The Role:

The Home Equity Mortgage Processor works directly with individual applicants to review loan applications to ensure that the application is complete and accurate. This requires time and attention to detail. This role ensures the timely and accurate packaging of all loans originated by our Loan Officers using effective communication with multiple parties involved in the loan process.

What You’ll Do:

• Provide excellent customer service and drive an overall exceptional customer experience using varying forms of communication
• Responsible for processing, managing, and acting as the primary contact of a pipeline of Home Equity loans to meet closing deadlines and lock expiration periods.
• Maintain a progressing pipeline of 30-50 loan applications.
• Effective and timely communication to both external customers (Clients, 3rd Parties, Vendors) as well as internal customers (Loan Officers, Underwriters, Closers).
• Maintain and adapt to the changing mortgage guidelines.
• Appropriately set borrower expectations for the mortgage process and establish that the processor is the main point of contact until closing.
• Holds the responsibility to request, gather, and analyze documentation required from the borrowers, internally, and third parties for underwriting approval.
• Handles the fillfullment of broker channel loan offerings from members 
• Adapt easily to change and provide interdepartmental support.
• Strive to exceed productivity expectations and standards.
• Set appropriate expectations and point of contact with realtors and other referral sources.
• Understand and request documentation requirements for mortgage financing (tax transcripts, paystubs, tax returns, income calculation, etc.).
• Must be highly organized and proactive; able to meet deadlines in a fast-paced environment.

What You’ll Need:

• 2 years of mortgage processing industry experience preferred
• Broker fullfillment experience is a plus 
• Ability to maintain a pipeline of 30-50 loans of mixed variety
• Knowledge of Encompass LOS
• Excellent oral and written communication skills
• Works well under time constraints and a constantly changing environment
• Has to have a team mentality and work well as a member of a group
• Eagerness to delight clients throughout the process and drive overall experiences
• Knowledge of Fannie Mae guidelines

The Role:

The Encompass Administrator Team is responsible for all configuration and customization of the company’s Loan Origination System (LOS) and to assist with the management of ancillary systems and services that are integrated with Encompass. This position requires in-depth knowledge of the loan origination workflow. The Encompass Administrator works closely with the Senior Encompass Admins, Product, and Management to evaluate business processes, data integrity, and compliance issues as they relate to the loan origination systems.

What You’ll Do:

• Use your Encompass experience to provide frontline user support by troubleshooting and resolving day to day Encompass issues.
• Research and diagnose issues using the Encompass Knowledge Base and by creating/managing cases with ICE Mortgage Technology; escalate as appropriate.
• Maintain open, ongoing communication with the Encompass Systems Administrators and management regarding issues, end user needs and trends
• Maintain Encompass users, roles, profiles, security settings, and loan access settings.
• Troubleshoot and maintain existing business rules for data entry, triggers, milestones, and conditions in accordance with approved standards.
• Gather, clarify, and document business requirements for fixes, enhancements, and projects in collaboration with management, residential lending teammates, and the Encompass Systems Administrator.
• The ideal candidate must exhibit strong teamwork skills, seamlessly integrate with the team, and actively promote the company's core values.

What You’ll Need:

• You will have graduated and your highest level of education is only a Bachelor’s Degree in Computer Science, Business Administration or related degree
  
• You are available to start working immediately
• No more than 2 years of professional full-time work experience (excluding internships and research assistant roles)
• Reside in the United States and attended a university in the US
• Must have Encompass or Blend experience
• Ability to work quickly, accurately, and independently in a fast-paced environment
• Detail-oriented and strong time management/ organizational skills
• Excellent verbal, written, and interpersonal skills

Nice to Have:

• Experience in the home loans/mortgage industry
• Encompass Admin or ICE Admin certification

The Role:

We are seeking an experienced AI Solutions & Delivery Engineer to join our Business Controls Group (BCG) as a hands-on technical leader focused on applying Artificial Intelligence, including Generative AI and Agentic AI, to accelerate and elevate first line of defense (1LOD) risk and control operations.

The ideal candidate will possess a blend of business and technical savvy, a vision for what AI can unlock within a controls environment, and the drive to transform that vision into reality. You will be responsible for partnering with stakeholders across BCG: listening, facilitating, hands-on developing, and delivering prioritized AI solutions that augment and elevate the capabilities of our risk and controls professionals.

You will focus on building AI-powered solutions for specific BCG initiatives, including control testing, horizontal risk-related reporting, and other 1LOD process acceleration activities, and manage a portfolio of AI initiatives from ideation through production deployment. This role exists to increase the quality, velocity, and scalability of how our Business Controls teams execute their work.

You will also serve as technical lead for the Business Controls AI Engineering function, acting as a system-level thinker, designing, orchestrating, building, and deploying AI agents, tools, and enterprise data integrations for BCG and 1LOD risk management teams within the guardrails of SoFi’s governance framework.

What you’ll do:

AI Strategy & Solutions Delivery

• Partner with BCG leadership to define the AI solutions vision and roadmap for 1LOD risk and controls, based on business use case prioritization and scorecard evaluation.

• Identify and implement opportunities where AI can uplift risk and control processes and practices, with an initial focus on control testing velocity and business controls reporting.

• Design, develop, and deploy AI-powered solutions (including LLM-based agents, automated evidence analysis, and intelligent workflow tools) that deliver measurable improvements to BCG operations.

• Translate ambiguous, fast-evolving AI work into clear narratives, artifacts, and decision frameworks for senior and executive leaders.

• Manage the end-to-end AI product lifecycle, from ideation and requirements gathering through development, testing, launch, and post-launch optimization.

Stakeholder Engagement & Enablement

• Partner with Business Controls teams, risk professionals, technology teams, and other BCG stakeholders to drive development, adoption, and continuous improvement of AI solutions.

• Enable risk professionals’ adoption of AI tools by providing training, documentation, and hands-on support to increase comfort and proficiency across the organization.

• Partner with enterprise AI and platform engineering teams to ensure AI solutions are built in compliance with best practices, enterprise policies, and internal standards.

• Contribute to the uplifting and upscaling of AI capabilities across BCG, assisting in the responsible adoption of best-in-class AI platforms within the organization.

Performance & Metrics

• Define key performance indicators (KPIs) and metrics for AI solutions, monitor performance post-launch, and iterate based on data-driven insights.

• Ensure AI solutions deliver measurable business value, including reductions in cycle time, improvements in testing coverage, and enhanced reporting accuracy.

• Establish and maintain dashboards that communicate AI initiative progress, adoption, and impact to BCG leadership.

Governance, Risk & Compliance

• Manage end-to-end Generative AI and Responsible AI governance for BCG solutions, including documentation, validation, monitoring, explainability, and adherence to internal policies and emerging AI regulations.

