Director of Product – AI Underwriting
ARIVE · San Ramon, CA · 1 mo ago
RemoteRemoteMarketing$160k/yrFull-time
We need to output HTML fragment with sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule as appropriate. Must not repeat job title. Must not include Job ID etc. Must include only sections with real specific content. Must not include filler like "commensurate with experience". Must preserve all substantive info.
We need to parse the posting.
Key info:
- Full-Time, Location: Remote (US) - core Pacific Time working hours required; approx 20% travel to San Ramon office and to customers.
- Compensation: base salary range $160k-$200k + 15% target performance-based bonus. Eligible for performance-based equity compensation.
- About ARIVE (company description) – could be part of About the role? Probably "About the role" includes overview. But we have "Position Overview" etc.
We need sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule.
We must include only those with real content.
Let's map:
About the role: Could include Position Overview description: "The Director of Product - AI Underwriting owns the correctness of ARIVE AI’s Underwriting Rules and Pre-Underwrite outputs..." etc. Also maybe company description.
Responsibilities: List from "Key Responsibilities" bullet points.
Requirements: Might be overlapping with Qualifications. The posting has "Qualifications" section with must-haves. Also "Underwriting Expertise" details required expertise. Could treat "Requirements" as the bullet list of must-haves? But we have separate Qualifications. Usually Requirements = mandatory qualifications. We'll put the must-have list there.
Qualifications: Could include preferred qualifications like degree, experience, etc. But we already used must-haves. Might combine. However we need to avoid duplication. Let's decide:
- About the role: Position Overview + company description.
- Responsibilities: The bullet list under "Key Responsibilities".
- Requirements: The "Must have:" list (deep experience, 10+ years, etc.) plus maybe Underwriting Expertise details? Actually Underwriting Expertise describes the expertise needed; could be part of Requirements.
- Qualifications: Could include "A Bachelors or Masters degree is a strong plus." and "Mastery of agency guidelines..." etc. But those are also must-haves. Might be better to treat Qualifications as the "Should have" or preferred: e.g., "Wholesale/TPO or correspondent lending background strongly preferred", "Working knowledge of AI/LLM platforms", "Willingness to travel approximately 20%", "Bay Area–local candidates able to work regularly from the office are a strong plus." Also maybe "Non-QM underwriting experience strongly preferred." etc.
- Skills: Could list specific skills: underwriting analysis, AI/LLM prompt review, guideline mastery, etc. But we may not have a distinct skills section; we could omit if no specific content.
- Benefits: List from "What We Offer": comprehensive health, dental, vision; 401(k) with employer match; flexible PTO; work closely with engineering team; etc.
- Pay: Compensation details: base salary range $160k-$200k + 15% target performance-based bonus; eligible for performance-based equity compensation.
- Schedule: Core Pacific Time working hours required; remote; approx 20% travel.
We must not include boilerplate like EEO note.
Now produce HTML with headings and appropriate
headings and appropriate - or
.
We must not include markdown fences.
Let's craft.
About the role:
About the role
then containing position overview and maybe company description.
We need to preserve all substantive info; not invent.
Let's write:
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 bring deep, hands‑on underwriting analysis and working AI fluency — reviewing prompts, shaping evaluation criteria, and reasoning about agent behavior — while our engineering team owns the low‑level LLM development and evaluation infrastructure. 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, working directly with lenders and agencies to review rules — and you will stand behind what the Pre‑Underwrite says.
Maybe also include company description: "ARIVE (arive.com) is the industry’s first integrated LOS, POS, and Pricing Engine with a connected Lender Marketplace, purpose-built for independent mortgage originators..." Could be part of About the role.
Add that as another paragraph.
Responsibilities: Responsibilities
then with each bullet from Key Responsibilities.
List:
- 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. Verify the agents’ autonomous actions with the same rigor - every automated issue resolution must be correct and guideline-compliant.
- Work directly with lender credit and underwriting teams, and with the agencies as applicable, to confirm rule accuracy and correctness — run validation reviews, leverage findings, reconcile interpretation differences, and maintain lender-specific rule sets as the source of truth.
