VP of Engineering and Product
Opportunity Summary
Founding-level executive role leading product roadmap and engineering delivery for a confidential AI-powered lending data and orchestration platform.
About the Opportunity
This confidential lending technology venture is building an AI-powered lending data and orchestration platform. The platform verifies the borrower once and orchestrates across every counterparty and every vertical: mortgage first, followed by personal, auto, healthcare, and SMB lending.
Three surfaces sit on one unified spine:
Verified Borrower Wallet
The verified borrower wallet. Tokenized financial passport, lender-neutral, and Quiet Mode protected. Borrowers share permissioned data while verified lenders compete for them.
Life-of-Loan Monitoring
Post-close, life-of-loan monitoring. Early-warning triggers become recurring recapture revenue for lenders and wallet credits for borrowers.
Offer & Yield Engine
The yield engine. Verified data fused with lender credit boxes to approve more borrowers at less risk.
Live Data Stack & Market Distribution
The core data infrastructure is already in production and expanding:
- Property and collateral-data integrations
- Consumer credit, income, and employment-data integrations
- Permissioned bank-data and asset-verification integrations
- Additional open-banking and identity-data integrations in progress
The mortgage spine is in production with design-partner lenders today, and distribution partnerships across adjacent lending categories are currently being finalized.
The Role & Mission
We are looking for a VP of Engineering and Product who has shipped a D2C lending marketplace or platform from early scale to growth. You have sat at the intersection of financial data integrations, lender connectivity, consumer-facing product, and affiliate or distribution partnerships. You know what it takes to build trust with borrowers and compliance with regulators at the same time. You will own engineering delivery and product roadmap across all three surfaces, lead a growing team, and serve as the technical and product voice in partner, lender, and investor discussions.
Reporting Structure: You will report directly to the Founder & CEO. You will own engineering delivery and the product roadmap across all three surfaces, lead a lean and growing technical team, and serve as the technical and product authority in lender, partner, and investor discussions.
“This is not a pure management role. We need someone who can architect, decide, and ship, not just coordinate.”
What You Will Own
Product Leadership
- Full product roadmap across the verified borrower wallet, lifecycle monitoring, and offer-matching surfaces.
- Consumer UX and borrower journey from wallet creation through offer selection and post-close monitoring.
- Lender-side dashboard, offer submission, and fee-blind matching mechanics.
- Affiliate and partner product surfaces: insurance re-shop, property tax appeal, home services, and more.
- Roadmap sequencing across verticals: mortgage live at launch, personal and auto in April, healthcare and SMB to follow.
Engineering Architecture & Delivery
- End-to-end delivery of the platform architecture: data ingestion, tokenization, orchestration, matching, and monitoring layers.
- Data partner integrations across property, credit, income, employment, and permissioned financial data.
- Lender connectivity: offer submission APIs, credit box integration, and pre-underwriting flows.
- AI and ML layer built with our AI engineering team: orchestration agents, credit signals, and early-warning triggers.
- Security, compliance architecture (RESPA, FCRA, ECOA), and data permissioning controls.
- Scalable infrastructure from mortgage to five lending verticals.
Team & Organizational Growth
- Lead current engineering and product contributors.
- Build out the engineering and product team as the platform launches and expands across verticals.
- Partner closely with the current Fractional CTO transitioning into an advisory capacity, alongside AI/data and domain advisors.
Qualifications & Experience
Required Background
- 8 or more years of product and/or engineering leadership at a D2C lending marketplace, lending platform, or fintech data platform.
- Hands-on experience integrating with financial data providers: credit bureaus, income verification, property data, open banking, or bank-sourced data.
- Deep understanding of lender connectivity: how lenders submit offers, review borrower data, and plug into a marketplace.
- Consumer-facing product experience: onboarding flows, identity verification, permissioned data, trust, and retention mechanics.
- Experience building or operating affiliate or partner distribution surfaces.
- Comfort with the regulatory environment: RESPA, FCRA, ECOA, UDAAP, and state lending laws at the product architecture level.
- Track record of shipping at an early-stage or growth-stage company, not just coordinating at a large enterprise.
Strongly Preferred
- Experience in borrower data, mortgage technology, embedded finance, or comparable consumer-finance infrastructure.
- Familiarity with tokenized borrower profiles, consent management, and privacy-preserving data architectures.
- Experience building on top of or alongside AI agents and ML pipelines.
- Multi-vertical platform experience executing a playbook across more than one lending category.
The Opportunity & Milestones
- Mortgage vertical in production with design-partner lenders today; scheduled launch Jan 1, 2027.
- Personal and auto verticals live by April 2027; healthcare and SMB expansion to follow.
- 100 lenders across QM and non-QM at launch.
- Data partners signed on outcome-based COGS terms: costs scale only as revenue is realized.
- Advisory board includes operators with experience across mortgage technology, consumer lending, data infrastructure, and financial services.
- AI advisors with applied model architecture and machine learning engineering depth.
Compensation & Equity
This is a founding-level executive hire. Compensation includes a competitive base, meaningful equity, and the opportunity to build the infrastructure layer powering the next generation of borrowers and lenders.
The employer is an equal opportunity employer committed to building a team as diverse as the borrowers it serves.
Ready to Apply?
Apply for VP of Engineering and Product
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