• Demonstrate critical thinking and the ability to clearly articulate risks and dimension impact when evaluating AI use cases and deployments.

• Ensure all AI solutions align with enterprise governance standards, regulatory expectations, and model risk management requirements.

Technical Leadership

• Serve as technical lead for the Business Controls AI Engineering function.

• Evaluate, select, and integrate AI/ML tools and platforms that best serve BCG’s operational needs.

• Break ambiguous problems into clear, measurable components and define actionable AI development plans.

• Demonstrate sound judgment when balancing innovation against risk in a regulated financial services environment.

What you’ll need:

• 8+ years of experience in risk management, controls, compliance, or technology roles, with at least 3+ years focused on AI/ML products, applied AI solutions, or AI-driven process transformation.

• Bachelor’s or Master’s degree in Computer Science, Engineering, Data Science, or related field (or equivalent work experience).

• Demonstrated experience in ambiguous or emerging domains, including leadership in defining, launching, and scaling AI solutions that deliver significant business impact.

• Proven experience working at a senior individual contributor level or equivalent in a regulated organization, preferably in financial services.

• Strong understanding of the financial services industry, including 1LOD risk management, control testing, and business controls operations.

• Hands-on experience with AI/ML concepts including LLMs, Generative AI, Agentic AI, supervised/unsupervised learning, model monitoring, and responsible AI practices.

• Understanding of data governance, data pipelines, and MLOps principles.

• Strong communication and executive stakeholder engagement skills, with the ability to explain complex ideas clearly to non-experts at different audience levels.

• Experience with regulatory expectations, model governance, and risk management in a banking or financial services context.

• Strategic thinker with a strong analytical and problem-solving mindset.

• Rapid self-learner in unfamiliar domains with a bias toward action and delivery.

Nice to have:

• Experience with Snowflake, dbt, or other modern data platform tools used in enterprise data environments.

• Familiarity with LLM tooling, RAG systems, AI agent frameworks, or AI-assisted data workflows.

• Financial services experience across domains such as Credit, Fraud, Collections, or Operational Risk.

• Experience with GRC platforms and control testing methodologies.

• Experience implementing AI governance frameworks at scale.

• AWS experience (S3, Glue, Lambda) and infrastructure-as-code familiarity.

The role:

We are seeking a highly experienced AI Automation Lead with 8+ years of engineering experience to bridge the gap between sophisticated data ecosystems and high-performance user applications. This role is responsible for architecting and delivering our multi-agent AI strategy—moving beyond simple chatbot implementations to autonomous, stateful workflows that solve complex, real-world business problems.

This individual operates as a true full-stack product engineer, equally comfortable working across frontend, backend, data orchestration, and AI systems. You will define the technical vision for AI-driven automation, ensuring solutions are scalable, production-grade, and highly available.

What you’ll do:

AI Architecture & Agentic Workflows

• Design and implement multi-agent AI workflows that enable coordinated task execution across systems (e.g., fraud detection, risk assessment, financial modeling)

• Build human-in-the-loop systems that allow users to monitor and intervene in automated processes

• Integrate Snowflake Cortex for in-database AI workloads, including LLM functions, vector search, and ML processing

Full-Stack Engineering

• Develop complex, data-rich user interfaces using React to visualize and control AI workflows

• Build scalable backend services in Python with a focus on performance, concurrency, and clean API design

• Orchestrate workflows and automation pipelines using Apache Airflow

Data & Infrastructure Strategy

• Leverage Snowflake and dbt to ensure clean, governed, and high-performance data pipelines

• Maintain infrastructure as code and CI/CD pipelines to enable reliable and rapid deployments

• Optimize performance and cost of LLM usage and internal AI systems

Technical Leadership

• Lead architectural decisions and set engineering standards across the team

• Conduct code reviews, mentor engineers, and promote a culture of ownership

• Partner with Product to translate business problems into scalable automation solutions

What you’ll need:

• 8+ years of professional software engineering experience

• Strong expertise in React with the ability to build complex, stateful UIs from scratch

• Deep expertise in Python, including async programming and AI/ML frameworks

• Experience building multi-agent systems or complex AI workflows (e.g., LangGraph, CrewAI, AutoGen, or similar)

• Hands-on experience with Snowflake, including data modeling and AI integrations

• Strong experience with Apache Airflow for workflow orchestration

• Working knowledge of CI/CD pipelines and containerization (Docker, Kubernetes)

• Proven ability to lead technical design and own end-to-end system delivery

Nice to have:

• Experience with Snowflake Cortex or in-database AI processing

• Experience fine-tuning or deploying custom ML models

• Background in fintech, risk, fraud, or financial systems

• Experience migrating manual processes into automated AI-driven systems

• Strong system design experience in distributed, production environments

The profile we’re looking for:

You are a full-stack AI systems architect who thrives on building end-to-end solutions—not just components. You move beyond traditional CRUD applications and focus on delivering intelligent, automated systems that solve meaningful business problems.

You take ownership of both the system and the user experience, ensuring that AI capabilities are not only powerful but usable and scalable. You can take an ambiguous goal—like automating a fraud review process—and turn it into a fully functional, multi-agent system with a robust user interface in a matter of weeks.

The role

The Lock Desk Specialist will be responsible for ensuring SoFi company policies and procedures related to rate locks are accurate and meet loan pricing compliance standards. This role requires meticulous attention to detail, strong organizational skills, and the ability to work independently in a fast-paced environment. The ideal candidate will have experience in the mortgage industry, proficiency in relevant software, and the ability to serve as a critical point of contact for both internal teams and external stakeholders.

What you'll do:

• Enforce Lock Desk policy & procedures.
• Assist the company’s loan officers with rate lock maintenance, loan re-prices, and general Lock.
• Monitor and track Best Effort rate locks with investors.
• Confirm loan pricing accuracy and profitability.
• Conduct systematic data entry for all interest rate lock requests and re-prices.
• Act as the main point of contact for escalation scenarios.
• Process Change of Circumstances, Loan Concessions, Lock Scrubs, and Lock Extensions.
• Monitor various shared email in-boxes and perform work within SLA.
• Act as a primary point of contact with the Loan Setup Client Experience Team to ensure loan terms are compliant.
• Ensure the accuracy of fees; create a file structure for outbound disclosures.
• Monitor robotics outcome reports and scrub loans that fail to queue back up for automation or work manually.
• Coach, train, and educate teammates who are newly onboarded.

