Here at Hometap, we’re collaborative, passionate, and always ready to roll up our sleeves to create solutions that help people get more out of homeownership — and out of life. Our first product, a home equity investment, gives homeowners the opportunity to quickly access the equity they’ve built in their home to pay for what’s most important to them, from handling debt to finally making much-needed renovations, without taking on debt.

We work hard, and have some fun along the way, too. You don’t have to take our word for it: The Boston Globe and Forbes have recognized us as a great place to work, and we’ve been honored for our commitment to innovation in the fintech space by Inc., HousingWire, and more!

In case you need any more convincing, we also provide competitive compensation, healthcare coverage, generous PTO, a meaningful equity package, and a strong culture with plenty of opportunities for team-building and camaraderie.

Interested in joining us on our mission to make homeownership less stressful and more accessible? We’d love to talk.

Who you are:

We're looking for an innovative, analytical, and motivated self-starter to join our Financial Product Strategy team. In this role, you'll be responsible for modeling, structuring, and developing new financial products—think pricing, terms, risk/return profiles, and investor positioning—not software features. You'll also work on improvements to existing financial products that deliver substantial value for Hometap, homeowners, and capital partners.

This is a highly technical role where you'll become a subject matter expert on how Hometap's investment products are constructed, priced, and brought to market within the competitive and capital markets landscape. An ideal candidate would bring a mix of banking/investment expertise along with in-house experience developing and analyzing financial products. You'll need to be an expert at building financial models, balancing with the technical work with an always-on strategic lens.

As a key member of an impactful team responsible for executing Hometap's financial product roadmap, you'll work closely with cross-functional stakeholders to ensure alignment and prioritization within the broader company strategy. This position reports to the Director of Financial Products and offers strong visibility and direct exposure to executive decision-makers.

What you'll do:

Conduct analysis of financial products, including but not limited to asset modeling, portfolio performance modeling, business case modeling, and scenario analysis
Develop subject matter expertise on Hometap's financial products, including how they work and fit into the competitive landscape
Research and develop potential new products and product changes, from hypothesis testing to supporting initial launch plans
Contribute to pricing, structuring and feature decisions that optimize and evolve financial products
Develop and maintain processes to continuously track, document, and synthesize information on relevant market trends
Vet and prioritize opportunities for inclusion in the financial product roadmap, working closely with Finance, Data Science, Marketing, and Capital to create a compelling, data-driven rationale for each one
Support creation of investor GTM narrative, including rationale supporting the product’s pricing, structure, assumptions, and methodologies
Develop expertise on methodologies and solutions that influence the success of our financial products (e.g., valuation, property type policy)
Be accountable for product competitiveness for target homeowners and investors
Lead by example and embody Hometap’s values

What you bring:

3+ years of relevant experience in financial product development (or similar) in an operating company, investment banking, consulting, or private equity
Outstanding modeling, analytical and critical thinking skills, including the ability to identify and synthesize key points in any analysis
Solutions-oriented approach to complex problems with a strong bias for action
Empathy and curiosity for homeowner and investor perspectives
A quick learner with a track record of delivering business results through analysis – resourceful, self-sufficient, and energized by fast-paced, growth-stage environments
Positive relationship building capabilities and ability to work cross-functionally
Clear and effective communicator with very strong presentation skills
Prioritization skills that balance both short-term and long-term objectives
Business acumen that balances pragmatics, analytics and impact
Prior experience in capital markets (alternative asset investing or fintech) and residential real estate financing is a plus

Our team is what makes us great. The salary range for this role is $120,000 - $140,000, depending on your experience, skills, location, and other factors. You’ll also receive meaningful equity, so you can share in our growth and success. We offer generous medical, dental, and vision coverage, a work-from-home stipend, parental leave, and plenty of paid time off to recharge.

Hometap is on a mission to make homeownership less stressful and more accessible. Our home equity investment product provides homeowners with a fast, simple, and straightforward way to access the equity in their home without taking out a loan or having to sell. By investing alongside homeowners, Hometap offers debt-free cash in exchange for a share of their home’s future value — all without any monthly payments over the life of the investment. Through a combination of financial innovation and best-in-class customer service, Hometap enables people to get more from homeownership so they can get more from life. Hometap believes that our differences are what bring us together, and one of our biggest priorities is creating a diverse workplace that welcomes and values each team member’s unique perspective, background, and ideas. All roles here are filled based solely on candidates’ qualifications and our business needs.

Hometap is an equal opportunity employer. We provide employment opportunities regardless of race, age, color, religion, sex, sexual orientation, gender, gender identity, gender expression, genetic information, national origin, pregnancy, marital, veteran, or disability status. If there is an accommodation that would support your ability to apply and interview with Hometap, please let us know by emailing work@hometap.com.