About Us

We are reinventing consumer credit. We are wildly reducing the cost of capital by using technology to easily enable people to access their assets to reduce their borrowing cost. Our first product is the world's cheapest credit card – backed by the largest asset class for US consumers - home equity. Using many patented technologies, we sped up a process that usually takes 4-6 weeks and thousands of dollars down to as fast as 15 minutes and $0 to get. We haven’t stopped there - we continue to invent new products that are focused on helping more consumers save more money everyday - from Aven Auto (credit cards backed by your car equity), to Aven Advisor (the best financial advice for every US consumer). We are now embarking on Aven Mortgage Refi (to present our borrowers a lower cost option to replace their first lien).   If you enjoy being around missionary, ambitious, hard-working, and wicked-smart people - Aven could be a good fit for you. 

Who are we?

We are a well-capitalized (over $250MM in equity funding) team of technology ( Microsoft, Facebook, Google, Square) and finance (CapitalOne, and Morgan Stanley) executives with top-tier investors -- Founders Fund, Khosla Ventures, Max Levchin, NYCA, Sequoia, etc.

Our team includes people who have built:

• Financial products (Square/CashApp, the earliest CapitalOne credit cards)

• Consumer products (Facebook, Instagram, Internet.org, Xbox)

• Technology infrastructure ( Windows & Azure, helped design the C++ & C# languages)

We are missionaries that like to work hard on important problems - and build products that become an infrastructure for society. We believe that using technology to lower the cost of capital for consumers is one of these problems - and if we can do it, it could have an enormous  impact on people’s lives. 

Job Brief

We are seeking a seasoned,  analytically rigorous individual to be our first mortgage originations operations team member within Aven. This role will own the mortgage originations flow end-to-end for our customers. This would involve  designing and executing the workflows of mortgage origination using two distinct roles - an Underwriter and another Fulfillment Expeditor (Both roles in the Phillipines) at launch.   Post-launch, the role will involve improving the quality and efficiency of fulfillment such that 8 day defect-free mortgage refis become a reality.   The ideal candidate will possess a strong hands-on background in the mortgage industry with exposure to  mortgage LOS systems configurations, end to end operations workflow design/definitions, writing procedures, driving remarkable improvements in operational metrics each year in the Industry. 

Who we are looking for: 

• End to End Systems Thinker. 

• Considered as a go-to-expert +  the first person to be signed up to solve new mortgage origination operations problems for their company

• Prolific at switching contexts and operating across the entire stack of work - from loan-level troubleshooting to whipping out process changes / system configuration tweaks  to effecting change through the origination teams 

• Understands the Software and Workflow design underneath mortgage origination systems at a deep level 

• Thrive in engaging with Engineers, Data Science, and Sales colleagues. 

• Relish driving step change improvements to Operational Performance Metrics

Requirements:

• 5+  years of experience in Consumer Mortgage either as an Product Manager,  Technical PM, Process Engineer, Originations Lead, Operations Lead, Lead Systems Consultant

• Prior experience  in setting up end-to-end mortgage production workflows or configuring LOS implementations or reengineering mortgage production workflows 

• Prior experience on the mortgage production chain as an underwriter or closer/funder or compliance

• Preferred - College degree in Engineering, Mathematics, Data Science or other Quantitative discipline