About the Role.

We are building the industrys first truly integrated, AI-powered lending and deposit platform spanning commercial lending, CRE, construction, small business, consumer lending, and deposit account opening.

The Director of Product Lending & Deposits will own the product strategy, roadmap, design, and delivery of all origination, servicing, and deposit lifecycle capabilities across unified financial services platform.

You will drive a seamless borrower and banker experience from acquisition and onboarding underwriting closing servicing portfolio monitoring payoffs/renewals, while also expanding into deposit accounts, payments, cash management, and agentic AI automation.

This is a highly impactful leadership role requiring deep banking domain expertise, strong product vision, and the ability to execute quickly in a high-growth environment.

Key Responsibilities:

Product Strategy & Vision:

- Define and own the unified product strategy for the end-to-end lifecycle of lending and deposit products.

- Drive a scalable core architecture supporting multiple financial products (commercial, consumer, CRE, construction, SBA, syndicated credit, ABL/BBC, etc.

- Lead expansion into deposit account opening (retail + business), onboarding/KYC, payments and transaction servicing.

Execution & Delivery:

- Lead multiple product teams (LOS, Servicing, Deposits, Collateral, Post-Origination Monitoring).

- Deliver high-quality releases ensuring borrower servicing data flow is consistent, automated, and auditable.

- Partner with Engineering to push velocity, reliability, and API-first integration with core banking systems.

AI-Driven Capabilities:

- Champion AI workflows across origination and servicing including:

- Automated underwriting.

- Document ingestion + extraction + validation.

- Borrowing base eligibility automation.

- Construction budget + draw automation.

- Covenant and credit performance monitoring.

- Intelligent borrower communications via Chat Assist.

Customer & Market Leadership:

- Engage with banks, credit unions, and fintech partners to validate requirements, prioritize roadmap based on business impact and regulatory needs.

- Own competitive positioning against market leaders (nCino, Jack Henry, Finastra, Abrigo, etc.

Financial / Compliance Insights:

- Ensure product compliance with banking regulations (FDIC, OCC, NCUA, CFPB, SBA).

- Build robust credit risk features including:

- Risk rating models.

- Migration & trending analytics.

- Portfolio stress testing.

- Concentration & exposure controls.

Team Leadership:

- Build, mentor, and scale a world-class product organization.

- Drive a culture of AI-first, customer delight, and rapid iteration.

Qualifications:

Required:

- 10+ years in Product Management with strong background in lending systems (LOS + Servicing).

- Experience launching commercial loan types (CRE, C&I, SBA, Construction, ABL).

- Strong understanding of deposits, onboarding/KYC, payments, GL integration, and servicing workflows.

- Experience with regulatory and compliance requirements in banking.

- Excellent written and verbal communication with executive presence.

Preferred:

- Understanding of core banking platforms (FIS, Jack Henry, Fiserv, Temenos).

- Experience with AI/ML-driven credit decisioning or automation.

- Startup/SaaS high-growth environment experience.

- Familiarity with agent-based architectures, real-time data exchange, and workflow engines.

Success in this Role Looks Like:

- A fully integrated LOS + Servicing + Deposits platform adopted across top-tier regional/community banks.

- AI embedded into 80%+ of lending workflows major increase in operational efficiency.

- Faster time-to-decision + time-to-funding for borrowers.

- Automated GL posting across all products with zero manual reconciliation.

- Fully scalable product lines supporting new asset types with minimal incremental engineering.

Why Join Us:

- You will be a key leader shaping the future of how financial institutions originate, underwrite, service, and grow loans and deposits using powerful automation, intelligence, and modern architecture.

- Were building the most comprehensive digital banking platform in the market and we want you to help lead that transformation.

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