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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 Product Manager / Lead to own the product charter for Borrow & Operations technology, with a strong focus on our Home Lending business.
A product manager charter defines the product's vision, scope, and business goals. This role uses that charter to lead cross-functional teams in discovering, building, and delivering a solution that operators and members rely on and that drives sustainable business value.
This is a Senior Manager role (M4). It owns one of IT Operations' most complex companywide programs: the application ecosystem that runs Home Lending from origination through underwriting, closing, and servicing. The leader sets direction, prioritizes the roadmap, and is accountable for reliability, control, and operational outcomes across Encompass 360, Blend, NICE inContact, SoFi-developed applications, and the vendor platforms connected to them.
The role leads a growing team of individual contributors who independently administer, configure, integrate, and automate the Home Lending application portfolio. They set the product vision, sequence the work, clear cross-functional blockers, and hold the team to outcomes: less manual work, faster fulfillment, stronger controls, and a platform that scales with Borrow volume.
The ideal candidate combines product judgment with enough technical fluency to partner credibly with application administrators, engineering, risk, compliance, and Home Lending operations. They are comfortable making decisions where the right product shape is not yet defined, and they know when a choice has long-range implications that need leadership alignment.
What You'll Do- Own the product charter for Borrow & Operations technology: vision, scope, success measures, and the business goals the roadmap exists to hit.
- Set and sequence the Home Lending application roadmap across origination, underwriting, document management, eSignature and eVault, bureau and third-party integrations, payments, servicing, regulatory data feeds, and employee lifecycle support.
- Lead a new team focused on the Borrow and Home Lending lines of business. Plan their work, coach them, and make resourcing and priority calls so day-to-day administration, projects, and platform improvements stay in balance.
- Lead cross-functional discovery with Home Lending Operations, Engineering, Product, Risk, Compliance, Security, Identity and Access Management, and vendors. Turn operational friction into scoped problems and delivered solutions.
- Decide what to build, configure, automate, or stop. Assess alternatives, operational risk, regulatory impact, and cost, and shape how IT supports Borrow operations.
- Influence function-level decisions by partnering with senior individual contributors and IT and business leadership. Consult leadership when a choice has long-range implications for the platform, the control environment, or the operating model.
- Hold the team accountable for reliability, security, and auditability of Encompass 360, Blend, NICE inContact, SoFi-developed applications, and related integrations, including SOX and regulatory requests.
- Sponsor automation that removes repeatable manual work in provisioning, configuration, data movement, and fulfillment, and measure whether it reduces cycle time and operational risk.
- Own intake and prioritization so investor, partner, servicer, and new-product onboarding is planned rather than absorbed as unscoped administration.
- Represent the product in operating reviews. Surface risks that could cause significant delays, cost, or resource constraints, and drive mitigation with the stakeholders who can act.
- Establish standards for how the team documents configuration, change, and runbooks so knowledge is not trapped with individuals.
- Develop the two Applications Administrators through clear expectations, feedback, and growth toward independent ownership of complex workflows.
- Bachelor's degree in a related field, or equivalent relevant professional experience.
- Demonstrated experience owning a complex, multi-system product or operations platform in lending, mortgage technology, or another regulated operating environment.
- Experience leading individual contributors, including planning work, coaching, and making priority and resourcing decisions.
- Experience defining a product vision and roadmap and delivering it with engineering, operations, risk, and compliance partners.
- Working knowledge of the mortgage or consumer lending lifecycle and the applications that support it, including origination, disclosures, underwriting, closing, and servicing.
- Enough technical fluency to direct work on configuration, integrations, identity, automation, and change control, and to review the judgment of the administrators who execute it.
- Experience making trade-offs among speed, reliability, control, and cost where a wrong call can affect members, operations, or the control environment.
- Ability to influence peers and senior stakeholders across functions, and to recognize when a decision has long-range implications that need leadership alignment.
- Strong written and verbal communication, including the ability to explain product choices, risk, and operational impact to technical and non-technical leaders.
- A record of improving a live operating platform: fewer manual steps, clearer ownership, stronger controls, and measurable business results.
- Direct experience with Encompass, Blend, or a comparable loan origination system, as a product owner or as the leader of the team that administers it.
- Experience with Optimal Blue, NICE inContact, eVault or eSignature, bureau integrations, or servicing platforms.
- Experience leading SOX, privacy, or regulatory control work for business-critical applications.
- Experience in FinTech, banking, or mortgage operations.
- Familiarity with ServiceNow or a similar system of record for change, incidents, and request fulfillment.
Skills Required
- Bachelor's degree in a related field or equivalent relevant professional experience
- Experience owning a complex, multi-system product or operations platform in lending, mortgage technology, or another regulated operating environment
- Experience leading individual contributors, including planning work, coaching, and making priority and resourcing decisions
- Experience defining product vision and roadmap and delivering with engineering, operations, risk, and compliance partners
- Working knowledge of the mortgage or consumer lending lifecycle and supporting applications, including origination, disclosures, underwriting, closing, and servicing
- Technical fluency in configuration, integrations, identity, automation, and change control
- Experience making trade-offs among speed, reliability, control, and cost in business-critical environments
- Ability to influence peers and senior stakeholders across functions
- Strong written and verbal communication skills
- Record of improving a live operating platform through reduced manual work, clearer ownership, stronger controls, and measurable business results
- Direct experience with Encompass, Blend, or a comparable loan origination system
- Experience with Optimal Blue, NICE inContact, eVault or eSignature, bureau integrations, or servicing platforms
- Experience leading SOX, privacy, or regulatory control work for business-critical applications
- Experience in FinTech, banking, or mortgage operations
- Familiarity with ServiceNow or a similar system of record for change, incidents, and request fulfillment
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Healthcare Strength — Health coverage is described as comprehensive—medical, dental, vision, and mental-health support. Materials also indicate high employer premium contributions on core plans, enhancing overall value.
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Parental & Family Support — Offerings include fully paid parental leave and extensive family benefits such as fertility, adoption resources, parenting support, and backup childcare/eldercare. Paid caregiver leave and related supports are also highlighted.
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Affordable Benefits — Materials indicate the company covers most or all medical premiums on certain plans, helping keep employee premium costs low. HSA/FSA options further support affordability.
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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