VP, Product Management - Core Lending

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The Vice President, Product Management- Core Lending is the general manager of Kapitus ' core lending products including term loan and line of credit with responsibility to own and manage the P&L, the product strategy, go-to-market plans, and the associated outcomes. You will work in close partnership with the Product Delivery organization, which builds and operates the technical platform underlying these products and with Risk, Finance, Sales, Operations, and Executive Leadership to define and execute a strategy to make Kapitus ' core lending products the most competitive in the small business lending market.
What You Will Do:
Ownership of Revenue & Cost Drivers:

- Own and manage the revenue and cost drivers for core lending products, tracking key performance metrics regularly to understand what moves them, and make product decisions that improve them while managing the unit economics of each product to make trade-offs accordingly. Present business performance to executive leadership monthly and drive to prioritization decisions.

- Identify and quantify the gap between current performance and competitive benchmarks and build the case for investments that close those gaps.

- Partner with Finance to build and maintain a product-level P&L model that connects roadmap decisions to financial outcomes.

Go to Market Strategy & Execution:

- Define the go-to-market strategy across segments and channels and own the positioning narrative, ensuring it is reflected consistently across the application flow, marketing materials, and partner communications.

- Own the product pricing strategy in partnership with Risk and Finance, making recommendations on rate structures, fee design, and promotional offers grounded in competitive analysis and borrower behavior data.

- Lead the launch planning for new product features, underwriting enhancements, and market expansions by defining the launch objectives, coordinate across Sales, Marketing, Operations, and Compliance, and measure outcomes against pre-defined success metrics.

- Develop and maintain a competitive intelligence cadence: quarterly analysis of competitor pricing, product features, underwriting criteria, and GTM approaches from key competitors and other relevant players. Translate competitive findings into specific product recommendations.

Product Strategy & Roadmap:

- Define a rolling 12–18 month product vision for Line of Credit and Term Loan grounded in market opportunity, borrower need, competitive positioning, and Kapitus ' strategic objectives. Present this vision to executive leadership at least quarterly and update it in response to market signals.

- Translate the product vision into a prioritized roadmap of initiatives in partnership with Product Delivery and work closely with Delivery leadership to ensure requirements accurately reflect business outcomes desired.

- Identify opportunities to use AI and machine learning to improve product outcomes, such as faster decisioning, better underwriting accuracy, personalized offer design, and automated borrower communication.

- Ensure the