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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 Technologies Inc. is seeking a skilled and experienced Senior Staff Credit Risk Analyst to join our dynamic team. As a key contributor, you will play a crucial role in the development and execution of industry best Credit Risk Management. The incumbent will improve comprehensive risk management capabilities for a rapidly growing bank holding company – ensuring robust defensive and offensive analytical capabilities – The contributor will play an essential role in fostering regulatory readiness and maturing a strong effective challenge second-line function across Credit Risk.
The Credit Risk Oversight (2LOD) Senior Staff Credit Risk Analyst role is critical to success across SoFi Technologies, Inc., SoFi Bank, NA, and operating subsidiaries. The incumbent will contribute to the second-line oversight of credit risk across all SoFi’s Small Business lending products. The role will perform advanced analytics to identify gaps and opportunities in the credit risk strategies and policies to ensure effective controls, performance monitoring and maintain an effective challenge environment.
What you’ll do:
Provide analytical support for data-driven insight generation to provide effective challenge to first line Credit through a combination of Small Business loan expertise and high-quality analytical thought processes
Support 2nd line Small Business Credit Risk by driving robust monitoring and adherence to risk appetite, risk identification, issue management and regulatory reporting
Monitor operational performance, roll rates, delinquent inventory, and credit loss trends. Perform diagnostic analyses on all aspects of Portfolio Management policies to assure strategies are fully optimized. Effectively communicate these trends to management
Review KPI/KRIs to monitor credit performance and and evaluate the effectiveness of current policies and procedures
What you’ll need:
Bachelor's degree and 12+ years of related experience or Master's degree and 8+ years of related experience
Industry knowledge, including a sound understanding of relevant regulations
Proactive go-getter able to to work in a fast-paced environment and proven ability to innovate
High motivation to drive change, eager to learn, and able to work collaboratively in a complex and fluid environment
Demonstrated ability to think critically to identify and solve problems through structured analytical reasoning; Excellent verbal, written and presentation / story-telling skills to bring analysis findings to the forefront and influence change.
Proven analytical and data mining skills ; excellent command over one or more of SQL, Python, R, SAS. Previous experience creating analytics on Tableau a plus
Working familiarity with automated monitoring tools and incident remediation
Skills Required
- Bachelor's degree with 12+ years related experience or Master's degree with 8+ years related experience
- Small Business loan expertise and experience overseeing small business credit products
- Sound industry knowledge and understanding of relevant banking and credit regulations
- Proven analytical and data mining skills; strong command of one or more: SQL, Python, R, SAS
- Previous experience creating analytics on Tableau
- Working familiarity with automated monitoring tools and incident remediation
- Demonstrated ability to think critically and solve problems using structured analytical reasoning
- Excellent verbal, written, and presentation/story-telling skills to influence change
- Proactive, able to work in a fast-paced environment and drive change collaboratively
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Healthcare Strength — Comprehensive medical, dental, and vision plans are paired with mental-health coaching/therapy, EAP access, and wellness programs, with options noted for low or fully covered premiums. Company-paid life and disability insurance further strengthen core protection.
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Parental & Family Support — Up to 12 weeks fully paid parental leave is complemented by fertility/adoption resources, subsidized back-up child/elder care, caregiver leave, and pet insurance. A 2026 program also matches a new federal $1,000 seed for eligible children’s investment accounts.
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Leave & Time Off Breadth — Exempt employees have flexible/unlimited vacation alongside early-release “SoFi Fridays,” while non-exempt employees receive generous vacation and sick time. Paid volunteer time and role-appropriate leave options extend time-away coverage.
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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SoFi Offices
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!
