Senior Credit Product Owner â Home Loans
Senior Credit Product Owner â Home Loans
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Salary Not Disclosed
1 Vacancy
Job Description
The role:
We are seeking a Senior Credit Product Owner to drive the development and execution of SoFis mortgage credit products across Conventional Jumbo FHA and Portfcredit strategy into scalable technology-enabled solutions. This is not an operations or exception review rolethis is a true product leadership role focused on driving innovation in credit program design implementation and optimization.
You will lead credit product initiatives from concept to deployment working across Product Engineering Capital Markets Risk and Operations to bring world-class credit capabilities to market. This role is foundational to SoFis success in modernizing mortgage lending and expanding its product offering.
What youll do:
Credit Product Ownership
- Define and manage the roadmap for credit policy execution across all Home Loans products (Conventional Jumbo FHA Portfolio).
- Partner with business and capital markets to translate investor and strategic requirements into executable product features.
- Own backlog prioritization and ensure delivery of high-impact features aligned with business goals.
Cross-Functional Program Delivery
- Lead the end-to-end delivery of credit initiatives including pricing eligibility underwriting guideline automation and new program rollout.
- Work closely with Engineering to break down credit requirements into deliverables and acceptance criteria.
- Drive Agile ceremonies ensure sprint velocity and remove blockers to delivery.
Strategic Execution
- Institutionalize credit delivery as a formal product vertical building repeatable processes and metrics for delivery performance.
- Develop business cases and execution plans for new credit offerings and guideline enhancements.
- Collaborate with Product Tech and Risk to bring new programs to market with speed and compliance.
Stakeholder Alignment
- Serve as the central voice connecting Credit Strategy Capital Markets Underwriting Legal Compliance and Ops.
- Proactively align roadmap priorities with business needs and market opportunities.
- Lead cross-functional forums to track progress and drive alignment.
What youll need:
- 710 years of experience in mortgage product management credit product ownership or a similar strategic role within lending
- Deep understanding of residential mortgage programs including Conventional Jumbo FHA and Portfolio
- Proven track record of launching and managing lending products and credit programs end-to-end
- Experience working with LOS (e.g. Encompass) pricing engines DU/LP and credit/income verification tools
- Strong familiarity with investor guidelines credit overlays capital markets and credit policy execution
- Ability to operate in Agile frameworks and lead cross-functional delivery using tools like Jira and Confluence
- Excellent communication organization and leadership skills
- Comfortable influencing at the VP/SVP level and managing matrixed teams
Required Experience:
Senior IC
Employment Type
Full Time
