Senior Manager (US Mortgage Underwriting)

Overview

Shift: US Shift (9:00 PM - 6:00 AM IST)

Role Overview

We are looking for a Senior Manager - US Real Estate Operations to lead and scale a mix of underwriting, lender review, and real estate operations. This role requires strong expertise in US mortgage underwriting, condominium project reviews, and operational process management.

You will be responsible for driving quality, compliance, and efficiency, while leading teams and building scalable processes that support business growth.

Responsibilities

1. Underwriting & Lender Review

• Lead end-to-end underwriting including Capacity, Capital, Collateral, and Credit for US mortgage and condominium projects. Reviewing and approving New and Established project across for all GSEs including Fannie, Freddie, FHA and VA loan programs while ensuring accurate decisioning and clear justification for ineligible or declined cases
• Oversee detailed analysis of complex documentation such as financials, insurance, CC&Rs, litigation, reserve studies, and legal records, ensuring compliance with underwriting standards

2. Compliance, Risk & Quality Management

• Ensure adherence to agency and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, Jumbo) while maintaining high standards of accuracy, quality, and audit readiness
• Establish and drive quality control frameworks, monitor underwriting pipelines (SLA, productivity, turnaround time), and stay updated with regulatory changes and industry best practices

3. Operations & Process Excellence

• Design, implement, and optimize operational workflows to improve efficiency, scalability, and turnaround time, leveraging data to track performance and drive improvements
• Identify process gaps, implement scalable solutions, and align operational strategies with overall business goals

4. US Real Estate & HOA Operations

• Oversee processes related to property taxes, liens, permits, code violations, utilities, and HOA data operations, including collection, validation, and database management
• Guide teams in navigating US government portals and administrative systems, ensuring data accuracy, compliance, and structured quality checks

5. Team Leadership & Stakeholder Management

• Lead, mentor, and develop teams to drive performance, accountability, and career growth, while managing staffing plans, workflow allocation, and scheduling adherence
• Collaborate with clients and cross-functional teams (Sales, Product, Engineering) to resolve escalations, ensure alignment on project outcomes, and support scalable program growth

Qualifications

Required Qualifications

• Bachelor's degree in business administration, Finance, Real Estate, or related field
• 8-10+ years of experience in US Mortgage Underwriting, Lender Review, or Real Estate Operations
• Strong expertise in condominium project reviews and investor guidelines
• Proven experience in team leadership, operations management, and process improvement
• Solid understanding of US real estate processes (taxes, liens, permits, utilities)
• Strong analytical, communication, and stakeholder management skills
• Proficiency in data analysis tools and workflow systems

Preferred Qualifications

• Advanced degree or certifications in Management, Operations, or Quality
• Experience with workflow automation tools and operational dashboards