Senior Product Associate MORTGAGE

Shape the future of lending by translating business needs into actionable technology solutions. Collaborate with cross-functional experts to deliver impactful compliant and scalable products.

As a Product Owner within the Mortgage AI/ML Team you drive the end-to-end delivery of AI-enabled features across the mortgage lifecycle.
You partner with leadership operations compliance and technology to ensure requirements align with strategic objectives and regulatory standards.
You own the product backlog prioritize impactful use cases and translate business needs into high-quality user stories for implementation.

Job Responsibilities:

• Partner with mortgage leadership operations compliance risk and technology to elicit analyze and validate business requirements ensuring alignment to strategic objectives and regulatory obligations.
• Own and continuously refine the product backlog establishing clear priorities based on customer impact risk reduction and operational efficiency while actively managing scope dependencies and trade-offs.
• Identify size and prioritize AI/ML/GenAI use cases across the mortgage lifecycle aligning them to measurable business outcomes such as reduced cycle time and improved customer experience.
• Define AI-enabled feature requirements including data needs training and inference dependencies prompt and context inputs human-in-the-loop workflows fallbacks and regulatory guardrails.
• Translate requirements into high-quality user stories and acceptance criteria ensuring clarity testability and readiness for implementation; define Definition of Ready/Done standards with delivery teams.
• Lead story mapping process modeling and end-to-end workflow design across key mortgage functions to ensure seamless delivery.
• Drive data and integration requirements for mortgage platforms including LOS PPE document/eClose servicing systems customer portals workflow/orchestration and downstream reporting/analytics ensuring data lineage and control points.
• Collaborate with data engineering teams to deliver AI capabilities into production including deployment planning monitoring retraining triggers model/version management incident response and rollback strategies.
• Establish AI evaluation and acceptance criteria that account for probabilistic outputs including quality thresholds drift detection bias and fair lending risk and explainability expectations.
• Represent end users throughout solution design sprint execution and release readiness; coordinate and support User Acceptance Testing (UAT) triage defects validate outcomes and ensure operational readiness.
• Facilitate cross-functional workshops and training to drive adoption standardize processes and enhance business and technology understanding of new capabilities.

Required qualifications capabilities and skills:

• 7 years of experience in product ownership business analysis or technology delivery with demonstrated strength in requirements elicitation solution design and end-to-end execution in complex cross-functional environments.
• 3 years of hands-on experience in the US Mortgage/Lending domain with working knowledge of core processes terminology and operating models.
• Strong analytical and documentation skills including process mapping business rule definition and data-driven decisioning.
• Proven stakeholder management capabilities including senior-level communication facilitation conflict resolution and decision framing with clear options and trade-offs.
• Proficiency with Microsoft Office tools (especially Excel and PowerPoint) and delivery tooling such as JIRA Confluence and VISIO/LUCID (or equivalent).
• Strong understanding of Agile/Scrum practices including story mapping backlog management sprint planning refinement demos retrospectives and release planning.
• Self-starter with high ownership sound judgment and the ability to deliver results in a fast-paced highly regulated environment.
• Demonstrated AI product development fluency as a Product Owner including experience delivering AI-enabled product features or partnering closely with data science and ML engineering teams comfort translating business problems into AI-suitable requirements and familiarity with model evaluation concepts and ongoing monitoring considerations in production (e.g. accuracy/quality drift and operational performance).

Preferred qualifications capabilities and skills:

• Deep end-to-end US mortgage expertise spanning origination underwriting closing/funding.
• Strong understanding of US mortgage products.
• Working knowledge of key US mortgage regulations and control expectations with the ability to operationalize them into product requirements (e.g. TRID RESPA TILA ECOA HMDA FCRA SAFE Act AML/BSA considerations state-specific requirements).
• Experience with GenAI and LLM-powered workflow augmentation in enterprise settings (e.g. summarization classification search chat document understanding and knowledge retrieval) with appropriate business and operational controls.
• Understanding of responsible AI practices in regulated lending contexts including bias and fair lending risk considerations privacy and security expectations governance auditability and explainability requirements where applicable.