- Be responsible for Pre-Underwrite outputs end to end: audit findings, checklists, conditions, and the agents’ autonomous issue resolutions for accuracy on real files; triage errors and drive root-cause fixes; own the accuracy bar for what “correct” means.
- Direct the rules’ treatment of income, asset, credit, and collateral underwriting across agency and Non-QM programs - the full expertise map below.
- Work daily with platform engineers — who own low-level LLM development and evaluation infrastructure - to review and refine agent prompts, build evaluation datasets from the guides, design human-in-the-loop review and escalation, and validate agent output on messy, real-world files.
- Monitor agency and lender guideline updates and drive timely, verified rule changes so Pre-Underwrite outputs never drift from current policy.
- Shape the AI Underwriting roadmap and partner closely with Product, Engineering, Sales, Onboarding, Support, Compliance, and Executive Leadership to successfully launch new capabilities, integrations, and strategic initiatives.
- Define and report the domain’s quality KPIs — rule accuracy, false findings, condition quality, and lender acceptance of Pre-Underwrite outputs.
We need to keep the bullet points as is.
Requirements: Requirements
then with must-have list:
- 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.
- Mastery of agency guidelines — Fannie Mae Selling Guide, Freddie Mac Seller/Servicer Guide, and FHA Handbook 4000.1 — with VA and USDA experience valued; Non-QM underwriting experience strongly preferred.
- Wholesale/TPO or correspondent lending background strongly preferred, including collaboration with lender underwriters, account executives, setup teams, etc.
- Working knowledge of AI/LLM platforms and tools, and a genuine passion for technology. Should be able to review prompts, reason about agent behavior, and contribute to evaluations — plus familiarity with modern underwriting technology (AUS, income/asset verification tools, AI rules/analysis engines).
- Willingness to travel approximately 20% — to our San Ramon office and to lender and agency partners. Bay Area–local candidates able to work regularly from the office are a strong plus.
But note some of these are preferences; but we can keep as requirements.
Qualifications: maybe include education: "A Bachelors or Masters degree is a strong plus." Also maybe "Underwriting Expertise" details? But we already covered expertise in requirements. Could treat Qualifications as "Preferred qualifications": e.g., "A Bachelors or Masters degree is a strong plus." and maybe "Non-QM underwriting experience strongly preferred." but that's duplicate. Let's think: The posting has "Qualifications" heading with "Must have:" list. Then after that there is "Underwriting Expertise" which describes required expertise. Then after that there is "What We Offer". So we could map:
- Requirements: the "Must have:" list (the bullet points after "Must have:").
- Qualifications: the "Underwriting Expertise" detailed list (income, asset, credit, collateral). But that is also expertise needed; could be considered qualifications.
But we need to avoid duplication. Perhaps better:
- Requirements: the "Must have:" list (deep experience, 10+ years, etc.)
- Qualifications: the "Underwriting Expertise" bullet points (income, asset, credit, collateral) plus education plus maybe "Mastery of agency guidelines..." but that's already in must-have.
Let's examine the text:
"Qualifications Must have: deep, demonstrated experience in detailed underwriting analysis — full-file review spanning the income, asset, credit, and collateral disciplines above — at senior scope.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 — with VA and USDA experience valued; Non-QM underwriting experience strongly preferred.Wholesale/TPO or correspondent lending background strongly preferred, including collaboration with lender underwriters, account executives, setup teams, etc.Working knowledge of AI/LLM platforms and tools, and a genuine passion for technology. Should be able to review prompts, reason about agent behavior, and contribute to evaluations — plus familiarity with modern underwriting technology (AUS, income/asset verification tools, AI rules/analysis engines).Willingness to travel approximately 20% — to our San Ramon office and to lender and agency partners. Bay Area–local candidates able to work regularly from the office are a strong plus."
So the "Qualifications" section includes all that. Then after that there is "Underwriting Expertise" which describes the four disciplines in detail.
