SoFi is seeking a Manager to join our Capital Markets team. In this role, you will be the structuring point person working with a cross-functional internal team of capital markets, treasury, investor relations, legal and IT team members together with external constituencies including broker-dealers, investors and rating agencies to establish the most efficient structures for proposed Capital Markets’ transactions.

What you’ll do:

• Manage the structuring process for all Securitizations and Loan Sales, including Intex file set up and iteration and Cash Flow model analysis. 
• Analyze and understand the economic impact of using different avenues of funding available through the capital markets (execution related to ABS transactions, whole loan sales, warehouse financing, and bulk sales).
• Validate and utilize third-party valuation agent credit assumptions and analytics to run internal analyses related to fair market value of SoFi’s managed pool of loans.
• Monitor dashboards and spreadsheets that track ongoing performance of our securitizations and other transactions.
• In partnership with internal and external counsel, review and negotiate transactional terms through to execution.
• Collaborate and provide strategic support to internal stakeholders such as credit, legal, engineering, product, treasury, accounting, servicing and finance.
• Assist with the content preparation, communication, correspondence, and due diligence processes for external stakeholders including investors, lenders, rating agencies, data systems providers, law firms, trustees, custodians, and accounting firms.
• Other ad hoc support as needed requested relating to whole loan sales, asset backed securitizations, new products, securities financing, unsecured lines of credit, and any other future financing initiatives of the company.

What you’ll need:

• 8+ years of relevant experience desired, primarily in capital markets and ABS execution
• BS/BA in business, finance, accounting, economics or similar technical field
• Excellent work ethic and willingness to contribute broadly to achieve team and company objectives   
• Strong verbal and written communication as well as technical and organizational skills
• Strong analytical skills with attention to detail and deep knowledge of Intex Dealmaker and Bloomberg
• Clear understanding of Rating Agency criteria and how they translate into transactional structures
• Strong ability to read and interpret financial contracts and knowledge of core documents and industry standard/best practices in transactional terms
• High level of proficiency with Microsoft Office suite (particularly in Excel, PowerPoint)
• Previous experience with lending or consumer credit products a plus: mortgages, student loans, credit cards, personal loans, etc.
• Previous experience with asset-backed securitization data sets a plus:  Bloomberg, Intex, DV01, etc.

The role

As a Project Manager within our Capital Markets team, you will be the connective tissue that drives our most critical initiatives from conception to execution. This is a high-visibility, manager-level role designed for a strategic operator who excels at navigating complex financial landscapes and cross-functional environments. You will be responsible for orchestrating large-scale projects that involve internal and external stakeholders.

The ideal candidate is a self-driven leader who doesn’t just track tasks, but takes full ownership of the project lifecycle. You are someone who can synthesize high-level strategic concepts into actionable project plans, ensuring that no detail is missed and every deadline is met. If you are a master of documentation, an expert communicator, and thrive in a fast-paced environment where accountability is paramount, this role is for you.

What you’ll do:

• Support the end-to-end planning and execution of large-scale Capital Markets projects, ensuring all workstreams are aligned with broader business objectives and organizational goals.
• Provide comprehensive project management support to the Capital Markets team, acting as a key coordinator for project workflows, facilitating seamless collaboration and proactively resolving bottlenecks across departments.
• Synthesize high-level strategic concepts and complex financial data into cohesive project frameworks, actionable roadmaps, and execution strategies.
• Maintain rigorous project documentation and governance standards, including the creation of detailed meeting minutes, project charters, decision logs, and status reports.
• Develop and manage comprehensive project timelines and schedules, holding all stakeholders accountable to critical deliverables and milestones.
• Design high-quality presentation decks and visual materials to communicate progress, educate stakeholders on new initiatives, and present findings to senior leadership.
• Drive departmental efficiency by identifying opportunities to optimize workflows and implementing standardized project management toolkits and best practices.
• Take full ownership and leadership of project outcomes, anticipating potential risks and developing robust mitigation plans to ensure deadlines are consistently met.

