Manager, Mortgage Loan Underwriting

Overview

Lead a team of mortgage underwriters responsible for assessing mortgage loan risk, ensuring high-quality credit decisions, and maintaining compliance with investor, regulatory, and company guidelines.

What you'll do

• Lead a team of mortgage underwriters, setting clear expectations, providing coaching and feedback, and building a culture of accountability, inclusion, and continuous development.
• Oversee complex mortgage underwriting decisions and escalations, applying sound credit judgment and ensuring adherence to investor, regulatory, and internal risk policies.
• Establish, maintain, and refine underwriting standards, workflows, and quality controls to drive consistent credit outcomes, reduce defects, and support operational efficiency.
• Partner cross-functionally with Mortgage Operations, Processing, Closing, Capital Markets, Compliance, and Sales to align underwriting practices with product offerings and service-level commitments.
• Use performance metrics, quality reviews, and pipeline analytics to identify trends, manage capacity, and recommend process and policy improvements.
• Represent underwriting in key initiatives and projects, providing requirements, testing input, and change-management support for new products, technologies, or regulatory updates.
• Communicate underwriting decisions, policies, and rationale clearly to internal partners, supporting education and enablement for upstream and downstream teams.

What you'll need

• 10+ years of experience in mortgage underwriting or closely related mortgage credit/risk roles.
• 2+ years of experience leading or managing underwriting or mortgage operations teams.
• Strong knowledge of underwriting principles, risk assessment, and regulatory requirements.
• Exceptional communication and interpersonal skills, with the ability to interact across departments and levels.
• Must have recent conventional and FHA underwriting experience.
• Proven ability to manage teams, develop talent, and drive performance.
• Excellent analytical, decision-making, and problem-solving skills.

Nice to have

• VA underwriting experience.

Details

• Location: Bengaluru, India (Zillow India office).
• Office position: regularly works at the Zillow India office approximately 80 to 100 percent of the time each month; must live within a reasonable commuting distance of the office.