Thus we could treat:
- Requirements: maybe the core mandatory items (deep experience, 10+ years, etc.) but the text lumps them together.
- Qualifications: the Underwriting Expertise detail.
But we need to avoid duplication. Let's decide:
We'll create:
- About the role
- Responsibilities
- Requirements: the "Must have:" list (the bullet points after "Must have:" up to before "Underwriting Expertise").
- Qualifications: the Underwriting Expertise bullet points (income, asset, credit, collateral) plus maybe education note? But education is already in Must have list as "A Bachelors or Masters degree is a strong plus." That's a plus, not a must. Could keep in Qualifications.
- Skills: maybe we can omit if no distinct skills.
- Benefits: from "What We Offer": 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.
- Pay: compensation details.
- Schedule: core Pacific Time working hours required; remote; approx 20% travel.
Now ensure we don't include filler like "commensurate with experience". Not present.
Now produce HTML.
We need to wrap each section in and then content.
For lists, use - .
For prose, use
.
Let's craft.
About the role: two paragraphs: company description and position overview.
Company description: "ARIVE (arive.com) is the industry’s first integrated LOS, POS, and Pricing Engine with a connected Lender Marketplace, purpose-built for independent mortgage originators. We are a dynamic high-growth company revolutionizing digital mortgage originations, and our platform seamlessly connects independent loan originators, top-tier wholesale lenders, borrowers, referral partners, credit providers, and property and settlement service providers - creating a faster, more transparent
. We must not include markdown fences. Let's craft. About the role:
About the role
thencontaining position overview and maybe company description. We need to preserve all substantive info; not invent. Let's write:
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 bring deep, hands‑on underwriting analysis and working AI fluency — reviewing prompts, shaping evaluation criteria, and reasoning about agent behavior — while our engineering team owns the low‑level LLM development and evaluation infrastructure. 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, working directly with lenders and agencies to review rules — and you will stand behind what the Pre‑Underwrite says.
Maybe also include company description: "ARIVE (arive.com) is the industry’s first integrated LOS, POS, and Pricing Engine with a connected Lender Marketplace, purpose-built for independent mortgage originators..." Could be part of About the role. Add that as another paragraph. Responsibilities:Responsibilities
then- with each bullet from Key Responsibilities.
List:
- 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. Verify the agents’ autonomous actions with the same rigor - every automated issue resolution must be correct and guideline-compliant.
- Work directly with lender credit and underwriting teams, and with the agencies as applicable, to confirm rule accuracy and correctness — run validation reviews, leverage findings, reconcile interpretation differences, and maintain lender-specific rule sets as the source of truth.
- Be responsible for Pre-Underwrite outputs end to end: audit findings, checklists, conditions, and the agents’ autonomous issue resolutions for accuracy on real files; triage errors and drive root-cause fixes; own the accuracy bar for what “correct” means.
- Direct the rules’ treatment of income, asset, credit, and collateral underwriting across agency and Non-QM programs - the full expertise map below.
- Work daily with platform engineers — who own low-level LLM development and evaluation infrastructure - to review and refine agent prompts, build evaluation datasets from the guides, design human-in-the-loop review and escalation, and validate agent output on messy, real-world files.
- Monitor agency and lender guideline updates and drive timely, verified rule changes so Pre-Underwrite outputs never drift from current policy.
- Shape the AI Underwriting roadmap and partner closely with Product, Engineering, Sales, Onboarding, Support, Compliance, and Executive Leadership to successfully launch new capabilities, integrations, and strategic initiatives.
- Define and report the domain’s quality KPIs — rule accuracy, false findings, condition quality, and lender acceptance of Pre-Underwrite outputs.
We need to keep the bullet points as is.
Requirements:
- .
