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Experienced Mortgage Product Owner / Business Analyst with more than 10 years of expertise in mortgage lending, digital transformation, product lifecycle management, and business process optimization within retail and commercial banking environments. Proven ability to bridge the gap between business stakeholders, operations, compliance teams, and technology delivery teams to deliver scalable mortgage solutions that improve customer experience, operational efficiency, and regulatory compliance. Strong background in mortgage origination, servicing, underwriting, refinancing, and regulatory frameworks across end-to-end lending processes. Skilled in Agile product ownership, requirements management, stakeholder engagement, process reengineering, data analysis, and implementation of digital mortgage platforms. Demonstrated success in driving strategic initiatives, leading cross-functional teams, managing product backlogs, defining business requirements, and delivering high-impact mortgage technology solutions aligned with organizational objectives.
Job Responsibility
Define and manage the mortgage product roadmap aligned with business goals and customer needs
Collaborate with senior leadership to define product vision, strategy, and priorities
Own product backlog and ensure features are prioritized based on business value and regulatory requirements
Conduct market analysis and competitor benchmarking to identify product enhancement opportunities
Drive digital transformation initiatives within mortgage origination and servicing platforms
Gather, analyze, document, and validate business requirements from stakeholders
Translate business requirements into functional specifications, user stories, and acceptance criteria
Conduct workshops, stakeholder interviews, and process-mapping sessions
Analyze existing mortgage workflows and recommend process improvements
Ensure traceability between business requirements, testing, and implementation
Support mortgage lifecycle processes including: Loan origination, Underwriting, Credit assessment, Property valuation, Loan processing, Closing and funding, Mortgage servicing, Refinancing, Collections and foreclosure processes
Ensure compliance with mortgage regulations, lending standards, and internal policies
Collaborate with compliance and risk teams to implement regulatory updates
Act as liaison between business users, IT teams, vendors, and external stakeholders
Participate in Agile ceremonies including sprint planning, backlog grooming, reviews, and retrospectives
Support Scrum teams with clarification of business requirements and prioritization
Coordinate UAT activities and support defect resolution
Provide regular project updates and status reporting to leadership
Lead process optimization initiatives to improve operational efficiency
Support organizational change management during system implementations
Develop training materials and support end-user training
Identify automation opportunities within mortgage operations
Requirements
10+ years of experience as a Product Owner, Business Analyst, or Functional Consultant within mortgage banking or financial services
Extensive experience in mortgage origination and servicing systems