Senior Credit Manager

SoFi Technologies
San Francisco, New York
Workplace: OnsiteFull timeUSD 172,800 - 297,000 annuallyFunction: Banking, Lending & CreditExperience: 7+ yearsEducation: mastersSkills: ["Data-driven decision making","Collaboration","Communication","Results-driven","Analytical thinking"]

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.

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FursaFursa
SoFi Technologies
SoFi Technologies
10 months ago

Senior Credit Manager

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Source: Company careers pageValidated by: Fursa AI
Last checked: 20 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
Provides digital financial services including lending, banking, investing, and credit products through a consumer-focused online platform. SoFi serves individuals looking to manage money, borrow, save, invest, and protect their finances in one place.
Industry: Neobanking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: San Francisco, United States
Founded: 2011
WebsiteLinkedIn