The role:

As a Staff Full Stack Engineer, you will serve as a cornerstone of technical leadership, driving the ideation, architectural design, and optimization of enterprise-scale, full-stack ecosystems. We are seeking a visionary with 8+ years of engineering depth and a proven track record of delivering complex, end-to-end solutions. In this role, you will bridge the gap between high-level business strategy and technical execution, championing engineering excellence while serving as a pivotal mentor and subject matter expert to the broader engineering organization.

What you’ll do: 

Engineering & AI Architecture

• Architectural Leadership: Architect and deploy sophisticated, end-to-end applications, leveraging deep expertise in interactive interfaces and complex data integration—including the orchestration of AI-native database functions like Snowflake Cortex.
• Agentic AI Integration: Partner with AI specialists to architect multi-agentic systems, implementing autonomous, stateful workflows designed to solve high-consequence, real-world business challenges.
• Data Orchestration: Design and automate high-performance real-time and batch data pipelines using enterprise orchestration tools such as Apache Airflow, ensuring seamless data liquidity across the stack.

DevOps & Operational Excellence

• Infrastructure as Code (IaC): Standardize deployment lifecycles and cloud infrastructure by implementing GitOps methodologies via ArgoCD, GitLab CI/CD, and AWS best practices.
• Workflow Optimization: Deploy and tune complex business process engines within enterprise frameworks, ensuring maximum reliability, scalability, and observability.

Product Ownership & Strategy

• Technical Decomposition: Lead the translation of ambiguous product requirements into rigorous technical specifications, overseeing the entire execution lifecycle from initial ideation to post-deployment optimization.
• Strategic Collaboration: Act as a technical bridge between Product, Design, and Engineering to deliver member-centric solutions while fostering a culture of continuous learning and growth.

Governance & Innovation

• Technical Stewardship: Drive engineering rigor through comprehensive code and design reviews, serving as a final decision-maker for critical architectural choices and software standards.
• Innovation Advocacy: Maintain a cutting-edge pulse on GenAI, LLM infrastructure, and emerging tooling; proactively translating industry trends into actionable product roadmaps and enhanced technical capabilities.

What you’ll need:

Education & Experience

• Academic Foundation: Bachelor’s or Master’s degree in Computer Science, Engineering, or a strictly related technical discipline.
• Professional Tenure: 8+ years of robust software engineering experience, with a specialized focus on architecting full-stack AI-driven product ecosystems.
• Proven Reliability: A distinguished track record of delivering production-grade, highly available cloud services that operate reliably at enterprise scale.

Technical Mastery

• Full-Stack Command: Advanced proficiency in the React and Node.js ecosystems, with a mastery of seamless front-to-back-end integration for bespoke enterprise applications.
• Data & AI Infrastructure: Extensive hands-on experience with modern database platforms—Snowflake preferred—including the utilization of Snowflake Cortex and advanced AI/ML integration patterns.
• Pipeline Orchestration: Deep expertise in designing and managing complex real-time and scheduled data pipelines using Apache Airflow.
• DevOps & GitOps: Comprehensive experience in Infrastructure as Code (IaC) and environment management, utilizing ArgoCD and GitLab CI/CD to drive automated, resilient deployment strategies.

Leadership & Influence

• Strategic Mentorship: Committed to the growth of the engineering organization through active mentorship, fostering a high-performance culture, and elevating the technical caliber of the team.
• Operational Excellence: A relentless advocate for engineering rigor, consistently challenging the status quo to drive continuous improvement in code quality and architectural standards.
• Cross-Functional Diplomacy: Exceptional communication skills with the ability to bridge technical and non-technical domains, driving consensus and decision-making among diverse stakeholders.
• Organizational Catalyst: A proactive leader who takes end-to-end ownership, champions a culture of innovation, and builds influential partnerships across the broader engineering community.

Nice to have:

• Advanced AI & LLM Implementation: Direct experience deploying and scaling production-level Generative AI solutions, specifically LLM-powered agents or Retrieval-Augmented Generation (RAG) architectures.
• Sector Expertise: Previous background in Fintech or high-throughput consumer-facing environments, with an understanding of the unique security and regulatory nuances involved.
• Cloud Proficiency: Advanced experience with AWS ecosystem services and a broad familiarity with modern cloud-native orchestration platforms.
• Architectural Rigor: A sophisticated understanding of latency, throughput, and scalability trade-offs, with the ability to optimize complex distributed systems for performance.
• Computer Science Depth: Strong conceptual mastery of diverse programming paradigms, including Object-Oriented (OOP) and Functional Programming, to ensure clean, maintainable, and modular codebases.
• Evolving AI Ecosystems: Experience navigating and integrating emerging AI workflow orchestration tools and third-party AI research platforms.

