Insurance Review Specialist

About the team

Zillow Group is a strategic mission-driven organization focused on delivering exceptional experiences and measurable outcomes. Our work spans cross-functional partnership scalable programs and operational excellence in support of Zillows mission. We bring deep experience working across diverse teams in a dynamic high-growth environment balancing strategic thinking with hands-on execution to drive meaningful business impact. We are seeking an experienced professional to support our workforce expansion in India.

About the role

Insurance review & risk assessment

Review homeowners insurance policies and related documents (binders declarations pages renewal notices proof of payment) for all ZHL mortgage products.

Validate that coverage meets applicable investor/insurer agency and ZHL internal standards including:

Property coverage type (e.g. HO-3 HO-6 dwelling fire master condo policies).

Coverage amounts relative to replacement cost / insurable value and loan requirements.

Deductibles (including wind/hail hurricane and special perils) within acceptable guidelines.

Proper mortgagee clause / loss payee naming Zillow Home Loans and its servicing entity.

Effective dates and evidence of no lapse in coverage through closing.

For properties in designated risk areas confirm appropriate flood and other required coverages (e.g. NFIP or acceptable private flood additional wind/hurricane where needed).

Identify and clearly document insurance deficiencies and required cures that may impact ZHLs collateral position or investor eligibility.

Recommend appropriate actions such as revised policies endorsements updated evidence of insurance or escalations to mitigate insurance-related risk.

Quality efficiency and process discipline

Apply a defect-prevention mindset focusing on up-front clarity that minimizes insurance-related rework for processors borrowers and agents.

Balance quality and speed consistently meeting or exceeding turnaround and volume expectations without compromising risk standards.

Use and help refine checklists SOPs and job aids that drive consistency in insurance review and related conditions across the team.

Support adherence to agency/investor and insurer requirements related to homeowners flood and other applicable coverages for all loan types (not just conventional).

Cross-functional collaboration

Partner closely with the processing team to:

Clarify insurance-related conditions and required cures.

Structure effective and borrower-friendly requests to insurance agents/companies.

Resolve open items quickly to keep loans on track for closing.

Work tangentially with underwriting aligning on acceptable insurance risk tolerances exception scenarios and escalation paths (e.g. unique property types non-standard policies).

Communicate clearly in English providing concise actionable notes and condition language that noninsurance experts can easily understand.

Building a new capability

Surface recurring defect patterns coverage gaps and carrier/agent issues to leadership to inform training technology and process improvements.

Participate in calibration sessions quality reviews and knowledge-sharing to strengthen consistency across the team.

Who you are

Required experience & skills

3 years of recent experience reviewing U.S. homeowners insurance policies for a U.S. mortgage lender servicer insurer or insurance/closing vendor with direct responsibility for validating coverage for mortgage transactions.

Strong working knowledge of:

Homeowners policy forms (e.g. HO-3 HO-6 DP forms) and master condo/HOA policies.

Coverage deductibles and endorsements required to protect the lenders interest.

Flood insurance (NFIP and acceptable private flood) including coverage limits deductibles and compliance for special flood hazard areas.

Mortgage-specific insurance requirements across Conventional FHA VA USDA and/or jumbo/portfolio products.

Demonstrated ability to identify insurance deficiencies and curative paths and to translate those into clear actionable conditions.

Proven track record meeting production and quality metrics in a high-volume operations environment.

Excellent written and verbal English communication skills especially for documenting conditions and rationale clearly.

Mindset & behaviors

Collaborative and comfortable working closely with processing underwriting and external insurance partners.

Adaptable and comfortable with change as we design and refine this new teams scope tools and processes.

Willingness to learn new products states carrier practices and systems as ZHLs business and risk framework evolve.

High degree of ownership and accountability for both quality (low insurance-related defects) and efficiency (turn time throughput).

Nice to have

Experience supporting FHA VA or other government loan products from an insurance/compliance perspective.

Prior work in India-based operations supporting U.S. mortgage or insurance workflows.

Familiarity with common LOS servicing systems and insurance tracking tools used by U.S. lenders/servicers.

How success is measured

Quality: Low rate of insurance-related pre-fund and post-close defects investor/insurer findings and curative rework.

Efficiency: Consistently meeting or exceeding turn-time and volume targets for insurance review and condition placement.

Consistency: Strong alignment with underwriting collateral and investor standards across reviewers and files.

Collaboration: Positive feedback from processing underwriting and insurance partners on clarity responsiveness and partnership.

Get to know us

At Zillow were reimagining how people movethrough the real estate market and through their careers.

As the most-visited real estate platform in the U.S. Zillow helps millions of customers navigate buying selling financing and renting with greater ease and confidence. Our teams in India play a critical role in building and scaling the technology products and operations that power this experience.

Whether youre working in tech operations or shared services youll collaborate with global partners to solve meaningful problems and help more people make home a reality.

Zillow is honored to be recognized among the best workplaces in the U.S.. Zillow was named one of FORTUNE 100 Best Companies to Work For in 2025 and included on the PEOPLE Companies That Care 2025 list reflecting our commitment to creating an innovative inclusive and engaging culture where employees are empowered to grow.

No matter where you sit in the organization your work will help drive innovation support our customers and move the industryand your careerforward together.

Zillow Group is an equal opportunity employer committed to fostering an inclusive innovative environment with the best employees. We are committed to equal employment opportunity regardless of race color ancestry religion sex national origin sexual orientation age citizenship marital status disability gender maternity status HIV status or veteran status. Reasonable accommodations will be provided to candidates with disabilities in accordance with applicable policies.