Director of Product – AI Underwriting Full-Time Location : Remote (US) - core Pacific Time working hours required; approximately 20% travel to our San Ramon office and to customers.

Compensation

: The base salary range for this full-time position is $160,000 – $200,000 + 15% target performance-based bonus.

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, and more affordable path to homeownership. About ARIVE AI ARIVE AI brings agents into the core of the platform - built in, not bolted on.

Its underwriting agent runs guideline-grounded rules across live loan files to produce Pre-Underwrite outputs: findings, checklists, and conditions that surface eligibility issues and documentation gaps. The agents also try to autonomously address any issues before a file ever reaches the lender underwriting. The result is cleaner files into every lender’s process - and it only works if the rules behind it are right.

Position Overview 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. This is a remote position with core Pacific Time working hours, working closely with the ARIVE platform engineering team and reporting to executive leadership and to the Head of Product once that role is hired.

You will start as a hands-on individual contributor, with the potential to grow a team as the domain scales.

Key Responsibilities

Rules Review & Verification : 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.

Lender & Agency Validation: 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. Pre-Underwrite Output Ownership: 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. Underwriting Depth: Direct the rules’ treatment of income, asset, credit, and collateral underwriting across agency and Non-QM programs - the full expertise map below.

AI Development Partnership: 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.