The role:

As a Senior Full Stack Engineer, you will serve as a primary contributor in the development, deployment, and optimization of enterprise-grade, full-stack custom applications at scale. The ideal candidate brings 5+ years of robust engineering experience, a distinguished history of end-to-end delivery, and comprehensive mastery of software design—ranging from intricate user interfaces and business workflows to foundational back-end data architecture. You will collaborate with cross-functional teams to define technical strategy, advocate for engineering excellence, and deliver high-impact solutions directly to our member community.

What you’ll do: 

• Architect, design, and build end-to-end user-facing software applications using rich interactive user-interfaces with your expertise working with information extracted from databases and APIs (including leveraging native database functions such as Snowflake Cortex for advanced AI workloads).
• Manage deployment pipelines and infrastructure as code using ArgoCD, GitLab CI/CD, and AWS best practices.
• Collaborate with the AI engineers on the team to implement multi-agentic AI applications, enabling autonomous, stateful, and collaborative agent workflows for complex, real-world problem solving
• Own technical decompositions of new product requirements; lead delivery from ideation to deployment and continual improvement.
• Deploy, optimize, and monitor complex business process workflows on enterprise frameworks 
• Automate real-time and batch data flows using orchestration tools such as Apache Airflow.
• Participate in code and design reviews, and make technical decisions for design and architecture of software solutions.
• Collaborate with Product, Design, and Engineering to deliver high-impact solutions and foster a growth-mindset environment.
• Stay current with the latest trends in software engineering, GenAI, LLM infrastructure, and the evolving tooling ecosystem; generate ideas to expand product capabilities and technical reach.

What you’ll need:

• Bachelor’s or Master’s degree in Computer Science, Engineering, or a related technical field.
• 5+ years of professional software engineering experience, with a focus on full-stack frameworks and engineering to develop custom product delivery specializing in AI
• Solid devops and infrastructure-as-code experience using ArgoCD and GitLab for deployment, CI/CD, and environment management.
• Advanced proficiency in React, Node.js, and front-end–to–back-end custom app development.
• Extensive hands-on experience with database platforms - Snowflake strongly preferred, including advanced features, AI/ML integrations, and Snowflake Cortex.
• Deep expertise in orchestrating real-time and scheduled pipelines with Airflow.
• Track record of delivering high-quality, production-grade, scalable, and highly available cloud-based services.
• Strong communicator; able to collaborate and drive decision-making with cross-functional stakeholders.
• Willingness to take ownership, and champion learning and innovation within the organization.

Nice to have:

• Exposure to other cloud-native or AI workflow orchestration platforms.
• Experience with AWS
• Prior fintech or high-throughput consumer product experience.
• Experience deploying and scaling LLM-powered chatbots or retrieval-augmented generation (RAG) platforms.

The role:

SoFi’s Staff AI Engineer is a highly experienced, hands-on individual contributor within SoFi’s growing independent risk organization, focused on owning the design, development, and evolution of agentic AI systems to solve real-world, high-impact problems.

This role will be instrumental in architecting, building, and scaling AI systems that enhance risk management and internal workflows, with a focus on creating reliable, reusable, and production-grade solutions.

This role operates at the intersection of the intelligence layer, including LLMs, agents, and orchestration, and the experience layer, which defines how users interact with and derive value from AI systems. You will shape how these systems are designed and integrated into critical workflows, ensuring they are intuitive, reliable, and effective in high-stakes risk environments.

You will work closely with the Senior Manager of AI Engineering as well as business stakeholders, to translate complex, ambiguous problems into scalable, production-grade AI systems with measurable impact.

What you’ll do: 

• Architect and Develop Agentic AI Systems: Lead the design and development of AI systems that leverage multi-step reasoning, tool use, and structured workflows, using frameworks such as LangGraph or similar approaches. Incorporate planning, memory, tool integration, and adaptive control flow to enable automated decisioning, risk insights, and internal platforms.
• Design the Experience Layer: Define how users interact with AI systems by designing workflows, interfaces, and feedback loops that drive adoption, usability, and trust. THis will involve close coordination with users / stakeholders. Ensure alignment between system behavior and user expectations.
• Context Engineering and System Design: Define and implement approaches for structuring inputs, outputs, and system context to improve reliability and performance of LLM systems, including prompt design, retrieval strategies, and workflow composition.
• Productionize AI Systems: Develop production-grade services and APIs, integrate agents into real systems, and ensure scalability, reliability, and maintainability.
• AI Observability and Evaluation: Build tracing, debugging, and evaluation frameworks to understand system behavior and continuously improve agent performance.
• Cross-Functional Collaboration: Partner with risk, engineering, and business teams to translate ambiguous problems into working AI systems and deliver measurable outcomes.
• Proof of Concepts and Innovation: Innovation and Prototyping: Identify high-impact opportunities to apply AI, rapidly prototype solutions, and evaluate emerging tools and approaches to inform long-term system design aligned with latest trends in AI.

