Mortgage Underwriting Manager

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Mortgage Underwriting Manager based in India.

This role offers the opportunity to lead a specialized underwriting quality function at the intersection of mortgage lending, AI, and fintech. You will manage a team responsible for validating the accuracy and guideline compliance of AI-powered underwriting outputs. By reviewing representative production loan samples, you will identify quality trends, recurring issues, and opportunities to strengthen automated lending decisions. Your expertise will directly influence product improvements by translating complex underwriting findings into actionable insights for Product, Engineering, and Machine Learning teams. The role combines people leadership, deep mortgage expertise, analytical problem-solving, and cross-functional collaboration. As part of a remote-first environment, you will have significant ownership and the opportunity to help shape the future of technology-enabled lending.

Accountabilities: Lead and develop a high-performing team of mortgage underwriters responsible for quality assurance of AI-powered mortgage underwriting products.

Hire, onboard, coach, and manage team performance while creating a culture of continuous learning, accountability, and professional development.

Manage workforce planning, capacity, and quality coverage to ensure representative daily loan sampling and consistent analysis.

Serve as the senior mortgage underwriting subject matter expert for the quality assurance team, providing guidance on complex underwriting scenarios and decisions.

Oversee daily reviews of representative production loan files to validate the accuracy, consistency, and guideline compliance of automated underwriting outputs.

Establish and maintain consistency in QA scoring, documentation, review standards, and root cause analysis across the team.

Identify recurring defects, quality trends, and systemic gaps through structured QA reviews and data-driven analysis.

Distinguish isolated underwriting issues from broader product or process weaknesses and recommend appropriate corrective actions.

Translate detailed underwriting findings into clear, actionable insights that Product, Engineering, and Machine Learning teams can use to improve product performance.

Partner closely with Product, Engineering, Machine Learning, and Customer Success teams to improve underwriting accuracy and product quality.

Represent underwriting quality and expertise during product planning and development discussions.

Provide mortgage underwriting expertise to customer-facing teams when complex product questions or escalations arise.

Requirements

8+ years of experience in US residential mortgage underwriting, including significant experience with agency lending.

3+ years of experience managing or leading teams of mortgage underwriters or quality assurance professionals.

Deep expertise across residential mortgage underwriting, including borrower eligibility, income analysis, asset verification, credit assessment, collateral review, appraisal analysis, underwriting conditions, and agency guideline interpretation.

Expert-level understanding of Conventional, FHA, VA, and USDA loan programs.

Demonstrated ability to identify trends, conduct root cause analysis, and translate underwriting findings into process, workflow, or technology improvements.

Strong analytical capabilities and experience using data to identify quality trends, evaluate performance, and support decision-making.

Exceptional written and verbal communication skills, with the ability to explain complex mortgage concepts clearly to technical and non-technical audiences.

Experience working with Loan Origination Systems such as Encompass or Byte and other mortgage technology platforms.

Experience collaborating with Product, Engineering, Machine Learning, or technology teams is strongly preferred.

Strong people leadership, coaching, workforce planning, and performance management capabilities.

High attention to detail, sound judgment, ownership, and the ability to work effectively in a fast-paced, remote-first environment.

Benefits

Fully remote working environment from India.

Opportunity to work at the intersection of mortgage underwriting, AI, automation, and fintech.

Significant ownership and autonomy in shaping an important quality function.

Opportunity to lead and develop a specialized team of mortgage professionals.

Exposure to innovative lending technology and collaboration with Product, Engineering, Machine Learning, and Customer Success teams.

Remote-first culture designed to support professional growth and meaningful impact.

Inclusive environment that values empathy, curiosity, humility, ownership, and diverse perspectives.

Opportunity to contribute to technology that aims to improve lending efficiency, accuracy, and access to credit.

How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best!  Why Apply Through Jobgether?    Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.     #LI-CL1