Ralo

The role Most loan officers are about to spend the next decade competing with AI. You'd be running it. At Ralo, the AI does the origination: intake, document collection, structuring, rate scenarios, disclosures, all of it. What it can't do is be a licensed human who knows when something's off. That's the job. You supervise the work, make the calls the model can't, and you're the loan officer named on every file. When the AI gets it right, you close loans faster than any traditional shop. When it doesn't, you're the reason the borrower never knows there was a problem. The part that's genuinely rare: you don't just work the system, you teach it. Every exception you untangle and every mistake you catch goes back into how Ralo originates the next thousand loans. Your experience stops being something that closes one deal at a time and starts setting the standard for all of them. There are only a handful of people in the country who get to do that right now, and we're hiring one of them. If you've originated for years and you can see where this is going, and you'd rather drive it than get optimized around, come build it with us. If what you want is to work a personal pipeline on commission and never touch the process behind it, this isn't the right seat. What you'll own Be the loan officer of record. Serve as the named, licensed MLO on the Loan Estimate and Closing Disclosure, and the compliant human point of contact the borrower can reach. You stand behind every file with your name and NMLS ID on it. Supervise the AI across the loan lifecycle. Review the AI's work — structuring, rate quotes, conditions, disclosures — and sign off that it's right before it reaches a borrower. You're the last set of eyes between the model and the customer. Own the exceptions. Handle the cases the AI escalates: the borrower who doesn't fit the happy path, the document that doesn't reconcile, the scenario that needs human judgment and experience to resolve. This is where five years of doing the job actually pays off. Make the AI better. Flag the errors, the false approvals, the conditions it misses, and turn them into feedback the model actually learns from. You'll help write the playbooks and build out the edge-case library it runs on. Fix something once and you've fixed it for every loan after. Quote rates and guidelines with accuracy and fairness. Make sure what the system tells borrowers is right, compliant, and defensible. Own compliance at the point of contact. Ensure each file meets TRID, RESPA, and ECOA requirements and investor guidelines, and keep an eye on fair-lending and explainability as the AI does more of the work. When something looks off, you're the one who catches it. What the role is (and isn't) In scope: human-in-the-loop oversight of Ralo's AI across the loan lifecycle, being the licensed loan officer of record and compliant point of contact, reviewing and validating AI outputs, handling escalations and exceptions, and feeding corrections back to improve the system. Shared: the AI does the heavy lifting — intake, documents, structuring, rate scenarios, disclosures — and you supervise it; product and engineering build the AI, and you tell them where it's wrong and how to fix it. Not your job: prospecting or generating your own leads (the business brings the borrowers), building the models yourself (that's engineering), and owning the marketing funnel, brand, or PR. What you'll need 3+ years originating residential mortgages, with the depth to make judgment calls the AI can't. An active NMLS Mortgage Loan Originator license in good standing, and the willingness and ability to add state licenses as we grow. Real product fluency across conventional (Fannie Mae / Freddie Mac, including DU and LP/LPA), FHA, VA, USDA, and jumbo, plus the guideline knowledge to spot when something doesn't fit. Comfort working inside a tech stack — LOS, CRM, POS — and the instinct to learn new tools fast. The judgment to read the AI's work critically and

The role You'll be our first paid acquisition hire, and you'll own the channels where we pay to reach borrowers (end to end). This is not a seat where you tune bids and hand everything else to a team. There is no team yet. You'll build the engine: the channels, the tracking, the creative tests, the landing pages, and the honest read on what every dollar returns. Design and engineering are here to support you on polished creative and landing pages, and you'll be trusted with a real budget to make the right calls yourself. If you came up at an early-stage startup and like owning a number without a support cast around you, you'll feel at home. If you're used to a creative team, a web team, and an analytics team handling everything but the platform UI, this will be a hard role.  What you’ll own Channel strategy and execution across paid search, paid social: what we run, who we target, how budget splits, and what gets scaled or killed. The full funnel, not the click. You own the paid acquisition funnel through to funded-loan loan economics: click-through, lead, qualified lead, and the conversion rate at every step in between. Measurement and attribution. Stand up and own our conversion tracking, event tracking, and UTM discipline across creative, landing pages, CRM, site, and funded loans. Operational dashboards. Build and maintain the day-to-day reporting — CAC, ROAS, CPL, conversion, spend pacing — that the team and founders run on. Creative and landing pages at velocity. Use LLMs and generative tools to produce, test, and refine ad creative and scrappy landing pages yourself, fast, before handing the winners to design and eng to polish. Conversion. Own the post-click experience for the traffic you're paying for: what each page says, the variants to test, and the CRO work to lift conversion. Budget and forecasting. You'll manage real spend, pace it, and forecast how many borrowers a given budget should produce and explain it when the numbers move. What the role is (and isn’t) In scope: paid channels, the tracking beneath them, operational dashboards, test creative, paid landing pages, and the conversion math through to a funded loan. Shared: creatives (you direct and produce a scrappy first cut; our designer polishes); landing pages (your strategy and CRO; engineering builds). Not your job: following up with leads, the sales conversation, owning brand voice, PR, and the mortgage process itself. What you'll need 3-7 years in performance, growth, or paid acquisition marketing, with a track record of scaling spend profitably Hands-on fluency across the major ad platforms (especially Meta), plus the analytics and experiment design to know what's actually working. The technical comfort to own your own measurement: setting up and validating conversion tracking, working with the platforms' conversion APIs, querying data yourself, and stitching it across funnels. Strong copywriting instincts and taste in performance creative — and the ability to scale that taste with AI. Real accountability to a number, CAC, ROAS, payback,  and the rigor to defend it. An early-stage operator’s instinct: you ship, move fast, take ownership, and find a way through ambiguity. You solve problems yourself when you can, and when you can’t, you find the person, tool, or workaround that gets it done. This is an in-person role at our New York City office (Flatiron).  Nice to have Background in fintech, mortgage, real estate, or another high-consideration, regulated category. Experience as the first or earliest marketing hire somewhere. Genuinely bought into Ralo's mission to make mortgages affordable. What we offer A competitive compensation package ($100k - $150k base) with meaningful early-employee equity A top-tier team to build with, including people from Y Combinator, Google, and Goldman Sachs A low-bureaucracy environment: minimal meetings, maximum ownership. A high bar focused on execution, learning, and continuous improvement.