What you’ll need:

• Bachelor’s or Master’s degree in Computer Science, Data Science, Artificial Intelligence, Machine Learning, or a related field.
• 7+ years of software engineering experience, with significant experience building and scaling AI-powered systems in production.
• Strong experience working with LLMs and building applications using prompting, APIs, and/or agent frameworks.
• Experience designing and implementing agentic systems, including patterns such as tool use, multi-step reasoning, and workflow orchestration.
• Deep experience in context engineering for LLM systems, including structuring inputs and outputs, prompt design, and retrieval-based approaches.
• Strong backend engineering experience, including building scalable services and APIs (Python preferred).
• Experience designing systems on cloud platforms such as AWS, Azure, or GCP, with an understanding of modern development and deployment practices.
• Experience working with structured and unstructured data, including building pipelines to support downstream AI applications.
• Experience defining and implementing evaluation frameworks for AI systems, including metrics, experimentation, and performance iteration.
• Strong system design skills, with the ability to architect scalable, reliable solutions.
• Ability to operate effectively in ambiguous problem spaces and translate them into well-defined systems.
• Strong communication and collaboration skills, with the ability to work cross-functionally and influence technical decisions.
• Demonstrated ownership mindset, with a track record of delivering high-impact systems end-to-end.

Nice to have:

• Experience designing and building user-facing workflows or internal tools powered by AI.
• Familiarity with observability and evaluation tools for AI systems such as Langfuse, LangSmith, or similar.
• Experience working in financial services or building systems for risk-related use cases.
• Experience with frontend technologies such as React for building AI-powered interfaces.
• Experience contributing to shared platforms, libraries, or internal tooling that enable reuse across teams.
• Experience building systems that require explainability, auditability, or operate in regulated environments.

The role:

SoFi’s Third Party Risk Management (TPRM) team is responsible for establishing the TPRM program framework and overseeing third-party relationships in alignment with the company’s risk appetite. The team manages risk, ensures compliance with regulatory guidance, and supports risk-informed business decision-making across the organization.

The Enterprise TPRM Systems and Data Analytics Manager provides dedicated ownership of SoFi’s enterprise TPRM platforms and supporting tools. This role is responsible for driving platform effectiveness, advancing operational efficiency where feasible, enabling robust risk-based data architecture, and deriving actionable risk intelligence from raw data. The role also ensures that insights are delivered in a timely and reliable manner to decision-makers across the organization, directly supporting SoFi’s mission of helping members “get their money right” through the safe, compliant, and scalable delivery of financial products and services.

What you’ll do: 

• Perform day-to-day system administration of the enterprise TPRM system of record and supporting platforms, including configuration, maintenance, user access management, internal support, and continuous improvement initiatives.
• Develop and refine workflows within TPRM platforms to ensure consistent effectiveness while improving operational efficiency in support of business needs.
• Design, build, and deliver data analytics reports and management dashboards using TPRM platforms in conjunction with Snowflake, Alteryx, and/or Tableau to provide timely, actionable insights.
• Develop and maintain risk-based data architecture across TPRM platforms to maximize data integrity, usability, and insight generation.
• Derive and distribute actionable risk intelligence from platform data to inform risk-based decision-making across the organization.
• Lead process design and optimization initiatives, including the application of AI where appropriate, to enhance TPRM system capabilities and program outcomes.
• Provide ongoing platform support, user training, and process enablement to promote effective adoption and utilization by cross-functional stakeholders.
• Proactively monitor platform performance and data outputs to identify enhancement opportunities and deliver measurable improvements in efficiency, insight quality, and overall TPRM program effectiveness, aligned with business needs, industry best practices, and SoFi’s risk appetite.

What you’ll need:

• Bachelor’s degree
• 5+ years of experience in Third Party Risk Management, Operational Risk, or related risk disciplines within financial services, with familiarity across first and second lines of defense
• Demonstrated experience administering and optimizing TPRM or GRC platforms, including configuration, workflow design, user access management, data integrity, and issue resolution
• Strong experience designing and managing data structures and pipelines that support risk analytics, reporting, and decision-making
• Strong data analytics and visualization skills, with proficiency in SQL and experience with tools such as Alteryx, Tableau, or similar platforms
• Familiarity with financial services regulatory expectations related to third-party risk (e.g., Interagency Guidance, FFIEC, OCC, FDIC)
• Ability to provide consultative insight and guidance on TPRM processes in alignment with business strategy and risk appetite
• Strong communication and collaboration skills, with the ability to train and support cross-functional stakeholders

Nice to have:

• Master’s degree in risk management, data analytics, information systems, or a related field
• Professional certifications such as Certified Third Party Risk Professional (CTPRP), CRVPM, CRISC, CISA, CISSP, or ServiceNow GRC/TPRM certifications
• Hands-on experience with ServiceNow TPRM/GRC, Venminder, or other enterprise TPRM/GRC platforms
• Demonstrated involvement in platform implementations, migrations, or major system upgrades or transformations
• Proficiency in additional analytics or scripting tools (e.g., Python, Power BI, advanced SQL techniques)
• Familiarity with process improvement methodologies (Lean, Six Sigma, ITIL, Agile) applied in a risk or technology environment
• Experience operating in a high-growth fintech or technology-driven financial services organization