For prose, use
. Let's craft. About the role: two paragraphs: company description and position overview. Company description: "ARIVE (arive.com) is the industry’s first integrated LOS, POS, and Pricing Engine with a connected Lender Marketplace, purpose-built for independent mortgage originators. We are a dynamic high-growth company revolutionizing digital mortgage originations, and our platform seamlessly connects independent loan originators, top-tier wholesale lenders, borrowers, referral partners, credit providers, and property and settlement service providers - creating a faster, more transparent
Requirements
then- with must-have list:
- 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.
- Mastery of agency guidelines — Fannie Mae Selling Guide, Freddie Mac Seller/Servicer Guide, and FHA Handbook 4000.1 — with VA and USDA experience valued; Non-QM underwriting experience strongly preferred.
- Wholesale/TPO or correspondent lending background strongly preferred, including collaboration with lender underwriters, account executives, setup teams, etc.
- Working knowledge of AI/LLM platforms and tools, and a genuine passion for technology. Should be able to review prompts, reason about agent behavior, and contribute to evaluations — plus familiarity with modern underwriting technology (AUS, income/asset verification tools, AI rules/analysis engines).
- Willingness to travel approximately 20% — to our San Ramon office and to lender and agency partners. Bay Area–local candidates able to work regularly from the office are a strong plus.
But note some of these are preferences; but we can keep as requirements.
Qualifications: maybe include education: "A Bachelors or Masters degree is a strong plus." Also maybe "Underwriting Expertise" details? But we already covered expertise in requirements. Could treat Qualifications as "Preferred qualifications": e.g., "A Bachelors or Masters degree is a strong plus." and maybe "Non-QM underwriting experience strongly preferred." but that's duplicate. Let's think: The posting has "Qualifications" heading with "Must have:" list. Then after that there is "Underwriting Expertise" which describes required expertise. Then after that there is "What We Offer". So we could map:
- Requirements: the "Must have:" list (the bullet points after "Must have:").
- Qualifications: the "Underwriting Expertise" detailed list (income, asset, credit, collateral). But that is also expertise needed; could be considered qualifications.
But we need to avoid duplication. Perhaps better:
- Requirements: the "Must have:" list (deep experience, 10+ years, etc.)
- Qualifications: the "Underwriting Expertise" bullet points (income, asset, credit, collateral) plus education plus maybe "Mastery of agency guidelines..." but that's already in must-have.
Let's examine the text:
"Qualifications Must have: deep, demonstrated experience in detailed underwriting analysis — full-file review spanning the income, asset, credit, and collateral disciplines above — at senior scope.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 — with VA and USDA experience valued; Non-QM underwriting experience strongly preferred.Wholesale/TPO or correspondent lending background strongly preferred, including collaboration with lender underwriters, account executives, setup teams, etc.Working knowledge of AI/LLM platforms and tools, and a genuine passion for technology. Should be able to review prompts, reason about agent behavior, and contribute to evaluations — plus familiarity with modern underwriting technology (AUS, income/asset verification tools, AI rules/analysis engines).Willingness to travel approximately 20% — to our San Ramon office and to lender and agency partners. Bay Area–local candidates able to work regularly from the office are a strong plus."
So the "Qualifications" section includes all that. Then after that there is "Underwriting Expertise" which describes the four disciplines in detail.
Thus we could treat:
- Requirements: maybe the core mandatory items (deep experience, 10+ years, etc.) but the text lumps them together.
- Qualifications: the Underwriting Expertise detail.
But we need to avoid duplication. Let's decide:
We'll create:
- About the role
- Responsibilities
- Requirements: the "Must have:" list (the bullet points after "Must have:" up to before "Underwriting Expertise").
- Qualifications: the Underwriting Expertise bullet points (income, asset, credit, collateral) plus maybe education note? But education is already in Must have list as "A Bachelors or Masters degree is a strong plus." That's a plus, not a must. Could keep in Qualifications.
- Skills: maybe we can omit if no distinct skills.
- Benefits: from "What We Offer": 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.
- Pay: compensation details.
- Schedule: core Pacific Time working hours required; remote; approx 20% travel.
Now ensure we don't include filler like "commensurate with experience". Not present.
Now produce HTML.
We need to wrap each section in