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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 Senior Product Manager for Underwriting, you will be at the heart of SoFi’s lending engine. You will own the product lifecycle for the platforms and services that determine how we evaluate risk and qualify members for our lending products.
Your mission is to build scalable, high-performance underwriting infrastructure that balances member experience with rigorous risk controls. You won't just be managing a backlog; you will be driving tech capabilities that span across multiple organizations—partnering with Risk, Engineering, Data Science, and Legal to ensure our decisioning engines are fast, accurate, and compliant. You excel at navigating complex technical dependencies and delivering measurable improvements to the underwriting squad.What you'll do: Own the Underwriting Roadmap: Define and drive the roadmap for our core underwriting and decisioning platforms, ensuring they support SoFi’s multi-product growth.
- Navigate Complexity: Drive tech capabilities and stakeholder buy-in across multiple organizations (Risk, Engineering, Legal, Compliance); effectively manage 3rd party partner integrations.
- Execution Excellence: Lead technical sprints, manage a complex backlog, and prioritize initiatives that improve underwriting throughput and reduce cycle times.
- Bridge the Gap: Translate nuanced risk and policy requirements into clear technical specifications for engineering teams, ensuring "underwriting thinking" is integrated from inception.
- Data-Driven Decision Making: Synthesize inputs from multiple sources (UXR, data analysis, finance) to build strategic rationales. Leverage SQL to track performance and inform prioritization.
- Process Improvement: Drive quality and velocity improvements by removing hurdles for the team and contributing to PM best practices within the Underwriting org.
- Stakeholder Management: Serve as the primary point of contact for underwriting technology, managing expectations and leading change management across the business.
What you’ll need:
- Experience: 5+ years of product management experience, ideally within fintech, lending, or platform-side roles.
- Technical Depth: Strong understanding of system architecture; ability to opine on technical choices and understand the trade-offs of different technical frameworks.
- Communication: Excellent communication skills—able to engage seamlessly with technical, analytical, and business audiences.
- Analytical Skills: Fluency with SQL and data analysis; experience using data to address customer pain points and iterate into solutions.
- Influence: Proven ability to influence beyond your immediate team and foster cross-functional alignment in a matrixed environment.
- Project Management: Strong organizational skills with a track record of running technical sprints and complex product launches.
Nice to have:
- Direct experience building or scaling underwriting/decisioning platforms.
- Knowledge of credit risk modeling and credit bureau data integrations.
- Experience working with lending platforms
- Experience working with LLMs or generative AI
Skills Required
- 5+ years of product management experience
- Strong understanding of system architecture
- Excellent communication skills
- Fluency with SQL and data analysis
- Proven ability to influence across teams
- Strong organizational skills
- Direct experience in building underwriting platforms
- Knowledge of credit risk modeling
- Experience working with lending platforms
- Experience with LLMs or generative AI
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Parental & Family Support — Up to 12 weeks fully paid parental leave, paid caregiver leave, fertility/adoption resources, and subsidized backup childcare/eldercare are offered. Pet insurance and family-building support further broaden the coverage.
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Healthcare Strength — Medical, dental, and vision coverage is paired with company-paid short- and long-term disability and life insurance. Mental-health support via Modern Health and employer HSA contributions enhance overall health support.
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Leave & Time Off Breadth — Flexible vacation for exempt employees, generous PTO for non-exempt, paid holidays, and early-release “SoFi Fridays” expand time-off options. An additional 16 hours of paid volunteer time underscores community engagement.
SoFi Insights
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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Hybrid Workspace
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!