The Role: 

This role plays a key role in contributing, developing, and maturing an industry-best Credit Risk Management organization across SoFi Technologies, Inc. The incumbent will architect comprehensive risk management capabilities for a rapidly growing bank holding company – ensuring robust defensive and offensive capabilities – maturing foundational risk identification/risk mitigation, risk management frameworks, and risk culture.  The contributor will play an essential role in fostering regulatory readiness and maturing a strong effective challenge second-line Credit Risk function.    

The Credit Risk Oversight (2LOD) Senior 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 lending products - Unsecured, Secured and Commercial Lending.   The analyst will conduct credit/behavioral/financial analytics or predictive modeling to assess risks and opportunities for the bank portfolios and translate results into recommendations.

The 2LOD Senior Risk Analyst will leverage internal and external data sources and technology capabilities in support of the oversight function.  Perform analysis to research credit and consumer behavior trends, understand their drivers, and conduct impact assessments on consumer credit portfolios. Evaluate how changes in the  environment impact credit performance – with a particular focus on macroeconomic, socioeconomic, and competitive intelligence trends. Research topics sourced internal and general industry trends and proactively apply quantitative disciplines to associate topics with potential emerging risks around delinquency, loss and roll-rates, and forecasts. 

What you’ll do: 

• Provide analytical support for data-driven insight generation through a combination of Credit domain expertise and analytical thought processes

• Generate insights, design analytics, and deliver visualizations to influence strategic decisions

• Monitor operational performance, roll rates, delinquent inventory, and credit loss trends.  Perform diagnostic analyses on all aspects of credit policies to make sure strategies are fully optimized.  Effectively communicate these trends to management

• Help review KPI/KRIs to ascertain the state of Credit Risk and evaluate the effectiveness of current policies and procedures

• Build compelling data visualizations and distill key information clearly

What you’ll need:

• 8+ years of Credit Risk Analytics industry experience with a bachelor’s degree in a quantitative discipline; Master’s Degree preferred

• Industry knowledge, including a sound understanding of relevant regulations as they apply to lending

• Proactive go-getter with energy and passion to work in a fast-paced environment and ability to generate creative ideas

• 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

• Strong analytical and problem-solving skills to evaluate workflows and procedures; identify and resolve problems in a timely manner; develop alternative solutions; work well in group problem-solving situations; use reason even when dealing with emotional topics; support SoFi’s overarching strategic goals relative to loss prevention

The Role: 

This role plays a key role in contributing, developing, and maturing an industry-best Credit Risk Management organization across SoFi Technologies, Inc. The incumbent will architect comprehensive risk management capabilities for a rapidly growing bank holding company – ensuring robust defensive and offensive capabilities – maturing foundational risk identification/risk mitigation, risk management frameworks, and risk culture.  The contributor will play an essential role in fostering regulatory readiness and maturing a strong effective challenge second-line Credit Risk function.    

The Credit Risk Oversight (2LOD) Senior 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 lending products - Unsecured, Secured and Commercial Lending.   The analyst will conduct credit/behavioral/financial analytics or predictive modeling to assess risks and opportunities for the bank portfolios and translate results into recommendations.

The 2LOD Senior Risk Analyst will leverage internal and external data sources and technology capabilities in support of the oversight function.  Perform analysis to research credit and consumer behavior trends, understand their drivers, and conduct impact assessments on consumer credit portfolios. Evaluate how changes in the  environment impact credit performance – with a particular focus on macroeconomic, socioeconomic, and competitive intelligence trends. Research topics sourced internal and general industry trends and proactively apply quantitative disciplines to associate topics with potential emerging risks around delinquency, loss and roll-rates, and forecasts. 

What you’ll do: 

• Provide analytical support for data-driven insight generation through a combination of Credit domain expertise and analytical thought processes

• Generate insights, design analytics, and deliver visualizations to influence strategic decisions

• Monitor operational performance, roll rates, delinquent inventory, and credit loss trends.  Perform diagnostic analyses on all aspects of credit policies to make sure strategies are fully optimized.  Effectively communicate these trends to management

• Help review KPI/KRIs to ascertain the state of Credit Risk and evaluate the effectiveness of current policies and procedures

• Build compelling data visualizations and distill key information clearly

What you’ll need:

• 12+ years of Credit Risk Analytics industry experience with a bachelor’s degree in a quantitative discipline; Master’s Degree preferred

• Industry knowledge, including a sound understanding of relevant regulations as they apply to lending

• Proactive go-getter with energy and passion to work in a fast-paced environment and ability to generate creative ideas

• 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

• Strong analytical and problem-solving skills to evaluate workflows and procedures; identify and resolve problems in a timely manner; develop alternative solutions; work well in group problem-solving situations; use reason even when dealing with emotional topics; support SoFi’s overarching strategic goals relative to loss prevention

The role:

SoFi is looking for a Senior Manager, Data Engineering to join our IRM Analytics team. This is a hands-on leadership role (50% individual contributor, 50% people manager) for a seasoned data engineering leader with deep roots in US banking and financial risk data.

