Data Scientist, Risk & Fraud

Employee Applicant Privacy NoticeAbout Us:Join us in shaping a brighter financial future. At SoFi, we are revolutionizing the way individuals engage with personal finance through innovative, mobile-first technology. As a next-generation financial services company and national bank, we are committed to helping our millions of members achieve their financial goals. With a rapidly evolving industry, we are proud to be at the forefront of this transformation. Our core values drive us to make a meaningful impact on people’s lives every day. Invest in yourself, your career, and the financial world by joining our team!The Role:The Risk Data Science team is on the lookout for a strategic and technically proficient Machine Learning Engineer to spearhead the advancement of SoFi’s Home Loan and Home Equity risk frameworks. This pivotal role is part of a high-priority initiative aimed at delivering a comprehensive, loan-level credit risk and valuation framework for our home lending portfolios.As a key technical leader, you will harness cutting-edge ML methodologies to tackle complex challenges, including default and prepayment modeling, property valuation (AVMs), and credit risk assessment, ensuring our valuable secured loan products are underpinned by top-tier data science.Your Responsibilities:Lead the development and implementation of ML models tailored for mortgage-specific applications, such as credit underwriting, debt-to-income (DTI) validation, and automated appraisal reviews.Oversee the technical evaluation and comprehensive ownership of externally developed models, ensuring adherence to stringent internal standards for quality, performance, and scalability.Communicate model performance and portfolio insights to senior leadership, translating intricate data into actionable credit and business strategies.Collaborate with Model Risk Management (MRM) and governance teams to guarantee that all models are developed with the technical rigor necessary to meet complex regulatory and compliance requirements.Work alongside Product and Engineering teams to operationalize models, overseeing their deployment, real-time monitoring, and seamless integration into core business systems.Continuously explore and utilize in-house, external, and open-source ML frameworks to create the next generation of proprietary mortgage risk tools.

Join SoFi, a leading personal finance company, as a Data Scientist where you will leverage data to drive strategic decisions and enhance user experiences. In this role, you will analyze complex datasets, build predictive models, and collaborate with cross-functional teams to propel our innovative solutions forward.

Join the innovative team at SoFi Technologies, Inc., where you will play a pivotal role in designing user-centric products within our Home Loans division. As a Staff Product Designer, you will leverage your expertise to create intuitive and engaging experiences for our customers. Collaborating with cross-functional teams, you will contribute to the development and enhancement of our financial products, ensuring they meet the needs of our diverse clientele.

Employee Applicant Privacy NoticeAbout Us:Join us in shaping a brighter financial future. At SoFi, we are revolutionizing the personal finance experience for our millions of members through innovative mobile technology.As a next-generation financial services company and national bank, we pride ourselves on being at the forefront of an unprecedented transformation in the industry. Our core values guide our efforts every day, driving meaningful changes that impact people's lives. Invest in yourself, your career, and the financial world with us.SoFi is on the lookout for a seasoned and driven Senior Staff Data Engineer to lead our Data Engineering group within the SoFi Data Platform (SDP) division. The SDP's mission is to harness data across SoFi, enabling the development of personalized and engaging experiences for our members.The Role:In this position, you will have the chance to significantly influence and steer the architecture of our next-generation AI-powered SoFi Data Platform (SDP). You will enhance data reliability through AI-driven workflows, tools, and practices. You will be responsible for leading, defining, and tackling complex problems in a fast-paced, collaborative environment. The ideal candidate will be a mentor and technical leader who is hands-on, with a strong sense of ownership and a commitment to delivering results.

Employee Applicant Privacy NoticeAbout Us:Join us in shaping a brighter financial future.At SoFi, we are revolutionizing how individuals engage with personal finance. We are a forward-thinking financial services company and national bank leveraging cutting-edge, mobile-first technology to empower our millions of members in achieving their financial aspirations. As the industry undergoes unprecedented changes, we proudly stand at the forefront, fully aware that our contributions directly impact lives. Our core values guide us through every endeavor. Join us to invest in your future, your career, and the financial landscape.The Team:The Credit Team at SoFi is responsible for managing credit risk across our diverse lending products (including Student Loan Refinance, Private Student Loans, Personal Loans, Credit Cards, and Mortgages). This team develops innovative, data-driven credit strategies and policies for new account origination and portfolio management, alongside collections and recovery strategies. We ensure that our lending growth aligns with the company's risk appetite while focusing on our members' best interests.As a Senior Credit Manager, you will analyze and evaluate data to create and propose effective credit risk strategies and models for SoFi’s lending products, initially focusing on Personal Loans, but with opportunities to contribute to other products as well.Your key responsibilities will include independently developing and implementing Personal Loan underwriting strategies that align with our risk appetite, monitoring risk trends within the portfolio, and offering insights for strategy enhancements. You will collaborate with cross-functional teams, leveraging your business acumen, credit experience, and analytical skills to drive revenue, mitigate risk, and add value to both the company and our members.