What you’ll need:

• 5-8 years of experience in project management or operations, preferably within Capital Markets, Investment Banking, or a high-growth Fintech environment.
• Proven track record of successfully leading multi-stakeholder initiatives and managing large-scale projects from ideation through to completion.
• Strong strategic thinking skills with the ability to "connect the dots" across multiple complex concepts while maintaining an extreme attention to detail.
• Exceptional verbal and written communication skills, with a demonstrated ability to distill technical information into clear, educational, and persuasive content.
• Advanced proficiency in project management tools (e.g., Asana, Jira, Monday.com) and G-Suite/Microsoft Office, with expert-level skills in building professional presentation materials.
• A self-driven work ethic and a "no task too small" attitude, paired with the leadership presence required to drive accountability across diverse teams.
• Mastery of organization and scheduling, with a disciplined approach to managing calendars, documentation, and digital filing systems.
• Resilience and the ability to work effectively under pressure, managing tight timelines and shifting priorities without compromising on quality or accuracy.
• Bachelor’s degree in Finance, Economics, Business Administration, or a related field; PMP or similar project management certification is preferred.

The role:

SoFi is seeking a Transactions Manager to join our Capital Markets team. In this role, you will be the point person working with a cross-functional internal team of capital markets, treasury, investor relations, legal and IT team members together with external constituencies including broker-dealers, investors and rating agencies to execute Capital Markets’ transactions.

What you’ll do:

• Manage the broadly syndicated asset-backed securitization transaction program across SoFi Products, including (but not limited to) selecting and optimizing loan pools, optimization of structures, preparing and reviewing marketing materials, managing internal reporting needs,coordinating with multiple counterparts, and additional quantitative and qualitative analyses and content delivery for a variety of audiences.
• In partnership with internal and external counsel, review and negotiate transactional terms through to execution.
• Collaborate and provide strategic support to internal stakeholders such as credit, legal, engineering, product, treasury, accounting, servicing and finance.
• Assist with the content preparation, communication, correspondence, and due diligence processes for external stakeholders including investors, lenders, rating agencies, data systems providers, law firms, trustees, custodians, and accounting firms.
• Other ad hoc support as needed requested relating to whole loan sales, asset backed securitizations, new products, securities financing, unsecured lines of credit, and any other future financing initiatives of the company.

What you’ll need:

• 8+ years of relevant experience desired, primarily in capital markets and ABS execution
• Experience with retail tokenization, a plus
• BS/BA in business, finance, accounting, economics or similar technical field
• Excellent work ethic and willingness to contribute broadly to achieve team and company objectives   
• Strong verbal and written communication as well as technical and organizational skills
• Strong analytical skills with attention to detail
• Strong ability to read and interpret financial contracts and knowledge of core documents and industry standard/best practices in transactional terms
• High level of proficiency with Microsoft Office suite (particularly in Excel, PowerPoint)
• Previous experience with lending or consumer credit products a plus: mortgages, student loans, credit cards, personal loans, etc.
• Previous experience with asset-backed securitization data sets a plus:  Bloomberg, Intex, DV01, etc.

SoFi is seeking an Associate to join our Capital Markets team. In this role, you will be deeply involved in a broad range of business and capital markets functions, launching SoFi products, developing capital markets execution, and investor education. You will have the opportunity to collaborate closely with senior managers across the firm, gaining full visibility into SoFi’s diverse business activities. Additionally, you will work alongside the Capital Markets team and engage with key external partners, such as institutional investors, rating agencies, and lenders, to drive strategic initiatives and ensure seamless execution of transactions.

What you’ll do:

• Proactively work with lines of business, credit, operations, and finance teams to develop new SoFi Products. Analyze portfolio/collateral characteristics, economic analysis, and any other information to support capital markets execution.

• Lead diligence process to prepare investor education materials, marketing materials incorporating qualitative and quantitative analysis for various audiences and drive investor engagement. Research industry best practices and peer group analysis to drive product innovation and structuring collaborating with finance credit and accounting teams.   

• Support content preparation, communication, and due diligence processes for external stakeholders such as investors, lenders, rating agencies, data systems providers, law firms, trustees, custodians, and accounting firms.

• Provide support to investor development and deal execution teams to ensure seamless progression from sourcing to capital markets execution. 

• Collaborate with internal teams including credit, legal, engineering, product, treasury, accounting, servicing, and finance to provide strategic support and align on goals. 

What you’ll need:

• 2+ years of relevant experience desired

• BS/BA in business, finance, accounting, economics or similar technical field

• Excellent analytical skills attention to detail organization and project management skills 

• Ability to thrive in fast-paced, ambiguous environments with a bias toward action

• Strong ownership and proactive problem-solving mindset

• Effective story telling and expertise in presentation skills (Microsoft Google Suites) leveraging AI tools 

• Ability to manage multiple priorities and clear communication and cross-functional collaboration

• Intellectual curiosity and strong interest in fintech, products, and capital markets

• Strong verbal and written communication as well as technical and organizational skills

• Excellent work ethic and willingness to contribute broadly to achieve team and company objectives   

• Previous experience with lending or consumer credit products a plus: mortgages, student loans, credit cards, personal loans, etc.