What you'll need:

• A four-year college degree in Finance, Economics, or another related field is preferred
• 2+ years in the mortgage industry preferred
• 2 + years of Encompass experience
• 2+ years of Optimal Blue experience
• Microsoft Excel proficiency
• General knowledge of financial markets
• Knowledge of TRID guidelines
• Ability to work quickly, accurately, and independently in a very fast-paced environment
• Comfortable working under a high level of confidentiality
• Detail-oriented and strong time management / organizational skills

The role

We are seeking a Pricing Analyst, Home Lending to join our Pricing team within the Home Lending Business Unit. This is an exciting role for someone to make a direct impact on the revenue of SoFi by helping shape the Mortgage business strategy and product development through data-driven insights and pricing recommendation. As a Pricing Analyst on our Pricing team, you will be working closely with a world-class team of business leaders and data scientists to help SoFi develop, implement, and analyze Mortgage pricing strategies. Success in this role hinges on your technical aptitude, quantitative abilities, and business acumen: you know how to plow through data with SQL/Tableau, surface insights, and measure the business impact using conversion/ profit metrics. You treat stakeholders as a partnership – you are there at each step of the way and you know that we only succeed if we succeed together.  The ideal candidate will possess a strong understanding of the residential mortgage industry, with a focus on pricing strategies, competitive analysis, and a proven track record of utilizing pricing engines like Optimal Blue.

What you’ll do:

• Develop, implement, and test pricing strategies that optimize profitability through the improvement of revenue, conversion, and cost per customer acquisition
• Collaborate with the Business Unit Leaders in Home Lending to manage pricing margins, provide insights into the competitive landscape and ensure pricing is in line with targets and profitability expectations
• Administer, configure, and optimize our Product & Pricing Engine (PPE), with a strong preference for Optimal Blue experience
• Ensure accuracy and integrity of pricing data within the PPE
• Develop analytical tools to control and validate the accuracy of mortgage pricing configuration and calculations
• Build dashboards to deliver results of pricing strategies to the business and reporting that assist in pipeline management
• Build intuitive and analytical models to help decision makers understand the price elasticity of customer segments
• Routinely present analyses to SoFi business leaders
• Maintain policies and procedures owned by the HL Pricing Team
• Support day-to-day operations including daily rate sheets and exception processing
• Represent Pricing in front of internal stakeholders (lock desk, credit risk, capital markets, marketing, finance) and external vendors

What you’ll need:

• B.S. or M.S.. in Computer Science, Statistics, Finance, Economics, Engineering, Mathematics or a related quantitative field is required for this position
• 5+ years of experience working in the Home loans industry in an analytics, business strategy, pricing, margin management, or related role 
• 3+ years of experience administering a pricing engine (preferably Optimal Blue)
• Proven track record of end-to-end experience in building analytical frameworks to inform business strategy
• Solid knowledge and understanding of mortgage loans, programs, and pricing processes and procedures
• Knowledge and understanding of statistical and econometric modeling methods for significance testing and causal inference
• Basic programming skills in SQL, VBA, and Macro. 
• Basic knowledge of Tableau and experience building production-level dashboards
• Ability to work in a dynamic, cross-functional environment, with strong attention to detail
• Effective communication skills and ability to explain complex models in simple terms;
• Strong relationship building and collaborative skills
• Exceptional problem-solving skills

Nice to have:

• Familiarity with Loan Origination Systems (preferably Encompass) 
• Python coding experience

The Role
The Risk Data Science team is seeking a strategic and technically deep Machine Learning Engineer to lead the evolution of SoFi’s Home Loan and Home Equity risk frameworks. This role is at the center of a high-priority initiative to deliver a comprehensive, loan-level credit risk and valuation framework for our home lending portfolios. 

As a key technical leader, you will apply state-of-the-art ML methodologies to solve complex problems—including default and prepayment modeling, property valuation (AVMs), and credit risk assessment—ensuring our high-value secured loan products are backed by world-class data science.

What You’ll Do

• Lead the design and implementation of ML models for mortgage-specific use cases, including credit underwriting, debt-to-income (DTI) validation, and automated appraisal reviews.
• Provide technical oversight and end-to-end ownership of externally developed models, ensuring they meet rigorous internal standards for quality, performance, and scalability.
• Present model performance and portfolio insights to senior leadership, translating complex data into actionable credit and business strategies.
• Collaborate with Model Risk Management (MRM) and governance teams to ensure all models are developed with the technical rigor required to satisfy complex regulatory and compliance standards.
• Partner with Product and Engineering teams to operationalize models, overseeing deployment, real-time monitoring, and seamless integration into core business systems.
• Continuously explore and leverage in-house, external, and open-source ML frameworks to build the next generation of proprietary mortgage risk tools.

What You’ll Need

• Master’s degree in Computer Science, Statistics, Mathematics, Physics, Engineering, or a quantitative field required. Ph.D. preferred.
• 5+ years of direct experience with building, implementing, and deploying machine learning models within Home Loans or Home Equity lending environments.
• Expert knowledge of statistical modeling and ML methods, including linear/logistic regression, ensemble methods (XGBoost/LightGBM), clustering, and outlier detection.
• Strong programming skills in Python and SQL.
• Hands-on experience with ML model implementation in production environments using tools such as AWS SageMaker, Git, Docker, and CI/CD pipelines.
• Strong ability to distill complex technical methodologies into simple, persuasive terms for non-technical stakeholders.

Nice To Have

• Proven track record in technical model documentation and navigating the Model Risk Management lifecycle.
• Experience working in a cross-functional capacity across Product, Engineering, and Risk departments.

The Role

The Risk Data Science team is looking for a Data Scientist/Senior Data Scientist to develop advanced machine learning and statistical models, guide measurement, strategy, and data-driven decision making to support various credit risk and operational areas at SoFi. The Data Scientist will work closely with Credit, Risk, Product, Engineering, and Operations teams to design solutions for underwriting, portfolio management, loss mitigation, and loss forecasting etc. These tasks involve researching and applying state of the art modeling methodologies to solve complex business problems. This role is very rewarding as your work will have a direct and immediate impact on the business’ profitability.

What You’ll Do

• Develop, implement, and continuously improve machine learning and statistical models that support various credit, risk, and operational procedures including but not limited to underwriting, portfolio management, loss mitigation, and loss forecasting, etc.
• Present model performance and insights to Credit, Risk, and Business Unit leaders.
• Proactively identify opportunities to apply advanced modeling approaches to solve complex business problems.
• Explore and leverage in-house and external data sources to enhance model predictive power.
• Collaborate with the Model Risk Management team to demonstrate models are developed with high level rigor that satisfy Model Risk Management and Governance requirements. 
• Perform ongoing monitoring of the models through the construction of dashboards and KPI tracking
• Collaborate with the Product and Engineering teams to improve the model development, deployment, monitoring, and model re-calibration/re-build process..
• Explore and apply in-house and open-source machine learning and statistical tools and algorithms to develop and improve models.

