Mohammad Yousaf on the First 90 Days of Transformation

Mohammad Yousaf, Chief of Operations and Technology at National Mortgage Insurance Corporation, joins host Mudassar Malik to discuss how trust, alignment, and disciplined technology choices drive lasting transformation in financial services. 

Mohammad traces his path from telecom engineering into banking and mortgage finance, explaining why he moved from building technology to shaping business strategy. He highlights how lessons from team sports shaped his leadership style, where trust and alignment aren’t just cultural values but the foundation for effective execution. 

The conversation turns to transformation in operations and technology. Mohammad cautions against chasing trends and stresses the importance of the first 90 days, identifying the right processes to change, involving underwriters and processors early, and co-creating solutions. He shares a practical example of a middleware upgrade that unlocked revenue growth once reframed around speed and customer impact, showing how technology decisions gain traction when tied directly to business outcomes. 

Closing the discussion, Mohammad outlines how leaders can build cultures that adapt quickly while managing legacy resistance, and why AI adoption must stay anchored in transparency and borrower-first principles. Throughout the episode, he offers a clear, grounded guide to balancing innovation with responsibility. 

Mohammad also explores: 

• Trust and alignment in execution 
• Defining transformation beyond buzzwords 
• The first 90 days of change 
• Turning middleware upgrades into revenue 
• Why AI must stay borrower-first 

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