Manager, Mortgage Disclosure at Zillow in Bengaluru

Job description

About the team The Mortgage Disclosures team delivers accurate, timely, and compliant initial and revised loan disclosures that help borrowers understand their mortgage terms and progress confidently through the lending process. The team partners with Loan Officers, Processing, Underwriting, Closing, Compliance, and technology teams to maintain a consistent disclosure experience. Zillow Group is a strategic, mission-driven organization focused on delivering exceptional experiences and measurable outcomes. Our work spans cross-functional partnership, scalable programs and operational excellence in support of Zillow’s mission. We bring deep experience working across diverse teams in a dynamic, high-growth environment, balancing strategic thinking with hands-on execution to drive meaningful business impact. We are seeking an experienced professional to support our workforce expansion in India. About the role As Manager, Mortgage Disclosures, you will lead a team of Disclosure Analysts responsible for the timely preparation, review, delivery, and tracking of mortgage disclosures. You will own operational performance across compliance, quality, turnaround time, and customer experience while building scalable workflows and developing a high-performing team. What You’ll Do Lead, coach, and develop Mortgage Disclosure Analysts; establish clear performance expectations and provide ongoing feedback, training, and career support. Own daily disclosure operations, including queue management, workload distribution, capacity planning, escalation handling, and service-level performance. Oversee the accurate and timely preparation, review, and delivery of initial disclosures, redisclosures, and related borrower communications in accordance with ZHL procedures and applicable requirements. Ensure loan data, fees, terms, and documentation are accurately reflected in Encompass and related disclosure/document-generation systems before release. Monitor quality, aging, disclosure turn-time, defect, rework, and compliance metrics; identify root causes and implement corrective actions. Provide expert guidance on complex disclosure scenarios, changed-circumstance questions, timing requirements, data discrepancies, and system or workflow exceptions. Partner with Loan Officers, Processing, Underwriting, Closing, Compliance, Product, and technology teams to resolve issues and prevent disclosure-related loan delays. Maintain robust controls and audit readiness for disclosure workflows, documentation, system records, and applicable regulatory requirements. Own onboarding, calibration, quality reviews, SOPs, job aids, and change communications for the Disclosure team. Drive continuous improvement through process redesign, automation opportunities, Encompass enhancements, and clearer cross-functional handoffs. This role has been categorized as an Office position. “Office” employees regularly work at the Zillow India office for approximately 80 to 100 percent of their time each month. Employees must live within a reasonable commuting distance of the office. Zillow has not defined a reasonable distance, and expects employees will use judgment in determining this for themselves and understand the implications re: time commitment and cost of daily commute. Who you are 7+ years of U.S. residential mortgage experience in disclosures, processing, closing, compliance, or a related mortgage-operations function, including 2+ years of people leadership or team-lead experience or 5+ sole Experience in encompass Disclosure and closing. Strong knowledge of mortgage disclosure workflows, including Loan Estimates, Closing Disclosures, redisclosures, fee accuracy, and timing requirements. Experience with Encompass or a comparable loan origination system and document-generation or e-signing tools. Demonstrated ability to manage high-volume operations through quality, productivity, turnaround-time, and compliance metrics. Strong analytical judgment, written and verbal communicat