Join SoFi as a Senior Lifecycle Marketing Manager for Home Loans, where you will lead innovative marketing strategies that drive customer engagement and retention. In this pivotal role, you will harness data-driven insights to create compelling campaigns across various digital channels. Your expertise will help us enhance the customer journey and maximize the impact of our marketing efforts.

Employee Applicant Privacy NoticeWho we are:At SoFi, we are on a mission to redefine personal finance and empower our members to achieve their financial goals. We are a forward-thinking financial services company and national bank utilizing cutting-edge, mobile-first technology to transform the financial landscape. Join us in making a tangible impact in people's lives while adhering to our core values. Invest in yourself, your career, and the financial future with us.The RoleThe Borrow Data Science team is on the lookout for a Staff Data Scientist to drive growth in our Personal Loans sector by harnessing the power of data. This is an exciting opportunity for an analytical professional to develop comprehensive reporting, uncover growth potential, and construct machine learning models utilizing tools such as Snowflake, Airflow, dbt, and Sagemaker.In your position as Staff Data Scientist, you will act as a data leader, managing urgent requests while delivering high-quality projects to critical stakeholders through a structured, data-driven approach. You will also be responsible for establishing reliable, efficient, and scalable data foundations, fostering a culture of technical ownership, and documenting your methods and insights to promote widespread strategies within the organization. Your analytical deep-dives will proactively identify impactful opportunities and inform future experimentation and product roadmaps.In this capacity, your expertise in data analysis, statistical modeling, and machine learning will reveal insights that directly contribute to product strategy and revenue enhancement. This role necessitates a robust technical proficiency (SQL, Python/R, Tableau, Statistics), a thorough understanding of business metrics, A/B testing, causal inference analysis, and excellent collaboration skills.Moreover, you will engage cross-functionally with teams from engineering, product management, lifecycle marketing, data science, design, operations, finance, risk, legal, compliance, and executive leadership.

Employee Applicant Privacy NoticeWho We Are:At SoFi, we are committed to shaping a brighter financial future. We are revolutionizing the way individuals engage with personal finance through innovative, mobile-first technologies that empower our members to achieve their goals. As a next-generation financial services company and national bank, we are at the forefront of unprecedented industry transformation. Join us in our mission to make a genuine impact on people’s lives, while investing in your own career and the financial landscape.The Role:We invite a dynamic and detail-oriented Senior Event Producer to join our Marketing team. This role is pivotal in creating unforgettable experiences that bolster brand loyalty and elevate product awareness. You will seamlessly connect high-level strategy with flawless execution, collaborating across the organization to bring the SoFi brand to life through large-scale member experiences, PR launches, social media activations, and financial wellness initiatives. You are a logistics virtuoso, a creative partner, and a confident communicator, equally adept with data-driven insights and engaging presentations. During the off-season, you will also support our creative studio with project management and campaign production.This position reports to the Executive Director of Creative Operations and plays a vital role within our exemplary project management and creative studio team, collaborating with talented marketers and strategists throughout the department.What You’ll Do:Strategic Planning: Collaborate with strategists, creatives, and product marketers to translate business objectives into impactful event concepts.End-to-End Execution: Manage the complete event lifecycle, from initial planning and RFP distribution to on-site logistics and post-event evaluation.Creative & Film Oversight: Partner with creative teams to ensure alignment with brand messaging and quality standards.

