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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 looking for a Principal Product Manager to lead infrastructure and data initiatives for our Home Loans business. In this role, you will own the systems, data models, and operational workflows that power the end-to-end mortgage lifecycle, ensuring our platform is scalable, efficient, and compliant as we grow.
You will focus on modernizing and optimizing how loans are processed, underwritten, and closed, with an emphasis on improving data quality, reducing manual effort, and accelerating cycle times. This includes driving automation across vendor and internal systems, strengthening data validation and synchronization, and enabling reliable, audit-ready processes across the organization.
This is a highly impactful role that sits at the intersection of product, engineering, and operations. You will partner closely with Operations, Risk, Compliance, Capital Markets, and Engineering to deliver systems that improve speed, cost efficiency, and quality across the lending lifecycle.
What you’ll do
- Define and drive the product vision, strategy, and multi-quarter roadmap for Home Loans infrastructure and data systems
- Lead initiatives to reduce final approval cycle time and improve overall operational efficiency and cost per funded loan
- Drive automation of manual processes, including vendor integrations and system enhancements that increase throughput and reliability
- Improve data validation, accuracy, and consistency across systems, ensuring high-quality inputs into decisioning and downstream workflows
- Partner with engineering to modernize core systems, including platform migrations and synchronization across web and internal tools
- Ensure systems and processes meet audit, compliance, and regulatory requirements, working closely with Risk and Compliance teams
- Collaborate with Capital Markets and Operations teams to support post-close functionality and downstream loan workflows
- Define and track key performance metrics (e.g., cycle time, cost efficiency, QA/QC outcomes), using data to identify bottlenecks and drive improvements
- Lead complex, cross-functional initiatives across multiple teams, aligning stakeholders and driving execution against shared goals
What you’ll need
- Bachelor’s degree or equivalent experience
- 7+ years of product management experience, ideally in fintech, lending, or platform/data-focused roles
- Proven track record of owning complex infrastructure, data, or operational systems and delivering measurable business impact
- Experience driving workflow optimization, automation, or operational improvements at scale
- Strong systems thinking, with the ability to understand and improve end-to-end processes across multiple systems and teams
- Experience working on technically complex products, with the ability to partner closely with engineering on architecture and trade-offs
- Data-driven mindset, with experience defining metrics and using insights to guide prioritization and decision-making
- Strong cross-functional leadership skills, with the ability to influence across Product, Engineering, Operations, Risk, and Compliance
- Excellent communication skills, including experience presenting to senior leadership
Nice to have
- Experience with mortgage systems (e.g., Encompass) or similar loan origination platforms
- Familiarity with home loan processing, underwriting, or closing workflows
- Experience supporting audit, compliance, or regulatory requirements in financial services
- Experience integrating with third-party vendors or external systems
- Background in capital markets or post-close mortgage processes
- Experience improving cycle times, cost structures, or operational efficiency in lending
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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