SoFi Technologies

9 months ago

Senior Credit Manager

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 3 hours agoStatus: Live

Job Summary

Own end-to-end development and implementation of Personal Loan underwriting strategies, using advanced analytics to monitor portfolio risk trends and improve credit performance. Build algorithmic credit underwriting, pre-screen targeting, and risk tier assignment using internal, bureau, third-party, and alternative data. Partner across Business Units, Operations, Marketing, Finance, Capital Markets, Product, Engineering, Legal, and Compliance to drive revenue, control risk, and deliver strategy outcomes with 1LOD responsibilities.

Location: San Francisco, New York

Workplace: Onsite

Employment Type: Full time

Job Function: Banking, Lending & Credit

Seniority: Manager level

Key Responsibilities

•Independently develop and implement Personal Loan underwriting strategies that align with risk appetite.
•Analyze and monitor portfolio risk trends to generate insights and recommend strategy enhancements.
•Architect credit underwriting, pre-screen targeting, and risk tier assignment using algorithmic risk approaches.
•Build and use a real-time, multi-product data ecosystem drawing from internal, bureau, third-party, and alternative data sources.
•Collaborate cross-functionally to deliver strategy to production, mitigate loss, document outcomes, and escalate issues as necessary.

Pay and Benefits

Salary: USD 172,800 - 297,000 annually

Key Requirements

•7+ years of unsecured credit risk and data science experience.
•Business acumen and experience in consumer lending (loans or credit cards).
•Experience across the credit strategy analytical life cycle (strategy/decision trees, P&L, implementation validation, and post-implementation monitoring).
•Advanced SQL and Python skills for segmentation, vintage analysis, and PD/LGD/EAD modeling (e.g., decision trees, logistic regression) with back-testing and feature engineering.
•An advanced degree (Master’s or PhD) in a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science.

Experience:7+ yearsConsumer lendingCredit riskData science

Education:Master's in quantitative major such as Statistics, Mathematics, Engineering, or Computer Science

Skills:Data-driven decision makingCollaborationCommunicationResults-drivenAnalytical thinking

Languages:English

Tech Stack:SQLPythonDecision treesLogistic regressionPDLGDEADFeature engineeringBack-testingSegmentationVintage analysisPipeline developmentOperationalization

Company Brief

SoFi Technologies

Industry: Neobanking

Website

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SoFi Technologies

9 months ago

Senior Credit Manager

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 3 hours agoStatus: Live

Job Summary

Location: San Francisco, New York

Workplace: Onsite

Employment Type: Full time

Job Function: Banking, Lending & Credit

Seniority: Manager level

Key Responsibilities

•Independently develop and implement Personal Loan underwriting strategies that align with risk appetite.
•Analyze and monitor portfolio risk trends to generate insights and recommend strategy enhancements.
•Architect credit underwriting, pre-screen targeting, and risk tier assignment using algorithmic risk approaches.
•Build and use a real-time, multi-product data ecosystem drawing from internal, bureau, third-party, and alternative data sources.
•Collaborate cross-functionally to deliver strategy to production, mitigate loss, document outcomes, and escalate issues as necessary.

Pay and Benefits

Salary: USD 172,800 - 297,000 annually

Key Requirements

•7+ years of unsecured credit risk and data science experience.
•Business acumen and experience in consumer lending (loans or credit cards).
•Experience across the credit strategy analytical life cycle (strategy/decision trees, P&L, implementation validation, and post-implementation monitoring).
•Advanced SQL and Python skills for segmentation, vintage analysis, and PD/LGD/EAD modeling (e.g., decision trees, logistic regression) with back-testing and feature engineering.
•An advanced degree (Master’s or PhD) in a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science.

Experience:7+ yearsConsumer lendingCredit riskData science

Education:Master's in quantitative major such as Statistics, Mathematics, Engineering, or Computer Science

Skills:Data-driven decision makingCollaborationCommunicationResults-drivenAnalytical thinking

Languages:English

Tech Stack:SQLPythonDecision treesLogistic regressionPDLGDEADFeature engineeringBack-testingSegmentationVintage analysisPipeline developmentOperationalization

Company Brief

SoFi Technologies

Industry: Neobanking

Website