Employee Applicant Privacy NoticeAbout Us:At SoFi, we are on a mission to reshape the future of personal finance. Together with our community of members, we are revolutionizing the way individuals engage with their financial lives.As a pioneering financial services company and national bank, we leverage cutting-edge, mobile-first technology to empower millions of members in achieving their financial aspirations. The financial landscape is evolving rapidly, and we are leading that change. We take pride in knowing that our work has a meaningful impact on people's lives, driven by our core values. Join us to invest in your future, your career, and the financial ecosystem.The Role:SoFi is seeking a talented Senior Copywriter to become a vital part of our internal Creative Studio. You are a proactive and collaborative team player who can effortlessly embrace our brand's tone and style across diverse communications. Your main responsibility will be crafting branded content for various platforms including web, digital, social, blog, and print, specifically focused on our lending products. You will also have the opportunity to contribute to other areas of the Studio as needed. This is a contract position expected to last until the end of the year, with potential extension into early 2027.Key Responsibilities:Take charge of the entire concept and copywriting process for marketing initiatives, which may include:○ Email communications○ In-app messages○ Social media content○ Branding campaigns and associated assets○ Lead generation campaigns and materials○ Digital video scripts○ Website content (including our site, lead generation pages, partner pages) and other interactive elementsLeverage data to guide your creative decisions, balancing established practices with innovation.Collaborate closely with the design team to develop inventive solutions.Work with the Lifecycle Marketing team to shape the customer journey for prospects and members.Utilize AI tools (such as ChatGPT, Writer, Runway, Figma AI) to enhance your workflow—approaching them as amplifiers of creativity rather than shortcuts.Engage with stakeholders and reviewers to maintain a consistent brand voice.Explore new narratives to effectively convey our brand story—creating impactful and engaging content.

SoFi is hiring a Senior Data Scientist to focus on Credit Strategy. This position centers on using analytical expertise to support data-driven decisions that impact both customer experience and business goals. Role overview The Senior Data Scientist works closely with teams across the company to create, refine, and improve credit strategies. Collaboration is key, as the role involves partnering with colleagues from different areas to ensure credit solutions align with SoFi’s objectives. What you will do Design and implement credit strategies that support business outcomes Collaborate with cross-functional teams to optimize credit processes Apply advanced modeling and machine learning techniques to uncover insights Use data analysis to inform and guide strategic initiatives Requirements Strong analytical skills and experience with data-driven problem solving Background in advanced modeling techniques and machine learning Ability to work effectively with teams from multiple disciplines

Employee Applicant Privacy NoticeWho We Are:At SoFi, we are on a mission to revolutionize personal finance for our members. Through innovative, mobile-first technology, we empower millions of individuals to achieve their financial objectives. As a forward-thinking financial services company and national bank, we pride ourselves on our role in transforming the industry and making a positive impact on people's lives. Join us to invest in yourself, your career, and the future of finance.We are seeking a dynamic and technically proficient Staff Data Scientist to join our Member Data Science team. This role is pivotal in enhancing engagement and maximizing long-term member value, particularly within our premium subscription program, SoFi Plus. Your responsibilities will include gaining deep insights into engagement drivers, retention strategies, and subscription value within the SoFi ecosystem. You will establish and manage engagement measurement frameworks, conduct impactful analytical explorations, design causal experiments, and create scalable data solutions that shape product strategies for SoFi Plus.As part of the Member Organization, you will develop engaging and personalized experiences for our members across various product lines. In your role as Staff Data Scientist, you will collaborate closely with Product, Engineering, Lifecycle Marketing, and Leadership teams, influencing the engagement roadmap through insights on activation, feature adoption, habit formation, churn risk, and subscription adjustments. Your analytical skills will be essential in identifying key opportunities to boost subscription engagement and revenue, ensuring our investment decisions are driven by disciplined data analysis.This high-visibility position is cross-functional and will directly influence member experience and recurring revenue growth. It is an exciting opportunity for someone eager to make a significant impact on our company’s growth trajectory and member satisfaction.

Join SoFi as a Senior Data Scientist in our Credit Strategy team, where you will leverage data-driven insights to enhance our lending strategies and improve customer experiences. You will be responsible for developing advanced analytical models, utilizing machine learning techniques, and collaborating with cross-functional teams to drive data-centric decisions.

Join SoFi as a Staff Software Engineer focused on our Member AI Features. In this role, you will leverage cutting-edge technology to enhance user experiences, enabling our members to reach their financial goals. You will work in a collaborative environment to design, implement, and maintain high-performance software solutions that utilize artificial intelligence.

