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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:
As a Home Loans Senior Credit Manager, you will play a key role in overseeing SoFi’s Home Loans Portfolio and enhancing its Home Loans Originations. Your primary responsibility will be to grow the Home Loans business by innovating how we manage credit risk, while ensuring our risk targets and regulatory requirements are met.
What you’ll do:
- Lead projects for Home loans including redesigning credit guidelines for loan originations and Portfolio Monitoring
- Identify opportunities to streamline processes including the automation of Underwriting such as income, assets, credit, etc.
- Conduct Gap Analysis to Investor Guidelines
- Serve as a subject matter expert and point of contact for various Home Lending products including Home Equity, Conforming, Jumbo, FHA and VA
- Review defective loans to determine the root cause
- Review credit exceptions and be able to determine if it is an acceptable risk based on compensating factors and the overall risk profile.
- Ensure credit policies are up-to-date and adhere to regulatory and internal requirements
- Track and analyze transaction volume and product
What you’ll need:
- Minimum Education: Bachelor’s Degree or equivalent experience
- Minimum of 8 years’ experience across Home Equity & Mortgage, Underwriting or Credit Risk
- Must have experience and an understanding of how to evaluate an applicant's credit history, income, and assets to determine eligibility and the level of risk associated with approving a loan
- Strong analytical and critical thinking skills
- Knowledge of mortgage lending regulations, underwriting guidelines, and loan programs
- Knowledge of best in class Home equity underwriting (data, technology, guidelines)
- Financial analysis skills including interpreting credit reports, calculating income from complex personal and business tax returns
- Excellent communication skills to interact with key stakeholders
- Ability to work independently and prioritize tasks in a fast-paced environment
Nice to have:
- Experience at a Fintech where streamlined approaches are used to review income, credit, collateral, etc.
- Experience in unsecured products that have a streamlined approach to Underwriting
Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.The Company hires the best qualified candidate for the job, without regard to protected characteristics.Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.New York applicants: Notice of Employee RightsSoFi is committed to embracing diversity. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [email protected].Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Healthcare Strength — Comprehensive medical, dental, and vision plans are paired with mental-health coaching/therapy, EAP access, and wellness programs, with options noted for low or fully covered premiums. Company-paid life and disability insurance further strengthen core protection.
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Parental & Family Support — Up to 12 weeks fully paid parental leave is complemented by fertility/adoption resources, subsidized back-up child/elder care, caregiver leave, and pet insurance. A 2026 program also matches a new federal $1,000 seed for eligible children’s investment accounts.
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Leave & Time Off Breadth — Exempt employees have flexible/unlimited vacation alongside early-release “SoFi Fridays,” while non-exempt employees receive generous vacation and sick time. Paid volunteer time and role-appropriate leave options extend time-away coverage.
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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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