What You’ll Need

• Master’s degree in Statistics, Econometrics, Mathematics, Operations Research, Physics, Computer Science, Engineering, or quantitative field required. PhD degree preferred.
• 2+ years of relevant work experience in building and implementing machine learning and statistical models.
• Excellent logic reasoning and communication abilities when interpreting business requirements and translating them into effective data solutions.
• Strong skills in writing efficient SQL queries and Python code to create complex attributes, especially with large datasets.
• Strong sensitivity to details in data and proactively investigate them to uncover unknown patterns.
• Strong knowledge of databases and related languages/tools such as SQL, NoSQL, Hive, etc. 
• Demonstrated sophisticated experience in building efficient and reliable pipelines that interact with large datasets stored in SageMaker and Snowflake, automating recurring processes such as data extraction and processing, feature selection, model training, model monitoring, and generating documentation templates to support reproducibility and cross-functional collaboration.
• Excellent knowledge of machine learning and statistical modeling methods for supervised and unsupervised learning. These methods include (but are not limited to) regression, classification, clustering, outlier detection, novelty detection, decision trees, nearest neighbors, support vector machines, ensemble methods and boosting, neural networks, deep learning and its various applications. Continuously following the advancement of machine learning and artificial intelligence to update your knowledge and skills in order to solve business problems with the most efficient methodologies
• Strong programming skills in Python and machine learning libraries (e.g., sklearn, lightgbm, xgboost, pytorch, tensorflow, keras, etc.)

Nice To Have

• Experience in a lending organization.
• Experience with model documentation and delivering effective verbal and written communication.
• Experience in working closely with Product, Engineering, and Model Risk Management teams.
• Experience with AWS or GCP.

The role:

The Senior Manager, SMB Lending Compliance Advisor serves as an independent second-line risk advisor to the Small and Medium Business Lending business unit. This role provides strategic compliance oversight, challenge, and regulatory expertise to ensure lending activities align with applicable federal laws, regulatory expectations, and the Bank’s risk appetite.

This position partners closely with Business Unit leadership, Legal, and horizontal Compliance partners to proactively identify, assess, and mitigate compliance risk across the SMB lending lifecycle. The role requires deep product and regulatory expertise, executive presence, and the ability to influence senior stakeholders while maintaining independence.

What you'll do:

• Serve as primary second-line compliance advisor to SMB Lending leadership.
   

• Provide subject matter expertise on regulations impacting small business lending, including:

  • Equal Credit Opportunity Act (ECOA) / Regulation B

  • Fair Credit Reporting Act (FCRA) / Regulation V

  • Fair Lending laws and disparate impact considerations

  • UDAAP

  • Community Reinvestment Act (CRA)

  • BSA/AML requirements as applicable to lending
     

• Deliver credible challenge to business decisions, product initiatives and changes, underwriting practices, and pricing strategies through execution of the Compliance Management Program such as complaints oversight, risk assessments, and issue management.

• Oversee third party relationships for the small business lending portfolio.

• Lead and maintain formal compliance risk assessments for the SMB lending portfolio.
   

• Evaluate adequacy and effectiveness of first-line controls.
   

• Identify emerging regulatory risks and escalate as appropriate.
   

• Provide risk-based recommendations aligned with regulatory expectations.
   

• Review issues, assess root cause, and validate remediation plans.
   

• Track and report compliance issues through formal governance channels.

• Assess impact of new or revised regulations.
   

• Advise business leadership on implementation strategy and required control enhancements.

• Communicate compliance risk themes, emerging issues, and key metrics.
   

• Serve as a trusted advisor to executive stakeholders while maintaining independent oversight.

What you'll need:

• Bachelor’s degree in Finance, Business, Risk Management, Law, or related field.
   

• 8–12 years of experience in banking compliance, regulatory risk, or audit within a regulated financial institution.
   

• Minimum 5 years supporting commercial, small business, or business banking lending activities.
   

• Strong working knowledge of:

  • Equal Credit Opportunity Act/Reg B

  • Fair Credit Reporting Act

  • Fair Lending

  • UDAAP

  • CRA
     

• Strong written and verbal communication skills, including experience presenting to senior leadership.
   

Preferred Qualifications:

• CRCM (Certified Regulatory Compliance Manager) certification.
   

• CAMS or other relevant compliance certification.
   

• Experience with fair lending analytics or model risk governance.
   

• Prior leadership experience managing or mentoring compliance professionals.
   

• Advanced degree (MBA or JD) preferred.
   

Core Competencies:

• Independent judgment and risk-based decision making
   

• Executive presence and influence
   

• Regulatory interpretation and technical expertise
   

• Strategic thinking
   

• Cross-functional collaboration
   

• Strong analytical capability

The role:

We are looking for a Senior Data Scientist and/or Machine Learning Model Developer to join our Fraud Model Development Team. This role owns end-to-end design, development, validation, deployment partnership, and performance management of high-impact fraud models across SoFi products including Personal Loans, Student Loans, Credit Cards, and Crypto.

The Senior Fraud Model Developer is accountable for measurable fraud loss reduction and false positive improvements within assigned domains. This individual partners closely with Fraud Prevention, Risk, Operations, Finance, Compliance, and ML Platform teams to influence fraud strategy, inform risk tolerance decisions, and ensure models deliver sustained business impact.

This position requires deep expertise in data analytics, statistical modeling, and machine learning, along with the ability to translate complex model performance into clear business outcomes. The ideal candidate brings strong fraud domain knowledge, production ML experience, and a demonstrated ability to manage model risk and complexity at scale

What you’ll do:

The Senior Fraud Model Developer will help SoFi build and scale high-performing fraud modeling solutions by:

• Owning end-to-end development of fraud models within assigned product or risk domains, from problem framing through production deployment and ongoing monitoring
• Driving measurable reductions in fraud loss, false positives, and operational expenses
• Translating model outputs into business impact metrics and influencing fraud strategy decisions
• Aggregating and synthesizing datasets from multiple data environments to design scalable and reusable modeling frameworks
• Analyzing complex datasets to identify drivers of fraud loss and member friction across products
• Conducting trade-off analysis between fraud loss mitigation, customer experience, and regulatory guardrails
• Establishing and maintaining model monitoring standards (e.g., performance metrics, drift detection, recalibration cadence) to proactively manage model risk
• Investigating external risk data and emerging fraud patterns to inform roadmap prioritization
• Partnering with ML Platform teams to productionize models in AWS and improve lifecycle governance
• Reducing model development cycle time by simplifying processes, improving documentation rigor, and creating reusable components
• Handling escalations related to model performance, risk exposure, or business impact within assigned scope
• Influencing roadmap sequencing and contributing to prioritization discussions based on ROI, regulatory considerations, and level of effort

