About the job
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About 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.

