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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:
We seek a talented Consumer Credit Card Operations Process Manager to join our SoFi Card Platform team. This role exists to directly configure and operate the Fiserv (FDR) credit card processor, including PCF (Product Control File) and ACS (Adaptive Control System) settings, which are critical to card performance, compliance, and customer experience. This is a hands-on role with direct responsibility for processor configuration and system behavior. The individual will execute configuration changes, validate results, and understand how those changes impact the broader credit card ecosystem. This role plays a key part in ensuring accurate system behavior across a highly regulated environment and supports ongoing platform operations, enhancements, and modernization efforts.
What you’ll do:
- Directly configure, modify, and test PCF and ACS settings within the Fiserv processor
- Translate business requirements into specific parameter-level changes within the processor
- Execute end-to-end configuration changes, including setup, testing, validation, and release
- Perform UAT and production validation to ensure configuration accuracy and system behavior
- Analyze and troubleshoot production issues related to processor configuration and system performance
- Evaluate and communicate downstream impacts of system changes across servicing, fraud, disputes, collections, and compliance
- Own administration responsibilities across multiple Fiserv platforms and coordinate system updates
- Support platform implementations and cross-functional initiatives with hands-on configuration ownership
- Partner with internal stakeholders (technology, risk, legal, compliance, marketing) to ensure proper system behavior and regulatory alignment
- Identify opportunities to improve platform controls, processes, and operational efficiency
- Monitor platform performance and proactively mitigate operational risk
- Maintain accurate documentation for configuration changes, testing, and platform processes
What you’ll need:
- 5+ years of hands-on experience working within Fiserv / FDR credit card processor environments
- Recent hands-on experience directly configuring PCF and/or ACS
- Proven experience keying and modifying processor parameters, including:
- Pricing and fees
- APR / interest logic
- Credit limits and authorization controls
- Delinquency and collections settings
- Experience performing testing, validation, and release of processor configuration changes
- Ability to identify and assess downstream impacts of system changes across the credit card lifecycle
- Strong understanding of consumer credit card operations within a regulated environment
- Experience troubleshooting production issues related to processor configuration
- Ability to clearly communicate technical system behavior to non-technical stakeholders
Nice to have:
- Experience with Fiserv platforms such as Optis, VisionPLUS, or related systems
- Experience supporting platform migrations or modernization efforts (e.g., Galileo, LoanPro)
- Experience mapping regulatory requirements into system parameters
- Familiarity with tools such as JIRA, Tableau, Airtable, or Smartsheet
- Experience working in small, high-impact teams with direct ownership
What the Team is Saying
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What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions. Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise, united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete, but can come together to create something truly unconventional in the world. For the last eight years, we’ve been charting this new path forward. We call it The SoFi Way. At SoFi, we don’t just talk about culture: we live it. The SoFi Way is how we show up every day, how we make decisions, and how we build for our members, clients, and each other.
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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