What you’ll need:

• 7+ years of advanced quantitative modeling experience, or
• Master’s degree and 5+ years of related experience, or
• PhD and 3+ years of related experience, or
• Equivalent practical experience
• Demonstrated ownership of production machine learning models with measurable impact on fraud loss or false positive reduction
• Deep expertise in Python, SQL, and data visualization tools (e.g., Tableau)
• Strong knowledge of statistical methodologies and machine learning techniques (e.g., regression, decision trees, gradient boosting, random forests, neural networks, clustering analysis)
• Experience designing, validating, and monitoring models using metrics such as AUC, KS, precision/recall, and drift detection
• Ability to independently determine modeling approaches, manage trade-offs, and execute solutions with minimal guidance
• Experience partnering cross-functionally with Risk, Fraud Ops, Engineering, Finance, and Compliance stakeholders
• Strong communication skills with the ability to distill complex technical concepts into clear business recommendations
• Demonstrated ability to manage risk exposure within projects and proactively escalate with proposed solutions
  
  

Nice to have:

• Direct experience in fintech, banking, payments, or digital fraud risk
• Familiarity with graph databases and network-based fraud detection
• Experience developing and deploying models in AWS environments
• Experience influencing fraud policy or risk tolerance decisions

The role:
This role exists to own and evolve SoFi’s enterprise case management platform, with a primary focus on Pega. The Principal Case Management Platform Manager (IC5) is responsible for defining how workflows are built, scaled, and used across operations.

This person leads the platform strategy and execution, including the migration from Zendesk to Pega, and drives automation of manual workflows across payments, lending, fraud, and servicing. They act as the bridge between Product, Operations, Risk, and Engineering to ensure the platform supports business priorities and improves operational efficiency at scale.

What you’ll do:

• Own the strategy, roadmap, and operating model for Pega and case management platforms
• Lead the end-to-end migration from Zendesk to Pega and ensure long-term scalability
• Partner with Product, Operations, Risk, and Engineering to translate business needs into workflow solutions
• Design and optimize workflows that reduce manual work and improve operational efficiency
• Establish platform governance, standards, and best practices to ensure consistency and reuse
• Oversee delivery, implementation, and rollout to ensure solutions are adopted and meet business goals
• Drive release readiness, user adoption, training, and change management
• Ensure platform capabilities meet regulatory and compliance requirements (e.g., SOX, PCI)
• Define and track success metrics, monitor platform performance, and continuously improve based on data and feedback

What you’ll need:

• Bachelor’s degree in a technical or business-related field
• 10+ years of experience with the Pega platform
• Deep expertise in Pega (v7–v8+), including Pega Cloud (PaaS)
• Experience owning or leading enterprise platforms or products end-to-end
• Strong background in workflow design, case management, and process optimization
• Experience working cross-functionally with Product, Operations, Risk, and Engineering
• Ability to influence senior stakeholders and translate technical concepts into business outcomes
• Proven ability to operate in ambiguity and drive results independently

Nice to have:

• Pega Lead System Architect (LSA) certification
• Experience with GenAI and Constellation UI
• Domain expertise in payments, fraud, or lending
• Familiarity with IAM tools such as Okta, SailPoint, or CyberArk

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:

We are seeking a visionary Home Loans and Commercial Valuation Strategy & Governance to serve as the organization’s definitive Subject Matter Expert (SME) on all things property value. In this high-impact role, you will be the architect of our enterprise valuation strategy across Conventional, Jumbo, FHA/VA/USDA, Closed-End Seconds (CES), HELOC, and Commercial (CRE/MF).

As the enterprise owner of valuation policy, you will design the "Valuation Engine" of the future—moving away from manual, one-size-fits-all workflows toward a sophisticated, risk-tiered approach that utilizes appraisals, evaluations, and AVMs based on data-driven complexity triggers. You will lead the transition to an analytics-led operating model, intervening directly on high-risk/complex files while automating the routine through rigorous governance.

What you’ll do: 

1. Property SME & Market Intelligence

Enterprise SME: Serve as the final authority on property valuation trends and risks across both Residential and Commercial (CRE/MF) asset classes.

Market Analysis: Maintain a deep understanding of the macro and micro-economic drivers of the housing and commercial markets.

Advisory: Provide strategic counsel to business line leaders and Credit Policy on how market shifts should impact lending appetite and collateral requirements.

1. HPI Oversight & Housing Surveillance Framework

Model Ownership: Exercise full oversight of House Price Index (HPI) models, ensuring they accurately capture market movements and volatility.

Surveillance Framework: Build and maintain a comprehensive Housing Surveillance Framework. Use HPI models and external data to monitor regional trends, identify price bubbles, and establish geographic "hot zone" triggers.

Proactive Risk Management: Integrate surveillance outputs directly into the "Valuation Engine" to automatically escalate scrutiny in volatile markets.

1. Valuation Strategy, Policy & Model Risk

Strategic Tiering: Define risk tiers and set coverage rules (Appraisal vs. Evaluation vs. AVM) based on exposure, complexity, and surveillance triggers.

The Policy Stack: Own and govern the complete policy suite, including Real-Estate Valuation, Evaluation Policy, Reconsideration of Value (ROV) Framework, and AVM Strategy.

Model Governance: Select and govern AVMs. Lead the program for testing, back-testing, and challenger modeling.

Quality & Fairness: Implement random-sample validation and bias/fairness checks. Publish performance scorecards and remediation plans to ensure alignment with OCC/Interagency guidance.

1. Strategic Partnerships & Execution

Cross-Functional Leadership: Coordinate with Credit Policy, Model Risk, Compliance/Fair Lending, and Originations/Servicing to drive a seamless, compliant valuation process.

RACI & Reporting: Define the enterprise RACI for valuation decisions; establish a monthly/quarterly reporting cadence for KRIs and KPIs to executive leadership.

What you’ll need:

• Experience: 15+ years of related experience in Real Estate Valuation, Housing Economics, or Collateral Risk Management.
• Education: Minimum Education Requirements such as:  Bachelor’s Degree or Higher
• SME Status: Deep technical knowledge of HPI modeling and a mastery of both Residential and Commercial property markets.
• Regulatory Mastery: Expert-level understanding of USPAP, Interagency Appraisal and Evaluation Guidelines, and AVM Quality Control expectations.
• Analytical Depth: Ability to build data-driven surveillance frameworks and manage complex model-risk environments.
• Influence: Proven ability to drive results through partnership, moving the organization toward a sophisticated, tech-enabled valuation future.
• Vision: A track record of transforming manual, legacy processes into tech-enabled, automated, and risk-sensitive operating models.

