Product Owner - Mortgages

NTT America, Inc.; Dublin; On-site; EUR 80,000 - 100,000; Full time

Job summary

NTT America, Inc. is seeking an experienced Mortgage Product Owner / Business Analyst to lead product lifecycle management in mortgage lending. This role involves defining the product roadmap, collaborating with senior leadership, and managing product backlogs to enhance operational efficiency and customer experience.

The ideal candidate will possess over 10 years’ experience in mortgage banking, strong skills in Agile methodologies, and a proven background in driving digital transformation initiatives.

Qualifications

• 10+ years of experience in mortgage banking or financial services.
• Strong background in Agile/Scrum delivery environments.
• Experience in requirements gathering and process modeling.

Responsibilities

• Define and manage the mortgage product roadmap based on business needs.
• Gather, analyze, and document business requirements.
• Act as liaison between business users and IT teams.

Skills

Mortgage origination

Agile product ownership

Data analysis

Stakeholder engagement

Education

10+ years experience in mortgage banking

Tools

Agile/Scrum methodologies

Functional specifications

Job description

NTT DATA strives to hire exceptional, innovative and passionate individuals who want to grow with us. If you want to be part of an inclusive, adaptable, and forward‑thinking organization, apply now.

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

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