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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 Senior Credit Product Owner to drive the development and execution of SoFi’s mortgage credit products across Conventional, Jumbo, FHA, and Portfcredit strategy into scalable, technology-enabled solutions. This is not an operations or exception review role—this is a true product leadership role focused on driving innovation in credit program design, implementation, and optimization.
You will lead credit product initiatives from concept to deployment, working across Product, Engineering, Capital Markets, Risk, and Operations to bring world-class credit capabilities to market. This role is foundational to SoFi’s success in modernizing mortgage lending and expanding its product offering.
What you’ll do:
Credit Product Ownership- Define and manage the roadmap for credit policy execution across all Home Loans products (Conventional, Jumbo, FHA, Portfolio).
- Partner with business and capital markets to translate investor and strategic requirements into executable product features.
- Own backlog prioritization and ensure delivery of high-impact features aligned with business goals.
- Lead the end-to-end delivery of credit initiatives, including pricing eligibility, underwriting guideline automation, and new program rollout.
- Work closely with Engineering to break down credit requirements into deliverables and acceptance criteria.
- Drive Agile ceremonies, ensure sprint velocity, and remove blockers to delivery.
- Institutionalize credit delivery as a formal product vertical, building repeatable processes and metrics for delivery performance.
- Develop business cases and execution plans for new credit offerings and guideline enhancements.
- Collaborate with Product, Tech, and Risk to bring new programs to market with speed and compliance.
- Serve as the central voice connecting Credit Strategy, Capital Markets, Underwriting, Legal, Compliance, and Ops.
- Proactively align roadmap priorities with business needs and market opportunities.
- Lead cross-functional forums to track progress and drive alignment.
What you’ll need:
- 7–10+ years of experience in mortgage product management, credit product ownership, or a similar strategic role within lending
- Deep understanding of residential mortgage programs, including Conventional, Jumbo, FHA, and Portfolio
- Proven track record of launching and managing lending products and credit programs end-to-end
- Experience working with LOS (e.g., Encompass), pricing engines, DU/LP, and credit/income verification tools
- Strong familiarity with investor guidelines, credit overlays, capital markets, and credit policy execution
- Ability to operate in Agile frameworks and lead cross-functional delivery using tools like Jira and Confluence
- Excellent communication, organization, and leadership skills
- Comfortable influencing at the VP/SVP level and managing matrixed teams
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Healthcare Strength — Healthcare options are described as comprehensive, spanning medical, dental, vision, company‑paid life and disability, EAP, and mental‑health coaching/therapy, along with wellness and gym programs. Some plans include employer HSA contributions and even 100% premium coverage in certain cases, underscoring robust day‑to‑day support.
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Parental & Family Support — Programs include up to 12 weeks of fully paid parental leave, fertility and adoption resources, and subsidized backup child and elder care. Additional offerings such as pet insurance round out a family‑friendly package.
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Leave & Time Off Breadth — Time off includes flexible vacation for exempt staff, generous PTO/sick time for non‑exempt employees, paid holidays, bereavement, jury duty, disability leaves, and early‑release “SoFi Fridays.” This breadth creates multiple avenues to step away and recharge across different employee groups.
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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!
