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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 visionary Home Loans and Commercial Valuation Strategy & Governance to serve as the organization’s definitive Subject Matter Expert (SME) on all things property value. In this high-impact role, you will be the architect of our enterprise valuation strategy across Conventional, Jumbo, FHA/VA/USDA, Closed-End Seconds (CES), HELOC, and Commercial (CRE/MF).
As the enterprise owner of valuation policy, you will design the "Valuation Engine" of the future—moving away from manual, one-size-fits-all workflows toward a sophisticated, risk-tiered approach that utilizes appraisals, evaluations, and AVMs based on data-driven complexity triggers. You will lead the transition to an analytics-led operating model, intervening directly on high-risk/complex files while automating the routine through rigorous governance.
What you’ll do:
- Property SME & Market Intelligence
Enterprise SME: Serve as the final authority on property valuation trends and risks across both Residential and Commercial (CRE/MF) asset classes.
Market Analysis: Maintain a deep understanding of the macro and micro-economic drivers of the housing and commercial markets.
Advisory: Provide strategic counsel to business line leaders and Credit Policy on how market shifts should impact lending appetite and collateral requirements.
- HPI Oversight & Housing Surveillance Framework
Model Ownership: Exercise full oversight of House Price Index (HPI) models, ensuring they accurately capture market movements and volatility.
Surveillance Framework: Build and maintain a comprehensive Housing Surveillance Framework. Use HPI models and external data to monitor regional trends, identify price bubbles, and establish geographic "hot zone" triggers.
Proactive Risk Management: Integrate surveillance outputs directly into the "Valuation Engine" to automatically escalate scrutiny in volatile markets.
- Valuation Strategy, Policy & Model Risk
Strategic Tiering: Define risk tiers and set coverage rules (Appraisal vs. Evaluation vs. AVM) based on exposure, complexity, and surveillance triggers.
The Policy Stack: Own and govern the complete policy suite, including Real-Estate Valuation, Evaluation Policy, Reconsideration of Value (ROV) Framework, and AVM Strategy.
Model Governance: Select and govern AVMs. Lead the program for testing, back-testing, and challenger modeling.
Quality & Fairness: Implement random-sample validation and bias/fairness checks. Publish performance scorecards and remediation plans to ensure alignment with OCC/Interagency guidance.
- Strategic Partnerships & Execution
Cross-Functional Leadership: Coordinate with Credit Policy, Model Risk, Compliance/Fair Lending, and Originations/Servicing to drive a seamless, compliant valuation process.
RACI & Reporting: Define the enterprise RACI for valuation decisions; establish a monthly/quarterly reporting cadence for KRIs and KPIs to executive leadership.
What you’ll need:
- Experience: 15+ years of related experience in Real Estate Valuation, Housing Economics, or Collateral Risk Management.
- Education: Minimum Education Requirements such as: Bachelor’s Degree or Higher
- SME Status: Deep technical knowledge of HPI modeling and a mastery of both Residential and Commercial property markets.
- Regulatory Mastery: Expert-level understanding of USPAP, Interagency Appraisal and Evaluation Guidelines, and AVM Quality Control expectations.
- Analytical Depth: Ability to build data-driven surveillance frameworks and manage complex model-risk environments.
- Influence: Proven ability to drive results through partnership, moving the organization toward a sophisticated, tech-enabled valuation future.
- Vision: A track record of transforming manual, legacy processes into tech-enabled, automated, and risk-sensitive operating models.
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Healthcare Strength — Core coverage is described as comprehensive—medical, dental, and vision—along with company‑paid life and disability insurance, HSA/FSA options, and access to mental‑health support including therapy sessions and EAP resources. Materials also note heavily subsidized U.S. medical premiums and no‑cost digital mental‑health care.
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Parental & Family Support — Public benefits list up to 12 weeks of fully paid parental leave, plus fertility/adoption/surrogacy support, paid caregiver leave, and subsidized backup child/elder care. Pet insurance and related family‑oriented resources are also highlighted.
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Affordable Benefits — Benefits pages describe significantly subsidized medical coverage, 100% employer‑paid premiums for certain dental/vision plans, and employer HSA contributions on HDHP options. These features point to lower out‑of‑pocket costs for several core benefits.
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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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