Joe Karbowski

Chief Technology Officer at Quilt Software

Traverse City, Michigan, United States

About Joe Karbowski

Joe Karbowski is Chief Technology Officer at Quilt Software. Location: Traverse City, Michigan, United States.

As CTO at Quilt Software, I lead technology, product, and customer experience teams dedicated to empowering independent specialty retailers to thrive in today's competitive market. My focus is on driving strategic growth through product-led innovation, AI-driven solutions, and exceptional customer experience. Over my career, I've successfully guided multiple SaaS organizations through significant growth phases and exits—from bootstrapped startups to VC-funded ventures to public companies. Today, backed by PSG, I'm responsible for setting Quilt's product vision, scaling our unified POS and payments platforms, and ensuring seamless integration of strategic acquisitions into our broader solution set through AI and operational excellence. I believe deeply in the power of cohesive teams, clear product strategy, and technology as an enabler of business outcomes. Areas of expertise: • Strategic Product Management & Product-Led Growth • Platform Consolidation & Acquisition Integration • AI-Powered Customer Experience and Automation • Cross-Functional Leadership and Team Development • SaaS Architecture & Operational Scalability • Acting as an Agent of Change and Growth Above all, my professional mission remains constant: creating innovative products and exceptional experiences that translate directly into measurable growth for the merchants we proudly support.

Skills

  • SaaS
  • Software Development
  • Enterprise Software

Additional experience

  • CTO

    FM:Systems

    December 2019 – November 2021

Education

  • BS, Michigan Technological University