The role

SoFi is seeking a manager to join our Capital Markets focused on Secondary Markets in the Home Loans team. In this role, to you will be the point person working with a cross-functional internal team of capital markets, treasury, margin management members together with external constituencies including broker-dealers, investors, the GSE’s and third party vendors to execute home loan sales, securitizations transactions.

What you’ll do:

• Manage rate-sheet generation via MBS pricing and coordination into the Product and Pricing Engine.  Emphasis on TBA pricing and Spec Pool pricing for rate-sheet generation.
• Understanding of MSR and BU-BD/XS Servicing pricing
• Work with margin management to determine best margin based on secondary pricing, region, and/or current program, or marketing campaign.
• Familiar with Lock Desk procedures and policies.
• MBS pooling and loan delivery
• Pipeline hedging, trading and understanding of the roll market

What you’ll need:

• 6+ years of relevant experience desired, primarily in home loan secondary markets.
• BS/BA in business, finance, accounting, economics or similar technical field
• Excellent work ethic and willingness to contribute broadly to achieve team and company objectives   
• Strong verbal and written communication as well as technical and organizational skills
• Strong analytical skills with attention to detail
• Strong ability to read and interpret financial contracts and knowledge of core documents and industry standard/best practices in transactional terms
• High level of proficiency with Microsoft Office suite (particularly in Excel, PowerPoint)
• Previous experience with lending or consumer credit products a plus: mortgages, student loans, credit cards, personal loans, etc.
• Previous experience with asset-backed securitization data sets a plus:  Bloomberg, Intex, DV01, etc.

A Plus:

• Familiarity with Encompass LOS and OB pricing engine.
• Post Close experience.
• Resi Private Label Securities, structuring and securitization.
• Understanding of fixed income/MBS risk metrics and bond math.

The role

We are seeking a dedicated professional within Capital Markets to lead the expansion and optimization of our Loan Platform Business and Private Credit transactions. This role will serve as the central connection point between institutional investors and internal partners across Finance, Operations, Product, and Legal. The successful candidate will drive investor engagement and education, coordinate loan sale execution, and align program economics with financial and strategic objectives. This position plays a key role in scaling the platform by deepening investor relationships, enhancing transaction efficiency, and supporting the continued growth of our capital markets initiatives.

What you’ll do:

• Cultivate high-level institutional partnerships  with investors across the Loan Platform Business and Private Credit programs.
• Lead investor education and diligence processes, including preparation of marketing materials, performance updates, transaction summaries, and structural considerations.
• Lead complex negotiations and finalize deal structures that align with SoFi’s long-term capital strategy.
• Serve as a key point of contact for investor communications and coordinate timely responses across internal teams.
• Partner with the Transaction Execution team to plan and manage quarterly loan sale schedules, ensuring alignment between investor demand and available loan supply.
• Collaborate with Finance and Accounting teams to forecast sales activity, track performance against plan, and analyze key revenue drivers.
• Evaluate transaction economics to inform pricing, volume, and investor participation strategies.
• Maintain visibility into product structures, pricing frameworks, and yield impacts across the Loan Platform Business and Private Credit programs.
• Support design and launch of new program structures through modeling, scenario analysis, and go-to-market planning.
• Design and implement scalable frameworks to improve platform-wide efficiency and investor support..
• Provide guidance, mentorship and professional development to team members within Capital Markets.

What you’ll need:

• 10+ years of relevant experience desired, predominantly in capital markets and structured finance
• BS/BA in business, finance, accounting, economics or similar technical field
• Excellent work ethic and willingness to contribute broadly to achieve team and company objectives   
• Strong verbal and written communication as well as technical and organizational skills - demonstrated experience presenting to internal and external stakeholders.
• Advanced capital markets modeling expertise, with a deep understanding of complex securitization structures.
• Strong business acumen with the ability to translate complex market trends into actionable strategies.
• Strong ability to read and interpret financial contracts and knowledge of core documents and industry standard/best practices in transactional terms
• High level of proficiency with Microsoft Office and Google suites (particularly in Excel, PowerPoint, Sheets)
• Previous experience with lending or consumer credit products a plus: mortgages, student loans, credit cards, personal loans, etc.
• Previous experience with asset-backed securitization data sets a plus:  Bloomberg, Intex, DV01, etc.