2023 HW Insider: Preetam Purohit


As head of hedging and analytics, Purohit protects the lender’s mortgage pipeline by trading in the derivatives markets. He hedges and prices mortgage servicing rights for sale to the secondary market, in part based on a model he developed and implemented.

Since joining Embrace Home Loans in 2015 as a capital markets trader, Purohit has made his mark. He was promoted to his current position in 2019 and plays an instrumental role in managing the company’s interest rate risk and its exposure to market fluctuations for both its origination pipeline and mortgage servicing portfolio. Purohit developed, managed and recalibrated a dynamic loan pull-through model using machine learning based on loan and borrower characteristics to predict the propensity of a loan to close as interest rates change. By effectively managing the company’s interest rate risk, Purohit protects Embrace’s profitability and helps ensure its financial stability. And, by making informed decisions on interest rate locks, loan pricing and mortgage-backed securities trading, Purohit contributes significantly to Embrace’s financial performance.


Preetam Purohit


Head of Hedging and Analytics

Company Name:

Embrace Home Loans

3d rendering of a row of luxury townhouses along a street

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