Director, Product - Prefunding
Kapitus is seeking a Director of Product Management to lead the Decisioning & Closing Value Stream, encompassing Intake, Underwriting, Decisioning, Closing, and Risk Enablement capabilities. This role involves 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. The position requires strong platform and systems thinking, the ability to understand technical constraints and trade-offs, and accountability for measurable economic outcomes. The Director will be responsible for evolving the platform, advancing automation, and driving measurable business performance at scale.
Key responsibilities include defining and evolving the product vision for the Decisioning & Closing domain, translating company priorities into a focused roadmap that strengthens underwriting capabilities, supports platform scalability, and drives long-term competitive advantage. The role involves owning measurable outcomes across growth, approval-to-funding conversion, automation, risk performance, and customer experience. The Director will drive execution from discovery through delivery in close partnership with Engineering, Risk, Operations, Sales, and Executive Leadership, ensuring initiatives are clearly defined, thoughtfully sequenced, and delivered with strong documentation, scalable design, and measurable business impact. Additionally, leveraging analytics and performance insights to inform prioritization, validate outcomes, and continuously refine decisioning logic and automation capabilities is essential.
The ideal candidate will have 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 is required. A proven ability to translate product strategy into measurable financial outcomes, along with a strong understanding of lending economics, risk-based pricing, and portfolio performance, is essential. The candidate should have experience working within complex, integrated systems, the ability to understand system constraints, technical dependencies, and architectural trade-offs, and experience influencing platform evolution in partnership with Engineering. Proven experience leading complex cross-functional initiatives, strong prioritization and structured decision-making skills, and comfort using KPIs and performance insights to guide product strategy are also necessary. Leadership qualities include experience leading and developing high-performing product talent, balancing collaboration with decisiveness, and demonstrating an ownership mindset and strong accountability.
Kapitus offers a competitive base salary range of $157,100-$252,000, with the final salary depending on factors such as geographic location, skills, and experience. The total rewards package includes comprehensive medical, dental, and employer-paid vision plans through UnitedHealthcare, 100% company-paid short-term and long-term disability insurance, and vision insurance. Additional benefits include supplemental life insurance, enhanced short- and long-term disability coverage, paid parental leave, a LifeBalance membership offering discounts on various activities, a Plum Benefits Discount Program, tuition reimbursement up to $5,000 annually, transit reimbursement for work-related travel, paid time off and sick time, and a 401K plan managed through Fidelity with a 25% match on employee contributions.
Kapitus is one of the most reliable and respected names in small business financing, serving as both a direct lender and a marketplace with a trusted network of lending partners. The company is fast-paced, requiring teammates to be self-directed and internally motivated to do the right thing, even when it requires hard work. Kapitus shows appreciation to its teammates by offering great benefits, competitive pay, and solid opportunities for growth. The company's mission is to help small business owners grow their organizations by providing tailored, transparent, and ethical financing solutions, investing in every business owner's story, and building lasting relationships to champion their goals.