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Summary

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.

Core Responsibilities

Product Ownership & Strategy

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.

Business Analysis & Requirements Gathering

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.

Mortgage Domain Expertise

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.

Agile Delivery & Stakeholder Management

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.

Change Management & Process Improvement

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.

Experience and Skills Required

Experience

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.
Proven experience delivering large-scale mortgage transformation programs.
Strong background working in Agile/Scrum delivery environments.
Experience collaborating with cross-functional stakeholders including operations, underwriting, compliance, legal, and technology teams.
Hands-on experience in requirements gathering, process modeling, and solution implementation.
Experience working with third-party mortgage vendors and fintech platforms.
Exposure to cloud-based mortgage platforms and digital banking solutions preferred.

Mortgage Domain Knowledge

Deep understanding of:

Mortgage lending lifecycle
Loan origination systems (LOS)
Mortgage servicing platforms
Underwriting processes
Credit risk assessment
Regulatory compliance
Mortgage documentation and disclosures
Secondary mortgage market concepts

Knowledge of retail banking and lending operations.
Familiarity with industry regulations and standards.

Functional Skills

Business requirements analysis
User story creation and backlog management
Process mapping and workflow optimization
Gap analysis and impact assessment
Stakeholder management and communication
UAT planning and execution
Business process reengineering
Product lifecycle management
Risk and compliance management

About NTT DATA

NTT DATA is a $30 billion business and technology services leader, serving 75% of the Fortune Global 100. We are committed to accelerating client success and positively impacting society through responsible innovation. We are one of the world's leading AI and digital infrastructure providers, with unmatched capabilities in enterprise-scale AI, cloud, security, connectivity, data centers and application services. our consulting and Industry solutions help organizations and society move confidently and sustainably into the digital future. As a Global Top Employer, we have experts in more than 50 countries. We also offer clients access to a robust ecosystem of innovation centers as well as established and start-up partners. NTT DATA is a part of NTT Group, which invests over $3 billion each year in R&D.

Whenever possible, we hire locally to NTT DATA offices or client sites. This ensures we can provide timely and effective support tailored to each client’s needs. While many positions offer remote or hybrid work options, these arrangements are subject to change based on client requirements. For employees near an NTT DATA office or client site, in-office attendance may be required for meetings or events, depending on business needs. At NTT DATA, we are committed to staying flexible and meeting the evolving needs of both our clients and employees. NTT DATA recruiters will never ask for payment or banking information and will only use @nttdata.com and @talent.nttdataservices.com email addresses. If you are requested to provide payment or disclose banking information, please submit a contact us form, https://us.nttdata.com/en/contact-us.

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Product Owner - Mortgages

Job Description