Job DescriptionJob Description

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
Robust 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 (Montreal)
🏢 Epsilon Solutions
📍 Montreal