You will own the data models, data pipelines, and data infrastructure that underpin our risk and AI applications - spanning critical domains like lending, credit, fraud, AML, and compliance. You will lead a focussed team of data engineers, set technical direction, and be an integral contributor to every data and AI initiative we build.

This role is for someone who has spent most of their career inside US banks and understands not just the technology, but the data - the domains, the regulatory context, the critical datasets, and why they matter.

What you’ll do: 

• Own the data model - design, build, and maintain integrated data models for lending, credit, fraud, AML, KYC, and related risk domains; ensure models reflect banking semantics and regulatory requirements
• Own the data pipeline and infrastructure - architect and manage end-to-end data pipelines using dbt, Airflow, Snowflake, MongoDB, and Terraform; ensure reliability, performance, and scalability
• Lead data and AI projects - serve as the data engineering anchor for all data and AI initiatives; partner with full stack engineers, AI/ML engineers, and product managers to deliver production-grade applications; own the data infrastructure for AI use cases including RAG pipeline data management and evaluation dataset / ground truth curation
• Lead a team of data engineers - manage and develop the team; set standards for code quality, code review, testing, documentation, and CI/CD practices for data pipelines
• Drive data quality and governance - establish data definitions, lineage, and quality standards aligned to regulatory expectations (BCBS 239, SR 11-7, etc.); implement data observability practices including dbt tests, data contracts, freshness SLAs, and anomaly detection to ensure reliability across all pipelines
• Stay 50% hands-on - write and review production code, own critical pipelines, and lead by example

What you’ll need:

• 15+ years of experience in data engineering, with the majority of that tenure inside US banks or financial institutions
• Deep knowledge of banking risk data domains - lending, credit risk, deposits, AML, KYC, fraud, banking regulations, and the critical datasets that support them
• Expert-level Snowflake, dbt, and Python - proven ability to design and own complex analytical data models; Python fluency for Airflow DAGs, pipeline logic, and data quality scripting
• Strong pipeline and infrastructure skills - hands-on experience with Airflow, MongoDB, and Terraform in production environments
• People leadership - experience managing and mentoring data engineers; strong code review culture
• Banking regulatory awareness - familiarity with BCBS 239, BSA/AML regulations, OCC/Fed/FDIC data expectations
• Communication - able to translate complex data concepts for risk, compliance, and executive stakeholders

Nice to have:

• Experience at a US bank in Model Risk, Integrated Risk, ERM, or Compliance Analytics
• Familiarity with GRC platforms (ServiceNow) and risk data warehouses
• Experience with LLM/AI application data pipelines and observability tooling

The role:

The SoFi Credit Oversight team is responsible for managing credit risk across all lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage). This includes developing credit strategies and policies for new account origination, portfolio management, collections, and recovery operations, as well as providing oversight of operational controls.

The Director is responsible for overseeing credit risk activities for Student Lending (Student Loan Refinance & Private InSchool products) and will review and challenge strategy proposals to ensure growth is consistent with the company’s risk appetite. The role demands a strong analytical mindset, critical thinking skills, and a self-starting approach.

Key responsibilities include:

• Proactive Monitoring and Strategy Enhancement: Proactively engage with First Line partners, independently monitor strategies and performance, and leverage business acumen, credit experience, and quantitative skills to deliver data-informed insights and recommendations for strategy enhancement opportunities.

• Governance and Operational Controls: Lead the governance and oversight of operational controls supporting credit strategy changes, ensuring strong change management, data integrity, and strict adherence to risk and compliance standards across all lending portfolios.

• Risk and Control Self-Assessments (RCSA): Challenge and strengthen first line RCSA processes by providing effective second line oversight, identifying control gaps, and driving remediation to enhance the overall control environment.  Cross-Functional Partnership: Partner cross-functionally with Credit, Operations, and Risk teams to enhance control design, monitoring, and sustainable risk management practices.

The ideal candidate will possess a data-driven analytics background, strategic acumen, and a controls mindset. This expertise will support SoFi’s overarching strategic goals for loss prevention and profit optimization. Furthermore, the Director is expected to drive innovation by introducing new ways of thinking, data sources, technologies, and capabilities to SoFi.

What you’ll do:

• Innovate… Bring your brightest ideas to independently review and challenge algorithmic risk strategies, including but not limited to credit underwriting, pre-screen targeting & risk tier assignment. 

