Principal Product Manager – Borrower Qualification

At Cotality, we are driven by a single mission—to make the property industry faster, smarter, and more people-centric. Cotality is the trusted source for property intelligence, with unmatched precision, depth, breadth, and insights across the entire ecosystem. Our talented team of 5,000 employees globally uses our network, scale, connectivity and technology to drive the largest asset class in the world. Join us as we work toward our vision of fueling a thriving global property ecosystem and a more resilient society.

Cotality is committed to cultivating a diverse and inclusive work culture that inspires innovation and bold thinking; it's a place where you can collaborate, feel valued, develop skills and directly impact the real estate economy. We know our people are our greatest asset. At Cotality, you can be yourself, lift people up and make an impact. By putting clients first and continuously innovating, we're working together to set the pace for unlocking new possibilities that better serve the property industry.

Job Description:

We are seeking a strategic and execution-focused Principal Product Manager to lead the continued growth and innovation of the AutomatIQ Borrower® platform, Cotality’s flagship solution for borrower verification and qualification in mortgage origination. This role is central to transforming traditional underwriting by leveraging AI, intelligent automation, and agentic workflows to deliver faster, more accurate, and transparent borrower decisioning.

About AutomatIQ Borrower®:

AutomatIQ Borrower is a unified platform that streamlines borrower verification and qualification by combining Verifications (VOE/I, VOA, Tax Transcripts, SSA, etc.) and Analysis (Income, Assets, Liabilities) into a single, automated experience. It delivers unmatched accuracy and transparency across borrower profiles from straightforward W-2 earners to complex self-employed applicants supporting both digital and physical document workflows.

The platform is evolving to incorporate Agentic AI capabilities, enabling intelligent agents to:

• Orchestrate verification workflows across multiple data sources.

• Interpret and reconcile structured and unstructured documents.

• Generate audit-ready qualification summaries.

• Adapt dynamically to borrower complexity and lender policy overlays.

Key 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.

Key Performance Indicators (KPIs):

• Adoption & Engagement:

  • Growth in adoption and usage of AutomatIQ Borrower modules across lender clients.

  • Increase in monthly and daily active users (MAUs/DAUs).

• Automation & Efficiency:

  • % increase in straight-through processing (STP) rates.

  • Reduction in manual touchpoints and average time to verified borrower qualification.

• Accuracy & Quality:

  • Improvement in document classification and data extraction accuracy (OCR/NLP).

  • Reduction in underwriting exceptions and repurchase risks.

• Client Satisfaction:

  • Net Promoter Score (NPS) and Client Satisfaction Score (CSAT).

  • Client retention and renewal rates.

• Platform Performance:

  • Number of successful LOS/POS and GSE integrations.

  • API uptime and SLA adherence.

• Innovation & Delivery:

  • % of roadmap features delivered on time.

  • Number of new features launched that directly support underwriting automation and AI-driven workflows.

Job Qualifications:

• 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.

Preferred Qualifications:

• Started career as a Loan Underwriter or worked in a mortgage company building decisioning workflows—not just implementing off-the-shelf LOS/POS tools.

• Experience with borrower analytics, OCR/NLP for document classification, and intelligent automation technologies.

• Pragmatic Marketing certification or equivalent product training is a plus.

Must-Haves:

• Mortgage origination domain expertise.

• Proven product management experience (not business analyst or project manager roles).

• Experience building or enhancing underwriting automation platforms.

#LI-Remote

Annual Pay Range:

Application Window:

This opportunity is expected to remain posted through the date identified below, subject to business needs.

Thrive with Cotality

At Cotality, we offer more than just a job, we provide a benefits experience designed to support your whole self. From a flexible working model to competitive time off and standout health coverage with meaningful perks and growth opportunities, our package is built to help you thrive at work and in life.

Highlights include:

• Time off: Generous PTO and 11 paid holidays, plus well-being and volunteer time off.

• Family Support: Up to 16 weeks of fully paid parental leave and a baby stipend.

• Health: Multiple medical plan options with mental health and wellness support offerings.

• Retirement: 401(k) with company match and vesting after one year.

• Financial Perks: $400 annual well-being stipend and tuition assistance up to $5,250.

• Extras: Recognition Rewards, Referral bonuses, exclusive discounts and more!

• Click here to see a comprehensive list of our benefit offerings.

Please note, Qualifications, locations and experience of the individual ultimately selected for the position may impact the final actual offered compensation, which may vary from the posted range

Cotality is an Equal Opportunity employer committed to attracting and retaining the best-qualified people available, without regard to race, color, religion, national origin, gender, sexual orientation, gender identity, age, disability or status as a veteran of the Armed Forces, or any other basis protected by federal, state or local law. Cotality maintains a Drug-Free Workplace. ​​​

Cotality is fully committed to a work environment that embraces everyone’s unique contributions, experiences and values. We offer an empowered work environment that encourages creativity, initiative and professional growth and provides a competitive salary and benefits package. ​ We are better together when we support and recognize our differences.  ​

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