The Role

SoFi is seeking a dynamic Underwriting leader to join our Frisco, TX management team to build the future of home lending. In this high-impact role, you will lead our strategic expansion by recruiting, onboarding, and leading an elite team of underwriters for Conventional, Government, Jumbo, Portfolio, and Non-QM home loans. You are responsible for ensuring every decision delivers quality and accuracy. You will also contribute to our technology roadmap and manage the digital tools that drive industry-leading speed and service. This is a rare opportunity to move beyond the routine to engineer a high-performance department within a fast-paced, innovative culture.

What You’ll Do

• Build and Lead: Recruit, onboard, and mentor an underwriting team, fostering a high-performance culture that aligns with SoFi’s values and behavioral expectations.
• Strategic Oversight: Manage the underwriting lifecycle for a diverse product suite to ensure every decision meets quality and accuracy standards.
• Authority and Calibration: Establish and allocate underwriting authority levels for staff, while personally providing expert review and approval for highly complex or high-exposure cases.
• Performance Optimization: Train and coach the team to consistently exceed production and quality goals, utilizing data-driven insights to balance industry-leading speed and precision.
• Tech Roadmap Influence: Partner with product and engineering teams to influence the technology roadmap, adopting and managing the digital tools necessary to automate and streamline the underwriting process.
• Cross-Functional Synergy: Build and maintain strong partnerships across Sales, Credit, Risk and Operations to influence workflows, resolve bottlenecks, and achieve organizational goals.
• Risk and Quality Control: Monitor Quality Control reports to identify error trends and implement corrective action plans, ensuring all guidelines remain compliant with GSE and investor requirements.

What You’ll Need

• 8+ years of mortgage underwriting experience.
• 5+ years of experience in leading Mortgage Underwriting Teams.
• Experience underwriting jumbo, high net work, and complex credits with relevant approval authorities
• Knowledge of federal, state, and FDIC real estate regulations and statutes
• Comprehensive knowledge of mortgage products, services, and industry trends.
• Excellent written, spoken, active listening, and interpersonal communication skills with a high level of diplomacy in directing production staff.
• Strong motivation and management skills required to lead an experienced mortgage underwriting team, geared to meet production and quality goals.
• Critical decision-making skills and sound judgment to address and resolve issues.
• Technical proficiency with a high-level knowledge of computer systems including Encompass and Microsoft Office applications including Outlook, Word, and Excel.
• Effective time management skills include prioritizing responsibilities and organizing work tasks.

The role:

We are seeking a visionary Director of Strategic Bureau Business Manager to architect and lead our centralized framework for credit data engagement. In this high-impact role, you will move beyond traditional vendor management to build a high-leverage, diversified data ecosystem. You will be responsible for centralizing engagement with Credit Reporting Agencies (CRAs) and specialized FCRA vendors to streamline efforts, improve oversight, and accelerate innovation through modern cloud data environments.

Your mission is to transition the organization toward a hot-swappable data network where providers earn their place in our ecosystem through proven, measurable ROI and differentiated data assets.

What you’ll do: 

• Strategic Framework Leadership: Centralize all bureau engagement into a unified framework to provide strategic guidance, contractual leverage, and operational oversight across multiple product lines. Partner with Procurement and internal stakeholders to ensure maximum business value is received from each relationship.

• Value Chain Management: Coordinate a holistic view of the Credit Reporting Agency value chain, managing the relationship between the proprietary data we furnish to the bureaus and the specialized services we consume in return.

• Continuous Optimization & Data Quality: Execute a multi-year roadmap focused on spend efficiency and data integrity. Conduct comprehensive audits of data consumption and provide regular analysis of bureau performance, data quality metrics, and trends in credit reporting errors or opportunities.

• Risk & Compliance Stewardship: Implement and maintain appropriate risk management controls related to credit bureau relationships. Ensure all credit reporting and data usage practices comply with applicable laws and regulations, including the Fair Credit Reporting Act (FCRA) and GDPR.

• Drive Strategic Agility: Build and execute a roadmap that reduces technical barriers to entry for new data partners, ensuring the organization can agilely pivot between providers based on real-time data performance.

• Performance-Based Partnership Management: Establish a value-based incentive model for data providers. Prioritize partnerships with vendors who provide high-value, unique data assets that drive measurable lift in underwriting, collections, and fraud prevention.

• Collaborative Innovation: Partner closely with Risk, Data Science, and Engineering teams to conduct Value Discovery sessions, proving the worth of new data assets in an offline environment before committing to production integration.

• Strategic Liaison: Act as the primary business liaison and architect for relationships with major CRAs and auxiliary FCRA vendors. Stay informed on industry developments and bureau-specific rules to assess their impact on the organization.

What you’ll need:

• 12+ Years of Experience: Deep expertise in credit data ecosystems, bureau operations, or fintech risk management.

• Strategic Orchestration: A proven track record of managing multi-million dollar vendor relationships and navigating complex, large-scale RFP processes.

• Data-Forward Mindset: Proficiency in navigating modern data environments and the ability to translate complex data studies into executive-level business strategies.

• Expertise in Alternative Data: Strong understanding of the evolving landscape of differentiated data assets, including trended data, utility/telco, and cash-flow analytics.

• Regulatory Command: Comprehensive knowledge of FCRA, GDPR, and relevant compliance standards governing credit reporting and data usage.

• Influential Leadership: Exceptional ability to drive cross-functional alignment between technical and business teams to execute a unified data vision.

The Role

The Credit Bureau Business Analyst is a highly autonomous individual contributor responsible for owning bureau relationships, driving data-informed strategy, and executing against SoFi’s Credit Reporting Agency (CRA) initiatives.

This role sits at the intersection of credit data, vendor management, and business strategy—requiring someone who can move beyond reporting to analyze, influence, and drive decisions across the credit bureau ecosystem. You will work directly with bureaus (Experian, TransUnion, Equifax) and internal partners to optimize data usage, improve outcomes, and support risk and product strategies.