Employee Applicant Privacy NoticeAbout Us:At SoFi, we are committed to shaping a brighter financial future.We are revolutionizing the way individuals perceive and engage with personal finance. As a leading financial services company and national bank, we leverage cutting-edge, mobile-first technology to assist millions of members in achieving their financial aspirations. In an industry experiencing rapid transformation, we pride ourselves on making a direct and positive impact on people's lives, guided by our core values. Join us to invest in your future, your career, and the financial landscape.The Role:The Compliance Senior Data Scientist will play a pivotal role in enhancing our Anti-Money Laundering (AML) Compliance program through model development, optimization, validation, and data architecture. This position is key in our ongoing efforts to combat financial crime, supporting AML governance initiatives, risk assessments, and inquiries.Key Responsibilities:- Drive the development, implementation, assessment, and validation of AML models, ensuring robust risk coverage across various product lines including banking, brokerage, and lending.- Oversee the maintenance, testing, and configuration of AML vendor solutions to guarantee sound design and performance.- Analyze and evaluate large datasets for quality and suitability for AML model development.- Architect advanced AML models utilizing machine learning and statistical methods for both supervised and unsupervised learning.- Ensure model designs incorporate AML compliance and regulatory requirements.- Document methodologies, data sources, assumptions, and validation results.- Lead governance and quality control initiatives across AML processes.

Join Lyft as a Senior Data Scientist specializing in Risk Analysis, where you will leverage advanced analytics and machine learning to drive decision-making processes. Collaborate with cross-functional teams to develop innovative risk assessment models that enhance our service offerings and ensure safety for our users. Your expertise will play a crucial role in shaping our data-driven strategies.

Join Hilbert, a pioneering data science-first growth engine that empowers B2C teams with predictive insights into user behavior, revenue drivers, and strategies for sustainable growth. Our innovative platform transforms lengthy decision cycles into actionable insights within minutes.From Fortune 10 corporations to cherished brands such as FreshDirect, Blank Street, and Levain Bakery, teams leverage Hilbert for their growth strategies. We're also collaborating with leading AI organizations to push the boundaries of data science.We are in search of a Lead Data Scientist who possesses a systems thinking approach, deeply understands B2C business challenges, and is capable of developing the models and analyses that drive tangible growth outcomes for major consumer companies — all with the passion and urgency akin to that of a founder.This role transcends the traditional boundaries of data science; you will oversee the entire data science function — from defining problems to model development and measuring business impact — all while working with enterprise clients where feedback loops are rapid and outcomes are critical. If you can articulate the significance of a recommender system to a retailer's profit and loss statement, design adaptable machine learning solutions for various customers, and communicate causal impacts clearly to executives, we want to connect with you.THE ROLEYou will collaborate closely with the founding team, as well as the engineering, product, and go-to-market teams to define, develop, and enhance the data science systems central to Hilbert's operations. Expect to be hands-on daily — building models, conducting analyses, and exploring data — while also establishing scientific direction, ensuring rigor, and expanding the team. Our focus is exclusively on B2C; the challenges we tackle — demand forecasting, customer lifecycle management, personalization, and activation — necessitate a deep understanding of these domains and the ability to translate business context into model architecture decisions. You will thrive in an environment characterized by high autonomy and ambiguity, where data can often be incomplete, messy, or limited.What you'll do:Build — hands-on, every dayDesign and construct machine learning models that drive essential product functionalities: recommendation engines, search relevance, customer segmentation, demand forecasting, and activation strategies.Create configurable, multi-tenant model architectures that can adjust to varying customer contexts, data availability, and business needs without the necessity for complete redevelopment.Develop effective models using available data — focusing on extracting insights from limited, noisy, or sparse datasets.

