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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 are seeking a Business Manager Credit Reporting Agency Management who will be at the forefront of business strategy, working closely with the three main credit reporting agencies—Experian, TransUnion, and Equifax—as well as additional credit third parties, such as Innovis, Nova Credit, and FICO. This individual will also be responsible for designing and implementing business solutions that create value across multiple platforms and products.
What you’ll do:
Act as the primary business liaison between the organization and credit bureau agencies.
Develop and maintain strong business relationships with the three bureaus.
Understand the trends in credit data errors/opportunities and work with credit bureau agencies to improve.
Lead projects focused on the continuous improvement of credit data and bureau engagement.
Identify opportunities to strengthen relationships with credit bureau agencies and leverage partnerships to drive business value.
Partner with the SMO and Procurement to ensure maximum contractual leverage and business value received from each bureau relationship.
Stay informed and address developments in the credit bureau industry and assess their impact on the organization with rules at each bureau.
Ensure that credit reporting practices comply with applicable laws and regulations (e.g., Fair Credit Reporting Act, GDPR).
Implement and maintain appropriate risk management controls related to credit bureau relationships.
Provide regular reports and analysis on the status of the credit bureau relationships, data quality metrics, and dispute resolution performance.
Coordinate and manage one view of the Credit Reporting Agency value chain from data that is sent (for free!) to the data and services we buy back from each.
What you’ll need:
5+ years of experience with credit data and credit processes, or a related financial services role
Proven track record of working directly with credit reporting agencies (Experian, TransUnion, Equifax) and/or third-party credit data companies
Strong understanding of credit data flows, operational data processes and standards
In-depth knowledge of banking laws and regulations, including the Fair Credit Reporting Act (FCRA), GDPR, and other relevant compliance standards
Strong analytical and problem-solving skills; ability to use data to inform strategic decisions and drive business outcomes
Strategic thinker who can develop credit data analysis to drive results and support enterprise business goals
Excellent verbal and written communication skills, with the ability to influence and drive value cross-functionally
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Parental & Family Support — Up to 12 weeks fully paid parental leave, paid caregiver leave, fertility/adoption resources, and subsidized backup childcare/eldercare are offered. Pet insurance and family-building support further broaden the coverage.
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Healthcare Strength — Medical, dental, and vision coverage is paired with company-paid short- and long-term disability and life insurance. Mental-health support via Modern Health and employer HSA contributions enhance overall health support.
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Leave & Time Off Breadth — Flexible vacation for exempt employees, generous PTO for non-exempt, paid holidays, and early-release “SoFi Fridays” expand time-off options. An additional 16 hours of paid volunteer time underscores community engagement.
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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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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!