What You’ll Do

• Serve as the primary owner and point of contact for assigned credit bureau relationships, working directly with Experian, TransUnion, Equifax, and other data providers
• Drive end-to-end bureau execution and strategy for products and initiatives, including issue resolution, data quality improvements, and rule interpretation
• Use SQL and data analysis to identify trends, uncover root causes, and translate insights into actionable business recommendations
• Analyze credit data performance, dispute trends, and bureau feedback to proactively identify risks and optimization opportunities
• Partner cross-functionally with Risk, Product, Compliance, Legal, Disputes, Procurement, and Data teams to align on strategy and execution
• Lead and contribute to initiatives with department- and function-level impact, including new product onboarding and bureau-related programs
• Evaluate trade-offs and make principle-based decisions that balance risk, cost, and customer impact
• Support and enhance risk management and compliance controls related to credit data (FCRA and related regulations)
• Provide clear, concise reporting and insights to leadership, including performance trends, risks, and opportunities
• Proactively communicate progress, blockers, and escalations, operating with a high level of ownership and accountability

What You’ll Need

• Bachelor’s degree and 5+ years of relevant experience, or equivalent practical experience
• Direct experience working with credit bureaus (Experian, TransUnion, Equifax) or third-party credit data providers
• Demonstrated experience owning or directly managing external vendor or bureau relationships
• Hands-on experience using SQL to analyze data and support decision-making
• Proven ability to operate independently and drive cross-functional initiatives from problem identification through execution
• Strong analytical mindset with the ability to connect data insights to business impact
• Working knowledge of FCRA and GLBA
• Excellent communication skills, with the ability to influence stakeholders without direct authority
• Ability to thrive in ambiguous or evolving environments and drive clarity

Nice to Have

• Experience in risk strategy, credit strategy, or fraud strategy environments
• Experience supporting multiple products or business lines
• Exposure to vendor negotiations, procurement, or cost optimization initiatives
• Experience with disputes operations, audits, or regulatory reviews

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 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

Consumer Direct Growth & Sales Enablement to drive revenue acceleration within our Home Loans business. This is a senior individual contributor role responsible for building and optimizing scalable inbound and outbound growth strategies that increase funded loan volume without linear headcount expansion.

This leader will operate at the intersection of Performance Marketing, Sales Leadership, Data, and Operations to:

• Increase lead acquisition efficiency
• Improve outbound sales productivity
• Optimize conversion performance
• Drive measurable funded volume growth
• Enhance lifecycle monetization across SoFi’s member base
  
  

This role is not traditional marketing support. It is a revenue-focused growth operator accountable for measurable production impact in a high-velocity Consumer Direct model.

What you’ll do:

Consumer Direct Growth Strategy & Funnel Ownership (25%)

• Manage and continuously optimize the end-to-end consumer funnel from acquisition through funded loan.
• Identify and eliminate conversion bottlenecks across digital, outbound, and sales workflows.
• Partner with Performance Marketing to align campaign targeting with conversion capability.
• Develop structured experimentation frameworks (A/B testing, messaging refinement, landing page optimization).
• Build reporting dashboards that tie funnel performance directly to funded revenue.
  
  

Outbound Growth & Campaign Development (25%)

• Optimize and execute scalable outbound marketing strategies supporting a predominantly outbound sales force.
• Develop segmented campaigns targeting:
  
  
• SoFi member cross-sell opportunities
• Refinance recapture pools
• Rate-trigger and credit-qualified prospect segments
• Lifecycle reactivation audiences
  
  
• Build multi-touch outbound cadences aligned with LO outreach.
• Partner with CRM and Data teams to implement trigger-based campaigns.
• Track and optimize campaign-to-lock attribution and ROI.

Sales Conversion Enablement (20%)

• Develop high-performance outbound and inbound sales frameworks.
• Standardize speed-to-lead expectations, follow-up cadence, and objection-handling methodologies.
• Analyze LO-level performance data to identify conversion variance.
• Provide structured performance insights to Sales Leadership.
• Build scalable playbooks, scripts, and training resources aligned to campaign messaging.

Revenue Analytics & Executive Reporting (15%)

• Translate marketing and sales performance data into actionable revenue strategies.
• Model incremental funded volume impact from campaign initiatives.
• Quantify CAC-to-funded loan economics and identify optimization opportunities.
• Present performance insights and growth strategies to senior leadership.
• Provide quarterly revenue impact reporting tied to initiatives launched.

Lifecycle & Portfolio Monetization (10%)

• Partner with Lifecycle Marketing to design nurture journeys for:
  
  
• Pre-application prospects
• Fall-out borrowers
• Funded recapture opportunities
  
  
• Identify opportunities to increase repeat transaction volume and member lifetime value.
  Collaborate with Pricing and Capital Markets to refine segment positioning.

Talent & Market Positioning Support (5%)

• Support recruitment efforts for high-performing Consumer Direct Loan Officers.
  Contribute to onboarding design to accelerate time-to-productivity.
  Help refine the value proposition for top talent in a digital-first mortgage platform.

What you’ll need:

• 8+ years of experience in consumer direct mortgage, fintech lending, or high-performance sales organizations.
• Demonstrated ownership of revenue-impacting initiatives at scale.
• Proven experience building outbound marketing engines tied to measurable funded volume.
• Strong understanding of mortgage conversion metrics, funnel analytics, and sales productivity modeling.
• Advanced proficiency interpreting performance marketing KPIs (CPL, CAC, ROAS, lock rate, pull-through, cycle time).
• Experience influencing cross-functional stakeholders (Sales, Marketing, Product, Ops) without direct authority.
• Ability to operate independently in fast-paced, ambiguous environments.
• Exceptional analytical and financial modeling skills.
• Executive-level communication and presentation capabilities.

Preferred Qualifications:

• Active NMLS license or prior experience as a Loan Officer.
• Experience with real estate agent coaching or training.
• Knowledge of specific local real estate markets.

The Role

SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage Operations team in Frisco, TX.
You’ll review and assess Conventional and FHA loan applications using independent credit judgment, ensuring accuracy, compliance, and speed within a high-throughput production environment.

The ideal candidate brings recent mortgage underwriting and demonstrated expertise analyzing complex credit, income, asset, and property documentation. You’ll thrive in a collaborative, metrics-driven culture focused on member experience, quality, and accountability.

What You’ll Do

• Review and underwrite mortgage applications using investor/GSE guidelines.

• Perform detailed analysis of borrower credit, income, and collateral — including complex and self-employed income calculations.

• Conduct liquidity tests for business entities using Schedule L (adjusting for inventory-heavy businesses).

• Make timely, compliant underwriting decisions in line with SoFi and investor standards.

• Manage a high-volume pipeline, balancing quality (QC) and production SLAs — goal of 4–6 new credit decisions per day.

• Partner closely with processors and loan officers to resolve conditions and ensure efficient loan flow.

• Identify and escalate potential fraud risk or guideline exceptions.

• Apply deep working knowledge of DU/LP systems and investor overlays.

• Contribute to continuous process improvement through collaboration and feedback.
   

What You’ll Need

• Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans.

• Strong analytical ability and independent risk assessment judgment.

• Proficiency in DU, LP, and FHA Connection systems.

• Demonstrated skill in self-employment income analysis and Schedule L liquidity testing.

• Thorough understanding of credit policy, financial statement analysis, and property evaluation.

• Strong communication skills — able to explain complex scenarios clearly and professionally.

• Experience maintaining both quality control metrics and high production throughput.

• Familiarity with Texas-specific lending nuances preferred.