Employee Applicant Privacy NoticeAbout Us:Join us in shaping a brighter financial future.At SoFi, we are transforming how individuals engage with personal finance, utilizing cutting-edge, mobile-first technology to empower our millions of members in achieving their financial goals. As a next-generation financial services provider and national bank, we are leading the way in a rapidly evolving industry. We take pride in our work, knowing it has a profound impact on people's lives, guided by our core values at every step. Invest in yourself, your career, and the financial landscape with us.We are seeking a talented Senior Data Scientist to make significant contributions to our Member Data Science team, focusing on propelling member growth through diverse initiatives. In this role, you will be crucial in establishing measurement frameworks and analytical systems that underpin our growth strategies from start to finish. Your responsibilities will include defining key performance indicators (KPIs), developing tracking systems, designing experiments, performing customer segmentation and price elasticity analyses, and enhancing member acquisition economics through predictive modeling.As a Senior Data Scientist in the Member Growth division, you will be responsible for defining and managing essential growth KPIs, constructing and maintaining reliable dashboards to monitor performance, and setting clear success metrics throughout the growth funnel. You will delve into analyses such as customer segmentation, funnel analysis, A/B testing, and trade-off assessments to pinpoint optimization levers for conversion, while becoming a subject matter expert in our member referral program. You will also develop models (e.g., propensity or uplift models) to guide targeting, prioritization, and investment decisions across growth initiatives. This role demands robust technical expertise (SQL, Python/R, Tableau, Statistics), a deep understanding of metrics, segmentation, experimentation, and excellent collaboration skills.This position is inherently cross-functional, requiring close collaboration with engineering, product management, lifecycle marketing, data science, design, operations, finance, and executive teams to set growth objectives, outline referral program strategies, prioritize features, share insights, and implement actionable solutions.

Employee Applicant Privacy Notice About SoFi SoFi is a national bank and next-generation financial services company focused on helping people reach their financial goals. The team builds mobile-first tools and products that support members in managing their money more effectively. SoFi values direct impact and aims to make a positive difference in people’s lives. Role Overview The Senior Marketing Data Scientist - Machine Learning will join the Marketing Data Science (MDS) team in San Francisco, CA. This role supports SoFi’s Marketing organization by providing analytics, building models, running experiments, and measuring performance to drive marketing and growth initiatives. Key work includes designing, building, and scaling machine learning models that improve acquisition, conversion, retention, and customer lifetime value (LTV) across SoFi’s product lines. The position uses behavioral, transactional, and credit data to develop predictive models and actionable insights. This role involves close collaboration with cross-functional teams to identify business needs, manage the end-to-end model development process, implement models in production, and monitor their ongoing performance. Regulatory compliance is an important aspect of the work. Main Responsibilities Design, develop, and deploy machine learning models to optimize customer acquisition, onboarding, and engagement for products such as loans, credit cards, investments, and cryptocurrency. Build predictive models for outcomes like Customer Lifetime Value (LTV), conversion rates, cross-sell and upsell effectiveness, and retention across channels including email, direct mail, in-app, and Operations. Work with structured and unstructured data (behavioral signals, transaction data, credit attributes) to enable audience segmentation and large-scale personalization. Maintain a feature store to streamline model development. Set up A/B testing frameworks to evaluate marketing strategies and measure their impact.

Employee Applicant Privacy NoticeAbout Us:Join us in shaping a brighter financial future.At SoFi, we are transforming personal finance for individuals everywhere. As a pioneering financial services company and national bank, we leverage innovative, mobile-first technology to help millions of members achieve their financial goals. In an era of unprecedented industry evolution, we are proud to lead the charge, making a tangible difference in people's lives guided by our core values. Become a part of our mission to invest in yourself, your career, and the broader financial landscape.The RoleAs a Senior Manager of Design for Home Loans at SoFi, you will play a pivotal role in redefining home financing. Your vision will guide new initiatives, set high standards for excellence, and foster unity across our product ecosystem. You'll be instrumental in advancing our design organization and nurturing your team's growth while connecting with various cross-functional partners.With SoFi's ambitious growth trajectory, your expertise will help us continue to disrupt the lending landscape, empowering our members to realize significant life milestones—from overcoming debt to purchasing their dream homes.Key ResponsibilitiesEstablish the design strategy for Home Purchase, Home Refinance, and Home Equity products.Drive innovative design solutions for SoFi members and internal agents, ensuring optimal loan options.Collaborate effectively with Product Directors, Engineering Senior Managers, Business leaders, Marketing & Operations to prioritize and strategize roadmaps.Act as a key partner in aligning roadmaps with cross-functional leads.Champion strong design practices from conception to launch, ensuring top-quality outcomes.