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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. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The role:
SoFi is seeking a Senior Associate to join the Capital Markets, Investor & Transaction Development team. This individual will play a pivotal role in driving data-driven insights and analytical rigor across SoFi’s capital markets activities. The role spans a broad range of functions, including portfolio analytics, data automation, performance modeling, and transaction support. The ideal candidate will possess a strong quantitative background, experience with complex datasets, and the ability to synthesize analytical outputs into actionable insights for internal stakeholders, investors, and rating agencies. This position offers exposure to senior leadership across SoFi and collaboration with external partners such as institutional investors, lenders, and rating agencies, contributing directly to the execution of SoFi’s strategic financing initiatives.
What you’ll do:
- Construct granular portfolio segmentations by borrower characteristics, origination cohort, and credit attributes to support trend analysis and risk monitoring.
- Centralize and streamline analytical workflows to improve data accessibility and reduce cross-team dependencies.
- Extract, and analyze data using Snowflake, Tableau, and internal repositories to produce actionable insights.
- Build quantitative models to support yield, spread, and structural sensitivity analyses for financing transactions.
- Automate performance dashboards, pool stratifications, and loss/prepayment curve generation across portfolios.
- Deliver data-driven insights and materials supporting investor communications, securitization discussions, and rating agency engagements.
- Maintain, validate, and enhance structured datasets across SoFi’s unsecured lending products, ensuring integrity and consistency across internal and external systems (e.g., dv01).
- Partner cross-functionally with Risk, Legal, Treasury, Engineering, and Accounting to support execution of ABS, whole-loan, and structured financing activities.
What you’ll need:
- 5+ years of relevant experience desired in Capital Markets, Structured Finance, Data Analytics, or Quantitative Research
- BS/BA in Business, Finance, Economics, Engineering, Mathematics, Data Science, or a related quantitative discipline
- Advanced proficiency in SQL, Python, or similar data analytics tools
- Excellent work ethic and willingness to contribute broadly to achieve team and company objectives
- Strong analytical skills with attention to detail and the ability to translate technical findings into business insights
- High level of proficiency with Microsoft Office and Google suites (particularly in Excel, PowerPoint)
- Previous experience with lending or consumer credit products a plus: mortgages, student loans, credit cards, personal loans, etc.
- Previous experience with asset-backed securitization data sets (Bloomberg, Intex, DV01, etc.) and loan level/performance data a plus
Top Skills
What the Team is Saying
What We Do
For over a decade, SoFi has helped transform the Fintech industry by creating financial products and services that help people borrow, save, spend, invest, and protect their money better, so they can achieve financial independence and realize their ambitions. Whether it’s owning a home, saving for retirement, paying off their student loans, or helping our members invest - SoFi is there every step of the way. Want to learn more about how it works? Check it out here: https://www.sofi.com/how-it-works/
Our core values are at the center of how we help our millions of members get their money right. They are our guiding principles for how we think about serving our members, building our company, and most importantly, how we work together. At SoFi, it’s not just what we do - but how we do it.
SoFi is also proud to be the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams.
For more information, visit SoFi.com
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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Employees engage in a combination of remote and on-site work.
For the majority of our workforce who work on a hybrid schedule, the in-office requirement is a handful of days per month!
