Director of Product, AI Underwriting

ARIVE, a mortgage fintech platform, is seeking a Director of Product for AI Underwriting to own the governance and validation of its AI-driven underwriting engine. This is a rules-and-compliance role at the center of automated mortgage decisioning: the director reviews, tests, and verifies ARIVE's AI underwriting rules against the agency guides and each investor's guidelines and overlays, approves rules before release, and re-verifies them as guidelines change.

The role verifies the AI agents' autonomous actions with the same rigor expected of a senior human underwriter, ensuring every automated issue resolution is correct and guideline-compliant. It works directly with lender credit and underwriting teams, and with the agencies where applicable, to confirm rule accuracy, reconcile interpretation differences, and maintain lender-specific rule sets as the source of truth. The director owns Pre-Underwrite outputs end to end, including audit findings, checklists, conditions, and the agents' autonomous issue resolutions, triaging errors and driving root-cause fixes. The work also includes reviewing prompts, reasoning about agent behavior, and contributing to model and agent evaluations.

• Deep, demonstrated experience in detailed underwriting analysis, including full-file review across income, asset, credit, and collateral disciplines at senior scope
• 10+ years in mortgage underwriting and/or agency credit policy; a bachelor's or master's degree is a strong plus
• Mastery of agency guidelines, including the Fannie Mae Selling Guide, Freddie Mac Seller/Servicer Guide, and FHA Handbook 4000.1, with VA and USDA experience valued and Non-QM underwriting experience strongly preferred
• Wholesale/TPO or correspondent lending background strongly preferred, including collaboration with lender underwriters, account executives, and setup teams
• Working knowledge of AI and LLM platforms and tools, with the ability to review prompts, reason about agent behavior, and contribute to evaluations

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Location

San Ramon, CA, United StatesUS