Director of Product - AI Underwriting

Role Description

The Director of Product - AI Underwriting owns the correctness of ARIVE AI’s Underwriting Rules and Pre-Underwrite outputs. This is an underwriting-expert-first role for someone who also understands the impact of AI. You will:

• Verify that every rule ARIVE AI generates and applies is faithful to the agency guides and to each lender’s specific guidelines and overlays.
• Work directly with lenders and agencies to review rules.
• Start as a hands-on individual contributor, with the potential to grow a team as the domain scales.

Key Responsibilities

• Rules Review & Verification: Review, test, and verify ARIVE AI Underwriting Rules against the agency guides and against each investor’s guidelines and overlays. Approve rules before release and re-verify them as guidelines change.
• Lender & Agency Validation: Work directly with lender credit and underwriting teams, and with the agencies as applicable, to confirm rule accuracy and correctness.
• Pre-Underwrite Output Ownership: Be responsible for Pre-Underwrite outputs end to end: audit findings, checklists, conditions, and the agents’ autonomous issue resolutions for accuracy on real files.
• Underwriting Depth: Direct the rules’ treatment of income, asset, credit, and collateral underwriting across agency and Non-QM programs.
• AI Development Partnership: Work daily with platform engineers to review and refine agent prompts, build evaluation datasets, and validate agent output.
• Guideline Change Management: Monitor agency and lender guideline updates and drive timely, verified rule changes.
• Roadmap & Launch Partnership: Shape the AI Underwriting roadmap and partner closely with various teams to successfully launch new capabilities.
• Metrics & Quality: Define and report the domain’s quality KPIs.

Qualifications

• Deep, demonstrated experience in detailed underwriting analysis — full-file review spanning the income, asset, credit, and collateral disciplines.
• 10+ years in mortgage underwriting and/or agency credit policy.
• A Bachelors or Masters degree is a strong plus.
• Mastery of agency guidelines — Fannie Mae Selling Guide, Freddie Mac Seller/Servicer Guide, and FHA Handbook 4000.1.
• Non-QM underwriting experience strongly preferred.
• Wholesale/TPO or correspondent lending background strongly preferred.
• Working knowledge of AI/LLM platforms and tools, and a genuine passion for technology.
• Willingness to travel approximately 20% — to our San Ramon office and to lender and agency partners.

Benefits

• The base salary range for this full-time position is $160,000 – $200,000 + 15% target performance-based bonus.
• The position is eligible for performance-based equity compensation.
• Comprehensive health, dental, and vision coverage.
• 401(k) with employer match.
• Flexible PTO.
• Work closely with the ARIVE platform engineering team, owning a flagship domain of the platform.