Job Description
Skill: Program Manager with mortgage domain skills
Program Management
Must Have Technical/Functional Skills:
Mortgage Domain Expertise
Comprehensive knowledge of the US Residential Mortgage lifecycle: Origination, Processing, Underwriting, and Closing.
Deep understanding of Fannie Mae/Freddie Mac guidelines, FHA/VA requirements, and private investor overlays.
Familiarity with mortgage document types (Income, Asset, Tax, Collateral) and their validation logic.
Technology & AI Literacy:
Strong conceptual understanding of Generative AI, Large Language Models (LLMs), and Intelligent Document Processing (IDP).
Experience with Agile delivery frameworks (Scrum/Kanban) and tools like Jira/Confluence.
Ability to discuss technical data contracts and system architecture with engineers while translating impact to business users.
Roles & Responsibilities
Gen-AI Program Oversight & Delivery:
Lead the implementation roadmap for Gen-AI based Mortgage IDP (extracting data from 1003s, paystubs, W2s, etc.) and Gen-AI assisted underwriting.
Define program scope, milestones, and success metrics (KPIs) focused on reducing Turnaround Time (TAT) and improving "Right First Time" ratios.
Manage cross-functional workstreams, ensuring technical development aligns with the specific nuances of mortgage credit policy and secondary market requirements.
Underwriting & IDP Strategy
Supervise the integration of Gen-AI modules into existing Loan Origination Systems (LOS) and Loan Management Systems (LMS).
Manage dependencies between data ingestion, AI model processing, and downstream automated decision engines.
Oversee API-led integrations with third-party providers (Bureaus, VOE/VOI, Appraisal vendors).
Specify API/integration requirements with bureaus, KYC providers, appraisal systems, e-sign, and payment gateways.
Compliance & Controls
Ensure all Gen-AI solutions adhere to Fair Lending acts (ECOA, HMDA) and internal risk & control frameworks.
Partner with Legal and Compliance to manage AI-specific risks, including model bias, data privacy (PII), and "Explainable AI requirements for adverse action notices.
Stakeholder Management
Act as the primary point of contact for executive leadership, providing transparent reporting on budget, risks, and ROI.
Facilitate high-level workshops to align Underwriting, Risk, Operations, and Tech teams on the AI product vision.
Quality & Performance Validation
Oversee User Acceptance Testing (UAT) specifically for AI model accuracy and "confidence score" thresholds.
Validate that Gen-AI outputs consistently meet the rigorous accuracy standards required for mortgage auditing and securitization.
Salary Range - $110,000-$130,000 a year
TCS Employee Benefits Summary
Discretionary Annual Incentive.
Comprehensive Medical Coverage: Medical & Health, Dental & Vision, Disability Planning & Insurance, Pet Insurance Plans.
Family Support: Maternal & Parental Leaves.
Insurance Options: Auto & Home Insurance, Identity Theft Protection.
Convenience & Professional Growth: Commuter Benefits & Certification & Training Reimbursement.
Time Off: Vacation, Time Off, Sick Leave & Holidays.