Product Owner
Kapitus
full-time
Posted on:
Location Type: Remote
Location: Remote • 🇺🇸 United States
Visit company websiteSalary
💰 $96,300 - $154,400 per year
Job Level
Mid-LevelSenior
About the role
- 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.
Requirements
- 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.
Benefits
- 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.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
data-driven productsservice designautomation frameworksuser story writingrisk modelsAPI integrationsdecisioning toolscredit data analysiscashflow data analysisacceptance criteria authoring
Soft skills
analytical instinctscollaboration skillscommunication skillsproblem-solvingcontinuous improvementbalancing prioritiestranslating technical conceptsadaptabilitystakeholder alignmentvoice of the business