Job Details

Senior Credit Manager

Base pay range

$172,800.00/yr - $297,000.00/yr

Who we are

Shape a brighter financial future with us. Together with our members, we're changing the way people think about and interact with personal finance. We're a next‑generation financial services company and national bank using innovative, mobile‑first technology to help our millions of members reach their goals. We're proud to do work that impacts people's lives guided by our core values.

Team

SoFi's Credit team manages credit risk activities for our lending products. The Senior Credit Manager will work in this team, analyzing data to develop and propose credit risk strategies for Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card.

Responsibilities

• Innovate and build algorithmic risk strategies for credit underwriting.
• Conduct deep data analysis to power lending decisions with real‑time data ecosystems.
• Iteratively test and learn to improve risk strategies.
• Collaborate with cross‑functional partners across Business, Operations, Marketing, Finance, Legal and Compliance.
• Control risk and drive performance outcomes; monitor and report on strategy portfolio performance.
• Challenge the status quo and build better processes.
• Lead growth and inspire future leaders.

Qualifications

• 7+ years of related experience.
• Business acumen in consumer lending (loans or credit cards).
• Direct experience in credit strategy analytical life cycle.
• Proven analytical skills using performance data, bureau attributes, and third‑party variables.
• Proficiency in Excel, SQL and Python.
• Strong ability to synthesize and communicate analysis to stakeholders.
• Results‑driven, collaborative, and eager to learn.
• Knowledge of decision trees, regression, logistic regression, test design.
• Preferred: 7+ years personal loan credit risk experience.
• Preferred: Experience developing strategies with alternative data sources.
• Preferred: Advanced degree in a quantitative field (Master's or PhD).

Compensation And Benefits

The base pay range for this role is above. Final offer will be based on individual factors.

To view all comprehensive benefits, visit the Benefits page.

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. New York applicants: Notice of Employee Rights.

SoFi offers reasonable accommodations for candidates with physical or mental disabilities. If you need accommodations, contact ...@sofi.com.

Due to insurance coverage issues, remote work from Hawaii or Alaska is not available.

Current employees should apply via the internal job board.