• Data Driven… Your deep analysis will power insight-gathering

• Iterate, learn, innovate… We are all responsible for innovation and must embrace a test-and-learn mentality and data-driven decision making.

• Collaborate… Work collaboratively with business partners to ensure optimal decision making to protect the Bank

• Control the Risk and Drive Performance Outcomes … Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue. Independently monitor the performance of strategies and portfolios. Document and communicate results and escalate issues as necessary. Identify gaps/opportunities and drive actions.

• Challenge the Status Quo … Challenge others, continuously raise the bar, build better processes and attack hard problems to help First Line Credit team and the business build responsible strategies within risk appetite

What you’ll need:

• 10+ years of related experience

• Business acumen and work experience in the consumer lending business (Student Lending - preferred, Unsecured loans or credit cards)

• Direct experience in the credit strategy analytical life cycle, including strategy and decision tree development, P&L, presentation, review and challenge, and post-implementation monitoring

• Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes, bureau analytical sandboxes and other 3rd party variables to solve business problems

• Proficient data exploration and credit modeling skills in Excel, SQL and Python

• A demonstrated ability to synthesize and communicate analysis to business partners and senior management

• Proactive, results-driven, eager to learn, and able to work collaboratively in a fluid environment

• Knowledge/skills in analytical and modeling techniques such as decision trees, regression, logistic regression, test design

• Preferred: Experience in developing credit strategies using innovative data sources such as cash flow or alternative data

• Preferred: Advanced degree (Master’s or PhD) with a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science

The role
SoFi is seeking an energetic, analytic, and intellectually curious Independent Assessment & Review Analyst to join our Fraud Risk team. This role - as part of the 2nd Line of Defense - will conduct assessments of the fraud program design and operational effectiveness, evaluating prevention, detection, and response capabilities, including processes, tools, skills and staffing. Additionally, the person in this role will look to ensure alignment with industry best practices and compliance with regulatory standards as well as identifying exposure to fraud across business units, products, and channels making sure vulnerabilities are recognized and understood. The ideal candidate will have experience in risk management and/or analytic strategy and will be an agile learner, think strategically, and possess strong communication and problem-solving skills.
By joining SoFi, you'll become part of a forward-thinking company that is transforming financial services for the better. We offer the excitement of a rapidly growing startup with the stability of an industry leading leadership team.

What you’ll do:
·  Conduct fraud 1st line program assessments, in part querying against large relational databases
·  Improve fraud program resilience by delivering data-driven actionable feedback and recommendations
·  Monitor the implementation of recommended improvements and the ongoing evolution of the program to meet dynamic fraud landscapes and regulatory changes
·  Record discrepancies between existing controls and the level of risk protection required, highlighting areas where enhancements are needed
·  Assess the impact of new products and initiatives to the fraud risk appetite, conducting reviews and providing effective challenge
·  Review and assess fraud forecasts and forecasting methodologies, providing strategic insights and recommendations to further enhance accuracy

What you’ll need:
·  Bachelor’s degree with 2+ years experience in risk management or analytic strategy within the financial services industry preferred
·  Exceptional interpersonal, verbal and written communication skills
·  Strong collaboration, organizational skills, and attention to detail
·  Must be self-motivated with the ability to work independently or within a group
·  Intellectually curious. You adapt to change, embrace bold ideas, ask questions, test assumptions, and challenge conventional thinking
·  Strong analytical and problem-solving skills, with the ability to analyze complex issues, develop innovative solutions, and make data-driven decisions
·  Proficiency in data analysis and deriving meaningful insights for decision-making
·  Ability to work under tight deadlines
·  Ability to manage multiple initiatives and competing priorities, meet deadlines, and adapt to change
·  Proficiency with Google Suite and/or Microsoft Office products
·  Strong team player

The role:

The Operational Risk Challenge & Advisory Senior Analyst is a Second Line of Defense (2LOD) role responsible for providing credible challenges in accordance with SoFi’s Operational Risk Credible Challenge Standard. Thisrole moves beyond traditional oversight, acting as both a challenger and a strategic advisory partner. You will apply a deep understanding of operational risk to provide informed, independent, and constructive feedback of SoFi’s risk-taking activities, ensuring they align with the Company’s risk appetite and regulatory expectations. This is a unique opportunity to expand the Senior Analyst’s footprint and take on increased responsibility within a critical second line of defense (2LOD) function. The senior analyst will work independently with minimal supervision, using data and a risk-based approach to get to the truth. They'll run after and solve complex problems, helping to proactively address emerging risks and influence strategic decisions.

