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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.
We are seeking a Senior Manager, Small Business Lending to help lead the charge in launching and scaling SoFi’s newest lending vertical. In this "0 to 1" role at a nationally chartered bank, you will be responsible for building the foundation of our Small Business (SMB) lending product, managing day-to-day operations, and ensuring the business’ long-term health.
This is a high-visibility position for a builder who loves to "run after problems". You will not only launch the product but also serve as the primary owner for maintaining critical external partner relationships and internal reporting. You will work cross-functionally with Product, Engineering, Design, Credit Risk, Compliance, and Legal to ensure we deliver a best-in-class experience that puts our business members' interests first.
What You’ll Do:- Collaborate with Product and Engineering to define the user journey, ensuring a seamless, digital-first application and funding process
- Partner with cross-functional leaders from across credit risk, legal, compliance, underwriting and more to ensure we are helping our business members Get Their Money Right
- Serve as the primary point of contact for external partners, ensuring service level agreements (SLAs) are met and issues are resolved quickly
- Own the "source of truth" for the SMB portfolio. Design and maintain rigorous reporting dashboards to track KPIs such as origination volume, cost of acquisition (CAC), delinquency rates, and net promoter score (NPS)
- Monitor portfolio performance daily; identify trends and "get to the truth" behind the data to help arrive at strategic decisions
- Manage the daily operations of the lending funnel, identifying friction points and working with product & operations to implement iterative improvements
- Experience: 5+ years of experience in consumer or commercial lending, with specific exposure to Small Business (SMB) lending, including Small Business Card at a FinTech or Bank.
- Relationship Management: Demonstrated ability to manage third-party vendors or complex partnerships, driving value and accountability.
- Analytical Skills: Strong data fluency. You are comfortable using SQL, Tableau, or Excel/Google Sheets to manipulate large datasets and derive business insights.
- Cross-Functional Leadership: Ability to influence without authority and work effectively with technical and non-technical teams (Engineering, Legal, Compliance).
- Risk Analytical Knowledge: Partner with risk organization to understand portfolio performance and develop growth strategies to grow portfolio.
- Product Development: Have an experience developing product or partnering with product organization managing to launch consumer and small business lending.
- MBA or advanced degree
- Experience with commercial credit underwriting
- Familiarity with SBA lending products (Small 7(a),SBA Express, 504) and SMB card products
- Experience working in a high-growth, agile Fintech environment
- Experience working at a highly regulated institution (i.e. a Bank)
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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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