Product Owner

As a Product Owner at Kapitus, you will help design and deliver the next generation of automation capabilities that power our sales, decisioning and customer experiences. This team builds the services that enable preapprovals, auto approvals, and automated marketplace submissions — integrating deeply with our data sources, risk models, and offer engines.
You will act as the “CEO” of your product area, working with engineers, data scientists, and business partners to translate complex financial logic into scalable, automated solutions. You’ll ensure we are building the most valuable and reliable services possible to improve speed, accuracy, and predictability across all Kapitus products.

What you will do:

• Manage and execute on the vision and roadmap for decision automation services, balancing business growth, credit risk management, and customer experience.
• Collaborate across teams, sales, underwriting, data science, risk, and operations to align on shared objectives and service dependencies.
• Work closely with developers and data engineers to translate model outputs and variable sets into automated decision flows.
• Author detailed user stories and acceptance criteria for data-driven services and integrations, with clear logic for decisioning, scoring, and offer creation.
• Leverage data and experimentation to validate assumptions, optimize decision quality, and continuously improve automation outcomes.
• Partner with analytics and risk teams to ensure alignment on model integration, key variable retention, and governance across systems.
• Adapt priorities and scope to deliver the highest-value solutions while balancing speed, cost, and risk.
• Own the backlog and represent the voice of the business, ensuring clarity and alignment for development and analytics teams.

What we’re looking for:
• You are an experienced Product Owner with strong analytical instincts, exceptional collaboration skills, and a passion for automating intelligent decisioning systems.
• 5+ years of experience as a Product Owner or Analyst in financial services, lending, or risk management.
• Deep understanding of credit and cashflow data sources (e.g., bureaus, bank data, financial statements) and how they inform lending decisions.
• Experience with data-driven products, service design, and automation frameworks.
• Ability to translate technical concepts (variables, scores, thresholds, rules) into business-friendly narratives.
• Strong proficiency in user story writing, especially for service-oriented or data-driven features.
• Skilled at balancing competing priorities and communicating clearly across both technical and non-technical audiences.
• Familiarity with risk models, API integrations, and decisioning tools (e.g., GDS Link, Salesforce, or similar).
• Passion for problem-solving, continuous improvement, and scalable system design.

Kapitus Total Rewards Package Includes:
• Competitive Base Salary Range of $96,300 – $154,400 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 10% 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 Maternity and Parental Leave: Beyond state-mandated leave policies, Kapitus provides company-paid maternity and 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:
o Pet and car insurance discounts.
o Financial services such as LegalShield.
o 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.