• Hybrid work schedule: 2 days per week in the Frisco, TX office.
   

Nice-to-Haves

• Active SAR or VA credit authority

• Active FHA DE (Direct Endorsement) certification

• Experience underwriting Jumbo or USDA loans

• College degree

• Background in fraud detection or risk mitigation

The role

Retail Loan Officers (RLOs) are key drivers of SoFi Lending Corp.’s mortgage sales organization. RLOs are responsible for delivering an exceptional, end-to-end customer experience by guiding members through the mortgage origination process and providing a modern, transparent alternative to the traditional mortgage experience.

What you’ll do:

• Evaluate initial loan applications and supporting documentation to assess creditworthiness and repayment ability
  
  
• Perform preliminary analysis of applicants’ credit, income, and assets, communicating initial eligibility and next steps clearly to the customer
  
  
• Communicate key origination timelines, product options, pricing, and underwriting requirements throughout the loan lifecycle
  
  
• Proactively engage with applicants through outbound communication to obtain required documentation and ensure timely progression from application to funding
  
  
• Clearly communicate loan status updates, conditions, approvals, and/or declinations to ensure customers are informed at every stage
  
  
• Coordinate with realtors, builders, mobile notaries, and other third-party partners to support a smooth transaction
  
  
• Manage the loan process to ensure timely and accurate delivery of disclosures, re-disclosures due to changed circumstances, and closing documentation
  
  
• Continuously enhance sales effectiveness and customer experience through ongoing training and development
  
  
• Maximize monthly funded loan volume while maintaining quality and compliance standards
  
  
• Manage and convert a pipeline of centrally provided leads while delivering a high-touch, consultative retail experience

What you’ll need:

• Professional demeanor and strong work ethic with the ability to establish and build working relationships with SoFi applicants, guiding them from initiation to successful completion of the loan process 
• Driven by high performance in a high expectation commission environment 
• Strong verbal and written communication skills 
• Industry leading pipeline management skills 
• Background or previous experience in financial services and sales in an inbound or outbound call center 
• Solid time management skills and the ability to prioritize activities 
• Ability to establish and maintain working relationships with team members 
• Must be computer literate with above average proficiency in MS Office and internet skills 
• Strong Communication skills including communicating clearly and effectively both verbally and in writing 
• Ability to learn and navigate multiple systems / applications / workflows 
• Ability to exhibit grace under pressure, while successfully navigating stressful work assignments or situations efficiently and effectively 
• Ability to meet critical deadlines under stressful conditions 
• Self-motivated and able to work independently 
• Able to move between tasks and duties quickly and efficiently 
• Excellent organizational skills 
• Excellent prioritization and time management skills

Nice to have:

• Two to four (2-4) years of successful origination of loans; residential mortgage loan experience preferred but not required. 
• Strong knowledge of federal, state and/or regulatory requirements of mortgage lending 
• Overall good knowledge and understanding of mortgage product, pricing and underwriting guidelines 
• Consultative sales skills in a mortgage sales organization 
• High volume transaction processing experience exhibiting the ability to follow written procedures and processes with a high level of accuracy and attention to detail 
• Any individual state mortgage licensing is considered a plus 
• Ability to obtain and maintain individual state license(s) and SAFE act compliance 

Why you’ll love working here

• Competitive salary packages and bonuses
• Comprehensive medical, dental, vision and life insurance benefits
• Generous vacation and holidays
• Paid parental leave for eligible employees
• 401(k) and education on retirement planning
• Tuition reimbursement on approved programs
• Monthly contribution up to $200 to help you pay off your student loans
• Great health & well-being benefits including: telehealth parental support, subsidized gym program
• Fully stocked kitchen (snacks and drinks)

The role

Mortgage Loan Originators (MLOs) drive SoFi Lending Corp.’s Mortgage sales team. MLOs are responsible for the customer experience throughout the mortgage origination process by guiding the member/customer through the mortgage application, creating a different kind of mortgage experience than the industry norm.

What you’ll do:

• Evaluate initial loan applications and documentation to confirm creditworthiness and ability to repay 
• Complete initial analysis of applicants’ credit and income by verifying initial decisions and communicating this to the applicant 
• Communicate critical origination timeline, product, pricing, and underwriting requirements to all applicants. 
• Perform outbound calls to applicants and work with the applicant to ensure receipt of required documentation critical to move loans through the sales process to funding successfully. 
• Communicate suspense, loan approval, and/or declinations to ensure the customer is always informed. 
• Coordinate and manage realtors, builders, mobile signers, and other third parties. 
• Oversee loan process to ensure timely delivery and content communication with the borrower of initial disclosures, changed circumstance re-disclosing, delivery of closing disclosure, and closing documents. 
• Improve upon and refine sales and customer service knowledge and techniques via ongoing training 
• Maximize the number of qualified loans funded monthly 
• Manage and maintain your pipeline of leads provided to you from a centralized lead generation engine 
• Ensure all leads provided are worked with the highest degree of urgency, meeting or exceeding customer expectations throughout the loan origination process 
• This role will focus on originating 1st Lien Mortgages, but as business needs shift, this role may originate Home Equity Mortgages. 

What you’ll need:

• Professional demeanor and strong work ethic with the ability to establish and build working relationships with SoFi applicants, guiding them from initiation to successful completion of the loan process 
• Driven by high performance in a high expectation commission environment 
• Strong verbal and written communication skills 
• Industry leading pipeline management skills 
• Background or previous experience in financial services and sales in an inbound or outbound call center 
• Solid time management skills and the ability to prioritize activities 
• Ability to establish and maintain working relationships with team members 
• Must be computer literate with above average proficiency in MS Office and internet skills 
• Great telephone skills, including communicating clearly and effectively both verbally and in writing 
• Ability to learn and navigate multiple systems/applications / workflows 
• Ability to exhibit grace under pressure while successfully navigating stressful work assignments or situations efficiently and effectively 
• Ability to meet critical deadlines under stressful conditions 
• Self-motivated and able to work independently 
• Able to move between tasks and duties quickly and efficiently 
• Excellent organizational skills 
• Excellent prioritization and time management skills

Nice to have:

• Two to four (2-4) years successful origination of loans; residential mortgage loan experience preferred but not required. 
• Strong knowledge of federal, state, and/or regulatory requirements of mortgage lending 
• Overall, good knowledge and understanding of mortgage products, pricing, and underwriting guidelines 
• Consultative sales skills in a mortgage sales organization 
• High-volume transaction processing experience exhibiting the ability to follow written procedures and processes with a high level of accuracy and attention to detail 
• Any individual state mortgage licensing is considered a plus 
• Ability to obtain and maintain individual state license(s) and SAFE act compliance