INFOPARK

Machine Learning Engineer (Generative AI & Document Intelligence)

Description
We are seeking a highly skilled and detail-oriented Machine Learning Engineer to lead the development and deployment of intelligent automation solutions across document processing, email workflows, and AI-driven applications. This role focuses on building scalable systems using deep learning, computer vision, and generative AI to improve efficiency, accuracy, and user experience.
The ideal candidate has strong experience in machine learning, NLP, and document AI, with the ability to design end-to-end solutions and translate business requirements into impactful AI products. This role works closely with cross-functional teams to deliver production-ready systems aligned with organizational goals.

Key Roles & Responsibilities
• Develop, deploy, and optimize machine learning and generative AI solutions for document processing, automation, and business workflows.
• Design end-to-end systems to extract structured data from unstructured sources such as PDFs, images, and emails.
• Build and implement deep learning models for classification, detection, document understanding, and information retrieval.
• Develop AI-powered chatbots and assistants to enable intelligent automation (e.g., Excel-based order workflows and business process automation).
• Engineer intelligent email processing pipelines using AI for classification, routing, and data extraction.
• Create generative AI and multimodal document understanding systems for complex document analysis.
• Implement detection-based and CNN-based models for document structure recognition (e.g., layout analysis, page continuation).
• Design hybrid solutions combining rule-based logic and machine learning for document classification and processing.
• Develop high-performance, scalable, and multi-threaded OCR and document processing applications.
• Integrate AI models into automation platforms, APIs, and web applications for seamless user experiences.
• Optimize model performance, scalability, and inference efficiency in production environments.
• Collaborate with cross-functional teams and stakeholders to translate business requirements into AI-driven solutions.
• Monitor system performance, analyze real-world data, and continuously improve model accuracy and reliability.

Required Qualifications
• 3+ years of experience in machine learning, deep learning, or AI engineering.
• Strong proficiency in Python and experience with C#.
• Hands-on experience with ML frameworks such as TensorFlow and PyTorch.
• Experience with NLP tools like spaCy and NLTK.
• Strong understanding of computer vision using OpenCV.
• Experience working with large language models (LLMs) and generative AI systems.
• Familiarity with cloud platforms such as Google Cloud Platform and Microsoft Azure.
• Strong problem-solving and analytical skills.

Skills
• Programming & ML: Python, C#, TensorFlow, PyTorch, Keras, Scikit-learn, Transformers.
• AI & Data: NLP (spaCy, NLTK, LLMs), Computer Vision (OpenCV, VLLMs), Pandas, NumPy, SQL.
• Cloud & Tools: Google Cloud Platform, Microsoft Azure, Vertex AI, JIRA, n8n.
• Document AI: OCR (Tesseract OCR, ABBYY), PDF processing (PyMuPDF, PyPDF2).
• Core Strengths: Product mindset, problem-solving, attention to detail, collaboration, adaptability, and results-driven execution.

Compensation is flexible and aligned with experience and expertise.

Work Timing & Shift
Time: 9:00AM to 6:00PM
Mode of work: Work from office

Lock Desk Analyst – U.S. Mortgage

Job Description: Lock Desk Analyst – U.S. Mortgage

Job Summary

The Lock Desk Analyst manages mortgage rate lock requests, pricing, lock changes, extensions, relocks, and cancellations according to company policies, investor guidelines, and market pricing. The role involves coordinating with Loan Officers (LOs), Loan Processors (LPs), Secondary Marketing, underwriting, and investors to ensure accurate pricing, timely lock execution, and compliance with established procedures. The analyst also reviews daily investor rate sheets, maintains pricing accuracy in mortgage systems, investigates and resolves pricing discrepancies, and supports the smooth functioning of the mortgage lock desk.

Key Responsibilities

1. Mortgage Rate Lock Management:

Process rate lock requests from Loan Officers (LOs) and Loan Processors (LPs), verify loan details (amount, program, interest rate, LTV, FICO, occupancy, property type, and lock period), ensure eligibility and compliance with company policies and investor guidelines, and accurately process new locks, changes, extensions, relocks, and cancellations on time. Monitor lock expirations, communicate confirmations, rejections, and required corrections, and maintain accurate records in the loan origination system.

2. Mortgage Pricing and Rate Sheet Management:

Download and review daily investor rate sheets for dates, pricing adjustments, product availability, and lock periods. Upload and maintain rate sheets and pricing data in the pricing engine. Compare investor pricing with internal systems to identify differences. Review base pricing, loan-level price adjustments (LLPAs), margins, concessions, discount points, and lender credits. Calculate and verify final borrower or broker pricing according to company policies. Provide accurate pricing information to Loan Officers for eligible loan scenarios.

3. Lock Extensions, Relocks, and Pricing Exceptions:

Review and process lock extensions, relocks, and pricing exceptions according to company policies. Calculate extension fees, relock fees, and pricing adjustments. Check lock history, expiration dates, previous extensions, and available free extension days. Process pricing concessions and exceptions only after obtaining the required approvals. Verify approval authority and maintain supporting documents. Communicate applicable fees, pricing impacts, and processing restrictions to the requesting teams.

4. Investor Guidelines and Product Eligibility:

Review investor guidelines and product eligibility before processing lock requests. Verify delegated and non-delegated lending channels, where applicable. Confirm product availability based on loan program, credit score, occupancy, LTV, loan purpose, and other applicable criteria. Identify investor-specific restrictions and escalate exceptions when needed. Coordinate with investor representatives to resolve pricing, eligibility, and lock-related issues. Ensure all pricing and lock activities follow investor requirements and internal policies.

5. Communication and Issue Resolution:

Respond to inquiries from Loan Officers, Loan Processors, Secondary Marketing, and other internal teams. Explain pricing differences, lock rejections, extension fees, and investor restrictions clearly. Follow up on pending lock requests, pricing exceptions, and unresolved system issues. Escalate complex pricing and eligibility concerns to the appropriate manager or authorized approver. Maintain professional communication and meet established service-level agreements (SLAs).

6. Quality Control and Reporting:

Maintain accurate records of lock requests, confirmations, extensions, relocks, cancellations, and pricing exceptions. Check loan details and pricing for accuracy. Prepare daily or periodic reports on lock activity, expiring locks, pending requests, and pricing issues. Follow internal controls, audit requirements, and documentation standards.

Required Qualifications

A Bachelor's degree in Finance, Accounting, Business Administration, or a related field is preferred.

At least 1 year of experience in U.S. mortgage operations, Secondary Marketing, or mortgage rate lock desk operations is preferred.

Knowledge of mortgage pricing, rate locks, extensions, relocks, cancellations, and Conventional, FHA, VA, USDA, and applicable Non-QM products is required, along with Excel, Microsoft Office, and pricing analysis skills.

Strong analytical, numerical, problem-solving, and communication skills, attention to detail, and the ability to manage multiple requests under tight deadlines are essential.



Key Competencies & Performance Metrics

Strong analytical, numerical, and problem-solving skills.

Accuracy in mortgage pricing, rate locks, extensions, and relocks.

Good time management, prioritization, and attention to detail.

Effective communication, teamwork, and knowledge of investor guidelines and compliance requirements.

Timely processing of lock requests, quick resolution of pricing issues, and adherence to company policies and service-level agreements (SLAs).

Accurate documentation, audit readiness, and reduction of processing errors.

Work Schedule & Location

Must be available to work according to U.S. mortgage business hours, including the applicable U.S. time zone and market-related deadlines.

Shift Time: 7:30pm to 4:30am IST

Location: Inforpark Phase 2, Kochi