What you'll do:

• Lead and support a diverse set of 2LOD credible challenge activities, including Targeted Reviews, Operational Risk Issue Validations, Risk andControl Self-Assessment (RCSA) reviews, and New Activity Reviews
• Serve as a strategic partner to the business, providing consultation on risk mitigation strategies and offering independent insights into emerging risks and new business initiatives
• Proactively identify and communicate potential risks to management to gain alignment and ensure effective mitigation
• Assist in the continuous improvement of operational risk methodologies and practices, including the development of new approaches
• Collaborate with cross-functional partners to drive decisions and progress toward shared goals
• Maintain awareness of current regulatory/industry trends impacting the operational risk management program
• Maintain familiarity of, and technical expertise with, business unit(s) organizational structure, personnel, activities and products, new product development, financial performance, and risk and problem areas

What you'll need:

• Bachelor's degree
• 5+ years of relevant operational risk credible challenge, regulatory, examination or Internal Audit experience
• Understanding of control frameworks, testing methodologies, and risk assessments
• Proven ability to work independently with minimal oversight and manage multiple priorities in a fast-paced environment
• Excellent analytical and problem-solving skills with a track record of resolving the root causes of complex issues
• Highly effective interpersonal and communication skills with the ability to build trust and influence stakeholders
• Understanding of risk governance and the second line of defense processes used to review and challenge front line business unit risk management processes
• Familiarity with regulatory requirements and industry best practices
• Experience in banking and/or fintech industry, including regulatory experience
• Data visualization skills

Nice to have:

• Tableau data visualization and analysis
• Experience working in Google Docs, Sheets and Slides
• Advanced degree; relevant industry certifications, for example, CPA, CCRM, ACAMS; Certified Internal Auditor (CIA); ability to drive innovation, new practices; experience interacting with regulators (Federal Reserve, OCC, CFPB)
• Multi-lingual (Spanish)

The role

SoFi is seeking an energetic, analytic, and intellectually curious Manager, Fraud Risk Oversight & Analytics  to join our Fraud Risk team. This role - as part of the 2nd Line of Defense - will conduct assessments of the fraud program design and operational effectiveness, evaluating prevention, detection, and response capabilities, including processes, tools, skills and staffing. Additionally, the person in this role will look to ensure alignment with industry best practices and compliance with regulatory standards as well as identifying exposure to fraud across business units, products, and channels making sure vulnerabilities are recognized and understood. The ideal candidate will have experience in risk management and analytic strategy and will be an agile learner, think strategically, and possess strong communication and problem-solving skills.

By joining SoFi, you'll become part of a forward-thinking company that is transforming financial services for the better. We offer the excitement of a rapidly growing startup with the stability of an industry leading leadership team.

What you’ll do:

• Develop fraud 1st line program assessment methodology and approach
• Improve fraud program resilience by delivering data-driven actionable feedback and recommendations
• Monitor the implementation of recommended improvements and the ongoing evolution of the program to meet dynamic fraud landscapes and regulatory changes
• Record discrepancies between existing controls and the level of risk protection required, highlighting areas where enhancements are needed
• Assess the impact of new products and initiatives to the fraud risk appetite, conducting reviews and providing effective challenge
• Confirm that regulatory compliance considerations are fully integrated into the fraud risk framework
• Develop fraud standards and fraud risk questions to be leveraged by Supplier Risk Management for vendor assessments
• Review and assess fraud forecasts and forecasting methodologies, providing strategic insights and recommendations to further enhance accuracy

What you’ll need:

• Bachelor’s degree with 8+ years experience in risk management and analytic strategy within the financial services industry preferred
• Knowledge of banking products, processes and regulations
• Expertise in navigating and mapping unfamiliar data environments using SQL to extract insights from complex, large-scale datasets.
• Exceptional interpersonal, verbal and written communication skills
• Strong leadership, collaboration, influencing and organizational skills with attention to detail
• Must be self-motivated with the ability to work independently or within a group under minimal daily direction.
• Intellectually curious. You adapt to change, embrace bold ideas, ask questions, test assumptions, and challenge conventional thinking
• Strong analytical and problem-solving skills, with the ability to analyze complex issues, develop innovative solutions, and make data-driven decisions
• Experience leading and managing meetings with cross functional teams, effectively and efficiently communicating and driving engagement.
• Proficiency in data analysis and deriving meaningful insights for decision-making
• Demonstrated ability to collaborate with multidisciplinary teams, take ownership of deliverables, and drive assigned tasks to completion, in a timely manner.
• Experience with regulatory compliance and corporate governance standards
• Ability to work under tight deadlines
• Ability to manage multiple initiatives and competing priorities, meet deadlines, and adapt to change
• Proficiency with Google Suite and/or Microsoft Office products
• Strong team player

The role
SoFi is seeking an energetic, analytic, and intellectually curious Independent Assessment & Review Analyst to join our Fraud Risk team. This role - as part of the 2nd Line of Defense - will conduct assessments of the fraud program design and operational effectiveness, evaluating prevention, detection, and response capabilities, including processes, tools, skills and staffing. Additionally, the person in this role will look to ensure alignment with industry best practices and compliance with regulatory standards as well as identifying exposure to fraud across business units, products, and channels making sure vulnerabilities are recognized and understood. The ideal candidate will have experience in risk management and/or analytic strategy and will be an agile learner, think strategically, and possess strong communication and problem-solving skills.
By joining SoFi, you'll become part of a forward-thinking company that is transforming financial services for the better. We offer the excitement of a rapidly growing startup with the stability of an industry leading leadership team.

