MORTGAGE LOS PRODUCT OWNER / CONSULTANT

Epsilon Solutions LTD

Location not stated

1 month ago

Agile
triage
POS
Scrum
Notary
OCR
Azure DevOps
Jira
Confluence

1 month ago

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Role Overview
Job Title: Mortgage LOS Product Owner / Consultant.
Location: (Montreal, QC), Canada

Day 1 Onsite - Fulltime

Position Overview
We are seeking a Mortgage LOS Product Owner / Consultant to support the definition, localization, and implementation of mortgage origination capabilities for Canadian lenders and financial institutions.
The role requires a strong combination of:

Canadian Mortgage Origination domain expertise
Product Ownership / Business Analysis experience
Compliance interpretation
Stakeholder management
Agile delivery collaboration

This position will work closely with product, engineering, compliance, implementation, operations, and client teams to convert lender and regulatory requirements into scalable product capabilities.

Key Responsibilities
Discovery & Business Engagement

Lead discovery workshops with lender business, operations, compliance, credit, and technology stakeholders.
Gather, analyze, and document business requirements.
Understand lender-specific workflows, policies, and operational models.

Product Ownership & Requirements Management

Translate mortgage journey requirements into:
- Product backlog items
- User stories
- Acceptance criteria
- Business rules
- Workflow requirements
Prioritize requirements and support Agile delivery processes.

Mortgage Lifecycle Support
Support end-to-end mortgage origination processes including:

Pre-Approval
Mortgage Application Intake
Underwriting Support
Conditions Management
Document Collection
Mortgage Approval
Closing/Funding
Implementation Handoff

Collaboration & Delivery

Work closely with Engineering, QA, UX, Integration, and Implementation teams.
Clarify requirements during sprint cycles.
Validate solution designs.
Participate in backlog grooming, sprint reviews, demos, and defect triage.

Compliance & Regulatory Alignment

Interpret Canadian mortgage compliance and lender policy requirements.
Translate compliance needs into:
- System controls
- Business validations
- Disclosures
- Audit checkpoints
- Product configurations
Collaborate with Compliance and Legal SMEs.

Client Implementation Support

Support customer onboarding activities.
Conduct fit-gap assessments.
Develop and support demo scenarios.
Assist with User Acceptance Testing (UAT).
Support issue triage and go-live readiness activities.

Must Have Skills
Mortgage Domain Expertise

Strong Canadian mortgage origination experience.
Experience working with:
- Banks
- Lenders
- Credit Unions
- Financial Institutions
- Mortgage LOS/POS implementation teams

Product Owner / Business Analysis Experience

Experience translating business requirements into:
- User stories
- Functional requirements
- Workflows
- Acceptance criteria

Mortgage Operations Knowledge
Strong understanding of:

Mortgage processing
Underwriting inputs
Borrower documentation
Conditions management
Mortgage approvals
Closing/Funding processes
Lender operations

Agile Delivery Experience
Experience working with:

Engineering teams
QA teams
Agile/Scrum frameworks

Including:

Backlog grooming
Sprint planning/support
Requirement clarification
Defect triage
Product demos

Compliance Awareness
Working knowledge of Canadian mortgage:

Compliance requirements
Risk controls
Lending policies

Candidate does not need to own every regulatory interpretation independently but must be able to effectively work with Compliance and Legal SMEs.
Stakeholder Management

Strong communication skills.
Workshop facilitation experience.
Ability to work with senior business stakeholders and technical teams.

Nice to Have Skills
Mortgage Platform Experience

Hands-on implementation or configuration experience with Mortgage LOS/POS platforms.

Quebec Mortgage Exposure
Experience with:

Quebec mortgage/hypothec processes
Notary workflows
Bilingual English/French communication

Lending Technology Integrations
Exposure to:

Product & Pricing Engines
Decision Engines
Conditions Management Solutions
Document Generation Platforms
E-Signature Solutions
Workflow Automation
OCR / IDP Solutions
Lending Integrations

Industry Ecosystem Knowledge
Experience with:

Mortgage Insurers
Credit Bureau Integrations
Broker Platforms
Appraisal / AVM Providers
Title / Notary Platforms
Core Banking Systems
Mortgage Servicing Platforms

Regulatory Knowledge
Experience with one or more of:

OSFI B-20
FCAC
FINTRAC
Provincial Broker/Lender Rules
Privacy & Consent Requirements
Quebec-Specific Mortgage Regulations

Tools
Experience with:

Azure DevOps
Jira
Confluence
Process Mapping
API Documentation
Data Mapping Artifacts

What Success Looks Like
The consultant will be successful when:

Clear, testable mortgage product requirements are provided to Engineering and QA teams.
Compliance and lender policy requirements are converted into practical system rules and controls.
Client onboarding and implementation teams receive sufficient information to configure and launch mortgage journeys with minimal rework.
The platform evolves into a reusable Canadian mortgage solution while remaining configurable for individual lender needs.

Experience Required
6–10+ years of experience across one or more of the following:

Mortgage Origination
Mortgage Lending Operations
LOS/POS Implementations
Product Ownership
Business Analysis
Mortgage Technology Consulting

Equivalent combinations of mortgage domain expertise, implementation experience, and product ownership capabilities will be considered.

Priority will be given to candidates with Canadian lender/credit union experience and Mortgage LOS/POS implementation background.

MORTGAGE LOS PRODUCT OWNER / CONSULTANT · Epsilon Solutions LTD

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