India onlyBetter is the first AI-native mortgage and home equity finance company, revolutionizing one of the largest financial markets in the world. We make home finance radically more transparent; using AI and proprietary technology to eliminate friction from the mortgage process through our industry-leading AI platform, Tinman®, and the first voice-based AI mortgage assistant, Betsy™. Our mission is simple: make homeownership cheaper, faster and more accessible by transforming how people buy and finance homes.
The facts that speak for themselves:
- We’ve funded over $110 billion in loans (more than any other fintech in the US!)
- Raised over $1.2 billion in equity capital to modernize the $15 trillion mortgage industry
- Better’s propriety AI platform makes us an award-winning lender:
- Fintech Breakthrough Award 2025: Best Lending Innovation
- Yahoo! Finance (Jan 2025): Best Mortgage Lender for First-Time Homebuyers – Best for quick approval
- Yahoo! Finance (2025): Best Online Mortgage Lender
- Money Magazine (2025): Best for fast closing
- Forbes (2023): Best Online Mortgage Lender
We’re building the future of home finance—and we’re looking for smart, driven, ambitious innovators who are ready to tackle the most impactful work of their careers.
Role Overview
The Audit Analyst will support the Regulatory Strategy & Operations (RSO) team in executing loan-level compliance testing, regulatory reporting audits, and examination readiness activities. This role is execution-focused and plays a critical part in validating data accuracy, identifying compliance gaps, and strengthening internal controls across mortgage regulatory reporting processes.
The position supports HMDA, Mortgage Call Reports (MCR), and other state and federal reporting obligations through structured testing and audit workflows under the direction of the Manager, Regulatory Audit.
Key Responsibilities
- Perform detailed loan file reviews to validate accuracy of data reported in regulatory filings and internal systems
- Execute predefined audit scripts and testing procedures across HMDA, MCR, and state reporting datasets
- Compare source documentation against reported data fields to identify discrepancies
- Document findings clearly and consistently in accordance with internal audit standards
- Support testing of regulatory reporting processes, including HMDA LAR and Mortgage Call Reports
- Assist in reconciliation reviews and control validations to ensure reporting completeness and accuracy
- Escalate identified data issues and collaborate with internal stakeholders on corrective actions
- Maintain structured audit workpapers and testing documentation
- Prepare loan files and supporting documentation for internal reviews and state/federal examinations
- Track document requests and assist in compiling responses for regulatory inquiries
- Support remediation tracking by validating corrective actions and follow-up testing
- Conduct structured analysis to identify reporting trends, operational breakdowns, and control gaps
- Support root cause validation by reviewing loan documentation and system data
- Partner with Operations, Compliance, and Reporting teams to resolve discrepancies
- Contribute to the refinement of audit scripts, checklists, and monitoring frameworks
- Identify opportunities to improve documentation, testing efficiency, and control reliability
Required Qualifications
- Bachelor’s degree in Finance, Business, Economics, Accounting, or related field
- 2–4 years of experience in mortgage compliance, quality control, audit, regulatory reporting, or similar function
- Strong understanding of the mortgage lifecycle (origination, underwriting, closing, post-closing)
- Experience performing loan-level file reviews or transactional testing
- Strong analytical and investigative skills
- High attention to detail and documentation discipline
- Ability to manage multiple priorities in a deadline-driven environment
- Strong written and verbal communication skills
Preferred Qualifications
- Exposure to HMDA (Regulation C) reporting requirements
- Experience supporting Mortgage Call Reports (MCR) or state regulatory reporting
- Prior experience in compliance testing, internal audit, or risk management
- Experience working in a fintech or high-growth mortgage environment
Core Competencies
- Execution excellence
- Regulatory and mortgage process awareness
- Analytical rigor
- Structured documentation
- Cross-functional collaboration
- Process improvement mindset
Company Benefits
In Office Perks
Experience our comprehensive office perks, including daily meals and transport facility for commuting to and from the office, available for all employees coming to the office.
Health & Well-being
Our comprehensive medical plan is available for you, your spouse and dependents. Employees are covered under Mediclaim, Group Term life insurance and Accidental insurance.
Other Perks at Better
Experience flexibility with our night shift allowance, work from home allowance and transportation allowance, where applicable. We prioritize your convenience.
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