What you’ll do:
·  Conduct fraud 1st line program assessments, in part querying against large relational databases
·  Improve fraud program resilience by delivering data-driven actionable feedback and recommendations
·  Monitor the implementation of recommended improvements and the ongoing evolution of the program to meet dynamic fraud landscapes and regulatory changes
·  Record discrepancies between existing controls and the level of risk protection required, highlighting areas where enhancements are needed
·  Assess the impact of new products and initiatives to the fraud risk appetite, conducting reviews and providing effective challenge
·  Review and assess fraud forecasts and forecasting methodologies, providing strategic insights and recommendations to further enhance accuracy

What you’ll need:
·  Bachelor’s degree with 2+ years experience in risk management or analytic strategy within the financial services industry preferred
·  Exceptional interpersonal, verbal and written communication skills
·  Strong collaboration, organizational skills, and attention to detail
·  Must be self-motivated with the ability to work independently or within a group
·  Intellectually curious. You adapt to change, embrace bold ideas, ask questions, test assumptions, and challenge conventional thinking
·  Strong analytical and problem-solving skills, the ability to analyze complex issues, develop innovative solutions, and make data-driven decisions
·  Proficiency in data analysis and deriving meaningful insights for decision-making
·  Ability to work under tight deadlines
·  Ability to manage multiple initiatives and competing priorities, meet deadlines, and adapt to change
·  Proficiency with Google Suite and/or Microsoft Office products
·  Strong team player

The Role:

This role is part of the Enterprise Risk Management (ERM) team within Independent Risk Management (IRM).  Its primary responsibilities include being the central role in fulfilling the position of a Business Unit Risk Officer as well as setting requirements for the company-wide framework to assess New Products and Change Initiatives.  This includes development and ongoing governance of risk management practices for products offered internationally. 

What you’ll do: 

• Serve as the first point of contact and escalation path for risk matters within the assigned businesses.
• Advise business leadership on risk implications of strategic initiatives, product changes, market entry/exit decisions, and operational transformations.
• Lead IRM deal teams in partnership with the Business Compliance Officer, and coordinate inputs from functional risk leads to produce a holistic IRM point of view.
• Influence and challenge senior management constructively, ensuring balanced risk/reward decisions.
• Establish and oversee policy requirements for the assessment of new, modified and expanded products as well as business change initiatives.
• Provide second-line oversight of the end-to-end product lifecycle to ensure alignment with the bank’s risk appetite, regulatory expectations, and strategic objectives.
• Define minimum risk management standards for new, modified, or expanded products across all risk types (credit, market, liquidity, operational, compliance, etc.).
• Architect the ongoing IRM operating model for products globally, establishing the governance structures, policies, and monitoring standards necessary to identify, measure, manage, and escalate risk across risk categories.
• Establish clear new product approval thresholds, documentation standards, and escalation protocols.
• Set expectations for post-launch product review and performance monitoring.
• Serve as the central IRM lead partnering across IRM in developing ongoing international risk management requirements and country-level risk governance structures, including risk appetite, limits, policies, and reporting.
• Adapt the ERM framework to local regulatory and risk environments while maintaining global consistency.

What you’ll need:

• Bachelor’s degree in Finance, Economics, Business Administration, Risk Management, or related field.
• 12+ years of experience in risk management within financial services, with exposure to multiple risk disciplines, including experience operating under globally recognized regulatory regimes.
• Demonstrated experience building Independent Risk Management practices, implementing risk frameworks, or overseeing risk governance across multiple regions.
• Strong understanding of principles across risk categories including credit, operational, market, and financial-crime risk.
• Proven experience in a leadership or senior advisory role with accountability for risk oversight at a business-line level.
• Strong understanding of banking products, services, and regulatory requirements.
• Demonstrated ability to operate effectively in a matrixed environment, collaborating across multiple functions and geographies.
• Strategic Risk Thinking – Ability to synthesize complex and cross-disciplinary risk information into clear, actionable insights.
• Influence & Collaboration – Builds trust and drives alignment across multiple stakeholder groups in a matrix structure.
• Challenge & Oversight – Constructively challenges assumptions, decisions, and risk-taking behaviors while remaining solution-oriented.
• Execution & Accountability – Drives risk programs to completion, ensuring tangible business outcomes.
• Communication Excellence – Communicates risk issues and recommendations effectively at all organizational levels.

Nice to have:

• Master’s degree (MBA, MS Risk Management, or related discipline).
• Professional certifications such as FRM, PRM, CFA, or CRCM.
• Experience interfacing with regulators and external auditors.