Subject Matter Expert (SME) – US Mortgage Underwriting

Infrrd Inc.; Bengaluru; On-site; INR 1,500,000 - 2,300,000; Full time

Job summary

Infrrd Inc. is seeking a Subject Matter Expert in US Mortgage Underwriting in Bengaluru to lead underwriting and QC efforts for US lender and servicer clients. You will guide product, AI, and operations teams and serve as the go-to authority on complex underwriting decisions.

The role requires strong client-facing skills, US guidelines expertise (VA, HUD, GSE, TRID, ATR/QM), and experience with platforms like Encompass, ACES, DocMagic, and Calyx. Overlaps with US business hours are expected.

Qualifications

• 7+ years of US residential mortgage underwriting and/or post-closing QC across VA, FHA, and Conventional loans.
• Experience handling escalations and working with US clients.
• Knowledge of VA Pamphlet 26-7, HUD 4000.1, and Fannie Mae/Freddie Mac guides.
• DE certification (FHA) and VA SAR, or equivalent.

Responsibilities

• Lead client discovery sessions, workshops, and business reviews, and build trusted relationships with underwriting, QC, and compliance leaders.
• Turn client guidelines, overlays, and QC checklists into clear requirements for product and delivery teams.
• Handle client escalations and guideline-interpretation questions, and support pre-sales, demos, and RFPs.
• Act as the final authority on complex underwriting and QC decisions across VA, FHA, and Conventional loans.
• Audit pre- and post-closing QC reviews for accuracy and root cause, and flag recurring defect patterns.
• Define extraction fields, validation rules, and edge cases for mortgage documents, and review AI output for accuracy.
• Track regulatory and guideline updates (VA, HUD, GSE, TRID, ATR/QM), support audits, and train internal and client teams.

Skills

Mortgage underwriting

Client-facing

Regulatory knowledge

Strong communication

Education

Bachelor's degree in Finance/Business

Tools

Encompass

ACES

DocMagic

Calyx

Job description

Hello there! Infrrd here.

Haven't heard of us? No problem. First off, it's pronounced In-fur-d.

We are a leading Enterprise AI and Intelligent Document Processing (IDP) company helping global organizations automate document-heavy workflows across mortgage, insurance, construction, and manufacturing.

We are looking for a Subject Matter Expert (SME) – US Mortgage Underwriting. As our go-to authority on underwriting and QC, you will work directly with US lender and servicer clients and guide our product, AI, and operations teams. This role is ideal for a seasoned underwriter who is as comfortable on a client call as deep in a loan file.

Key Responsibilities

• Lead client discovery sessions, workshops, and business reviews, and build trusted relationships with underwriting, QC, and compliance leaders
• Turn client guidelines, overlays, and QC checklists into clear requirements for product and delivery teams
• Handle client escalations and guideline-interpretation questions, and support pre-sales, demos, and RFPs
• Act as the final authority on complex underwriting and QC decisions across VA, FHA, and Conventional loans
• Audit pre- and post-closing QC reviews for accuracy and root cause, and flag recurring defect patterns
• Define extraction fields, validation rules, and edge cases for mortgage documents, and review AI output for accuracy
• Track regulatory and guideline updates (VA, HUD, GSE, TRID, ATR/QM), support audits, and train internal and client teams

Must-Have Qualifications

• Bachelor's degree in Finance, Business, or a related field
• 7+ years in US residential mortgage underwriting and/or post-closing QC across VA, FHA, and Conventional loans
• Proven client-facing experience with US clients, including handling escalations
• Expert knowledge of VA Pamphlet 26-7, HUD 4000.1, and the Fannie Mae/Freddie Mac guides
• DE certification (FHA) and VA SAR, or equivalent
• Experience with Encompass, ACES, DocMagic, Calyx, or similar platforms
• Excellent communication skills and flexibility to overlap with US business hours

Good-to-Have Skills

• USDA, Jumbo, and Non-QM knowledge, plus familiarity with TRID, ATR/QM, ECOA, and RESPA
• CMB or similar certification
• Experience in mortgage tech, SaaS, consulting, or customer success
• Exposure to AI/IDP automation or to writing business requirements
• HUD/VA audit or investor QC experience
• Excel/Power BI reporting, or a Six Sigma/Lean background

Looking forward to speaking with you!

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