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.

About the Role

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.

Build the future of financial services

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.

What You’ll Do

Own the Product Strategy for Retirement Investing

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

Launch New De-Accumulation Products

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

Expand and Improve Accumulation Offerings

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

Build Branded Strategies and Market-Defining Products

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

Who You Are

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.

What We’re Looking For

Requirements

Experience designing, structuring, and launching investment products

Strong understanding of retirement investing across accumulation and/or de-accumulation