initiatives.
  • Strong prioritization and structured decision-making skills.
  • Comfort using KPIs and performance insights to guide product strategy.
  • Ability to bring clarity and structure to complex or ambiguous environments.
• Leadership & Influence
  • Experience leading and developing high-performing product talent.
  • Skilled at balancing collaboration with decisiveness.
  • Ability to elevate standards and create clarity in ambiguous environments.
  • Demonstrated ownership mindset and strong accountability.

Kapitus Total Rewards Package Includes: 

• Competitive Base Salary Range of $157,100-$252,000 Kapitus is providing this as a good faith salary range to comply with applicable law. The applicant’s final salary will depend on a number of factors including the applicant’s geographic location, skills, and experience.
• Annual Incentive Compensation Eligibility – Up to 15% annually
• Health Insurance:We offer comprehensive medical, dental, and employer-paid vision plans through UnitedHealthcare (UHC), with various coverage levels available to meet the needs of our employees and their families.
• 100% Company Paid Insurances: Kapitus fully covers the cost of basic short-term and long-term disability insurance, as well as vision insurance, ensuring our employees have comprehensive protection without any personal expense.
• Voluntary Insurance: Supplemental life insurance as well as enhanced short and long-term disability coverage are available through Mutual of Omaha, providing additional security for our employees. Additionally, Colonial Accident and Hospitalization insurances are also available, offering further protection against unforeseen events.
• Paid Parental Leave: Beyond state-mandated leave policies, Kapitus provides company-paid parental leave, supporting our employees during important family milestones.
• LifeBalance Program:Enhance your lifestyle with our LifeBalance membership, which offers discounts on outdoor activities, the arts, health, and fitness. Additional benefits include:

• Pet and car insurance discounts.
• Financial services such as LegalShield.
• Relaxation and stress management tools, including a fully covered annual subscription to The Calm App.
• Plum Benefits Discount Program: Access exclusive discounts on shows, travel, car rentals, and more, enriching your personal and family life.
• Tuition Reimbursement: Pursue further education with up to $5,000 annually in tuition reimbursement, plus opportunities to attend relevant conferences and career development events.
• Transit Reimbursement: We also offer transit reimbursement for all work-related travel, supporting your involvement in career and personal development activities.
• Paid Time Off and Sick Time
• Retirement Benefits: Our 401K plan is managed through Fidelity, featuring a 25% match on employee contributions, helping you plan for a secure financial future.

About Kapitus: 

Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, we can provide small businesses with the financing they need when, and how it is needed.  

We have spent our entire existence building a culture that makes us excited to come to work in the morning. Our company is fast paced, teammates need to be self-directed and have an internal motivation to do the right thing, even when the right thing takes a lot of hard work.  

We show our teammates our appreciation by offering great benefits, competitive pay and solid opportunity for growth.  

Company Mission: 

At Kapitus, our mission is to help small business owners grow their organizations by providing tailored, transparent, and ethical financing solutions. We invest in every business owner’s story and we are dedicated to building lasting relationships to champion their goals. We promise to keep the best interests of our clients at the center of the financing process by operating with transparency, fairness, and integrity.

Consideration will be given to qualified remote candidates residing in states where Kapitus and/or one of its subsidiaries has an established physical presence.