Head of Product Development
Basic Capital
Head of Product Development
Basic Capital
Leverage-based retirement investment platform
About Basic Capital
Basic Capital is a fintech company disrupting America’s $1T retirement industry by building the mortgage for retirement, unlocking market ownership, and making wealth accessible to every American. Our mission is to create products, platforms, and a credit marketplace that power a fundamentally new retirement system.
Our founding team includes leaders from Goldman Sachs, Uber, Block, and Robinhood, and we’re backed by top investors such as Lux, BoxGroup, SVAngel, Inspired Capital, and Henry Kravis. Based in SoHo, NYC, we’re assembling a lean, high-performance team committed to reducing wealth inequality.
Basic Capital is building a new wealth system for everyday Americans, and we are doing it by unlocking access to capital markets in a way the world has not seen before.
To do that, we need to rethink the entire retirement investing stack. Not just the UI. Not just the fees. The actual financial products themselves. The strategies, the wrappers, the incentives, the constraints, and the outcomes.
This is a role for someone who wants to redesign retirement investing from first principles and ship products that feel inevitable in hindsight.
As Head of Product Development, your primary responsibility is to fundamentally rethink, rebuild, and innovate across all aspects of retirement investing.
Your work will span both accumulation and de-accumulation, including launching new lifetime income products (annuities and retirement income solutions) and improving and expanding our suite of accumulation offerings across both registered and unregistered (exempted) products.
This is not a role for someone who wants to tweak existing investment products.
This is a role for someone who wants to create new ones, with creativity, rigor, and real-world consequences.
We need people to boldly design, scope, and deliver new branded products and strategies across the retirement investing landscape. Apply creativity and rigor to the design, structure, and launch of innovative investing products.
Define the product vision for how Basic Capital builds wealth over time
Design new investment products and strategies that align with our mission and customer needs
Translate market structure, regulation, and customer behavior into products that work in the real world
Lead the development of retirement income products, including annuities and lifetime income solutions
Build products that help people convert savings into durable, flexible retirement outcomes
Partner cross-functionally to bring these products from concept to launch
Improve and scale our suite of accumulation products across registered and unregistered (exempted) offerings
Develop new strategies, packaging, and product structures that unlock better outcomes for customers
Iterate on product design to improve performance, simplicity, and adoption
Create products that are not only financially sound but also clearly positioned and branded
Design structures that can scale through distribution and capital markets
Build a product roadmap that compounds into a durable advantage for Basic Capital
You are equal parts investor, product architect, and operator.
You have strong opinions about how retirement investing should work, and you have the technical depth to build the products that make it real.
You have:
Deep knowledge of investment products and market structure
A builder mindset and an obsession with creating products that actually ship
High standards for rigor, clarity, and customer outcomes
Comfort operating in ambiguity with high ownership and high accountability
You want a role where you can invent products that change how people retire.
Requirements
Experience designing, structuring, and launching investment products
Strong understanding of retirement investing across accumulation and/or de-accumulation
Ability to operate across product, investing, legal/compliance, operations, and distribution
Strong strategic thinking paired with execution velocity
Comfort working in a fast-moving environment with high agency
Bonus Points
Experience with annuities, lifetime income products, or retirement income strategy
Familiarity with registered and unregistered (exempted) product structures
Background in asset management, fintech investing products, or structured product development
You have launched products that required cross-functional coordination and regulatory rigor
You enjoy building new markets, not just participating in existing ones
Leverage-based retirement investment platform
Basic Capital provides retirement financing for 401(k) and IRA plans by pairing user contributions with supplemental capital to create a levered investment base that is invested in diversified ETFs and bonds. For every $1 a user contributes, the company adds $4, resulting in a 5x base; it handles IRA and LLC setup, financing, and portfolio management without credit checks and includes protections to reduce margin-risk exposure. The platform serves both employers (via a 401(k) platform for recruitment and retention) and individual savers (via IRA plans), differentiating itself with structured leverage and integrated administration. Its goal is to democratize access to wealth-building tools and expand retirement savings through leveraged investing while mitigating common margin risks.
Explore more opportunities at Basic Capital