Cotality

Principal Product Manager – Borrower Qualification

Cotality

full-time

Posted on:

Location Type: Hybrid

Location: Irvine • California • Texas • United States

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Salary

💰 $129,600 - $155,000 per year

Job Level

Lead

About the role

  • Define and drive the product strategy and roadmap for borrower verification and qualification services within AutomatIQ Borrower.
  • Lead the integration of AI/ML models, intelligent agents, and decisioning engines to automate underwriting tasks and reduce manual effort.
  • Translate complex underwriting workflows into intuitive, automated product experiences that improve loan quality and reduce cycle times.
  • Serve as the internal SME on borrower qualification workflows, including Credit, Capacity, Collateral, and Capital (the 4Cs).
  • Partner with engineering and architecture teams to design scalable APIs and services that power real-time verification and decisioning.
  • Lead agile ceremonies and ensure delivery of high-quality features through clear acceptance criteria and testable requirements.

Requirements

  • Bachelor’s degree in Business, Finance, Computer Science, or related field.
  • 10+ years in financial services or mortgage technology, with 5+ years focused on borrower verification and qualification.
  • Deep understanding of mortgage origination workflows, especially borrower-facing processes and underwriting decision engines.
  • Proven experience working with LOS/POS platforms (e.g., Encompass, Empower, Mortgage Cadence) and GSE AUS systems (DU, LPA, AIM, D1C).
  • Strong background in API design, data integration, and automation of underwriting logic.
  • Experience with AI/ML technologies, intelligent document processing (IDP), and agent-based automation frameworks is highly desirable.
  • Hands-on experience with agile product development, including backlog grooming, sprint planning, and cross-functional collaboration.
  • Proficiency in tools like Figma, Visio, or Lucidchart for workflow modeling and prototyping.
  • Exceptional communication and stakeholder management skills, with the ability to influence across technical and business teams.
Benefits
  • Generous PTO and 11 paid holidays, plus well-being and volunteer time off.
  • Up to 16 weeks of fully paid parental leave and a baby stipend.
  • Multiple medical plan options with mental health and wellness support offerings.
  • 401(k) with company match and vesting after one year.
  • $400 annual well-being stipend and tuition assistance up to $5,250.
  • Recognition Rewards, Referral bonuses, exclusive discounts and more!

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills
AI/MLunderwriting workflowsAPI designdata integrationautomationintelligent document processingagent-based automationagile product developmentbacklog groomingsprint planning
Soft skills
communicationstakeholder managementinfluencecross-functional collaboration