Product Owner (Mortgage)

Key Responsibilities:

• Act as the primary liaison between business stakeholders and technical teams for all product-related matters.
• Own and maintain the product backlog.
• Define user stories, acceptance criteria, and prioritize features aligned with business goals.
• Work closely with business analysts, UX/UI designers, developers, testers, and scrum masters to ensure clear understanding and execution of requirements.
• Partner with mortgage operations, compliance, and sales teams to gather business needs and translate them into system enhancements.
• Ensure the LOS adheres to all regulatory guidelines such as TRID, RESPA, TILA, HMDA, and FHA/VA/Conventional loan requirements.
• Drive digital transformation initiatives in the loan origination journey (e.g., automation, e-signatures, borrower portals).
• Monitor and report on key metrics related to product performance and user satisfaction.
• Manage stakeholder expectations and provide visibility into product progress and roadmap.
• Conduct UAT (User Acceptance Testing) and facilitate go-live readiness.

Required Skills and Qualifications:

• 3–7 years of experience as a Product Owner or Business Analyst in the mortgage domain.
• In-depth knowledge of Loan Origination Systems (e.g., Encompass, Blend, Empower, Finastra, Mortgage Cadence).
• Solid understanding of end-to-end mortgage loan lifecycle, especially the origination phase (application, processing, underwriting, closing).
• Strong experience with Agile/Scrum methodologies and tools (JIRA, Confluence, etc.).
• Excellent communication and stakeholder management skills.
• Experience working with cross-functional teams in a fast-paced environment.
• Strong analytical and problem-solving skills.

Preferred Qualifications:

• Certified Scrum Product Owner (CSPO) or similar Agile certification.
• Familiarity with mortgage pricing engines, credit services integration, and compliance validation.
• Exposure to API integration, document management systems, and eMortgage capabilities.
• Experience working with consumer-facing platforms or mortgage point-of-sale (POS) systems.
• Knowledge of data quality, reporting, and dashboards in mortgage operations.