Hybrid Principal Product Manager – Borrower Qualification

at Cotality

• Job title: Principal Product Manager – Borrower Qualification
• Job type: Full Time
• Experience level: Lead
• Salary: $129,600 - $155,000 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Irvine, United States

About the role

• Principal Product Manager leading growth and innovation for Cotality’s borrower qualification platform. Transforming traditional underwriting with AI, intelligent automation, and agentic workflows.

Responsibilities

• 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!