Senior Data Scientist, Credit Strategy at SoFi

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, 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.

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.

Employee Applicant Privacy NoticeAbout Us:Join us in shaping a brighter financial future.At SoFi, we are revolutionizing how individuals interact with personal finance. As a forward-thinking financial services company and national bank, we utilize innovative, mobile-first technology to empower millions of members to achieve their financial goals. The finance industry is undergoing a significant transformation, and we are leading the charge. Every day, we come to work with the knowledge that our efforts have a tangible impact on people's lives, guided by our core values. Become part of our mission to invest in yourself, your career, and the financial landscape.Your RoleThe Borrow Data Science team is on the lookout for a Senior Data Scientist who will play a crucial role in driving growth across our Lending sectors by converting raw data into actionable insights that fuel our success. This position is perfect for an inquisitive data scientist who is driven to discover insights in advance of requests.To excel in this role, you must function as a strategic partner; you are more than just a technical executor—you are an analytical storyteller who bridges the gap between intricate data and business strategy. You will leverage technical skills in SQL, Python, dbt, and Airflow to build robust pipelines in Snowflake, while your true influence will manifest through leading cross-functional initiatives and advocating for data-driven decisions that shape the product roadmap.Key ResponsibilitiesProactive Insight Generation: Harness your curiosity to explore data deeply, uncovering trends and opportunities that may be overlooked, and share these findings proactively with leadership.AI Innovation: Serve as a catalyst for AI integration within the team. Identify and implement AI tools and workflows that enhance data engineering tasks, expedite analysis, and drive substantial business results.Analytical Storytelling: Transform complex quantitative analyses into clear, convincing narratives that enable business leaders to make informed, high-impact decisions.Strategic Leadership: Collaborate with cross-functional teams to optimize core product decisions, including funnel conversion, experimentation, and unit economics.

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.

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 SoFi as a Senior Staff Data Scientist in our Investment division, where you will leverage your analytical expertise to drive data-driven decision making. You will work collaboratively with a talented team to develop advanced models and algorithms that enhance our investment strategies and product offerings.Your role will involve analyzing large datasets, interpreting complex data insights, and presenting actionable recommendations to stakeholders. If you are passionate about data science and its impact on financial services, we want to hear from you!

Employee Applicant Privacy NoticeAbout Us:Join us in shaping a brighter financial future. We’re revolutionizing personal finance by empowering our members with innovative, mobile-first technology to achieve their goals. As a next-generation financial services company and national bank, we're leading an unprecedented transformation in the industry, making a direct impact on lives every day. Join us to invest in yourself, your career, and the financial world.Role Overview:The Borrow Data Science team is in search of a Senior Staff Data Scientist to propel growth in our Home Loans division, enhancing SoFi's data execution capabilities. This pivotal role invites you to apply your analytical expertise to develop robust reporting, pinpoint growth opportunities, and construct machine learning models using tools such as Snowflake, Airflow, dbt, and Sagemaker.As a Senior Staff Data Scientist, you will lead data initiatives, balancing urgent needs with high-quality project delivery to key stakeholders through a clear, data-informed methodology. You will take on a technical leadership role, helping to develop reliable, efficient, and scalable data infrastructures, fostering a culture of technical ownership, and documenting your approaches to disseminate strategies throughout the organization. You will conduct analytical deep-dives to proactively identify impactful opportunities that will inform future experimentation designs and product roadmaps.In this position, you’ll leverage your proficiency in data analysis, statistical modeling, and machine learning to reveal insights that will directly shape product strategy and drive revenue growth. This role requires a solid technical foundation (SQL, Python/R, Tableau, Statistics), a deep understanding of business metrics, A/B testing, causal inference analysis, and superior collaboration skills.

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 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.

Join SoFi as a Senior Data Scientist Manager specializing in Portfolio Management and Loss Mitigation. In this key role, you will lead a team of talented data scientists to develop innovative models and strategies that mitigate risk and optimize portfolio performance. You will collaborate with cross-functional teams to leverage data insights and drive decision-making processes that enhance our financial products and services.Your expertise will be crucial in shaping the data-driven culture at SoFi, ensuring we remain at the forefront of financial technology.

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 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 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.

At Earnest, we empower determined individuals to make informed financial choices and create the future they desire.The Earnest team is dedicated to guiding borrowers towards a confident financial journey by providing smarter loan options and a clearer understanding of debt management. If you share our passion for this mission, we invite you to learn more and join us in building something exceptional.The Role of Senior Credit Strategy AnalystYou will report directly to the Senior Credit Risk Manager for Personal Loans. In this role, you will:Lead the comprehensive implementation of credit and fraud policies across all Earnest product lines, ensuring precise testing, deployment, and validation to align with policy objectives.Enhance and refine credit underwriting and fraud prevention strategies for personal loans, focusing on the balance between growth, risk, and customer experience.Evaluate portfolio performance and analyze approval funnels and fraud trends to uncover opportunities for strategy improvement and loss reduction.Create, test, and implement decision rules, segmentation strategies, and policy modifications using data-driven experimentation techniques.Collaborate cross-functionally with Product, Data Science, Compliance, and Operations to ensure the effective execution and monitoring of strategies.Develop dashboards, reporting systems, and monitoring frameworks to track essential credit and fraud KPIs, including approval rates, losses, and fraud rates.Support governance of models and strategies through documentation, controls, and performance assessments.

Join Airwallex as a Senior Data ScientistAt Airwallex, we are revolutionizing the payment and financial landscape for global businesses. Our all-in-one platform empowers over 200,000 companies worldwide, including renowned brands like Brex, Rippling, Navan, Qantas, and SHEIN, to manage their business accounts, payments, spend management, and treasury solutions seamlessly.Founded in Melbourne, our diverse team of over 2,000 innovators spans across 26 offices globally. With a valuation of US$8 billion and support from top-tier investors such as T. Rowe Price, Visa, Mastercard, and Sequoia, we are at the forefront of creating the future of global finance. If you are ready for a career-defining challenge, we invite you to join our mission.What We Look ForWe are seeking dynamic individuals with a builder’s mindset who thrive on making a significant impact and possess a passion for learning. You should bring expertise in data science, along with critical thinking skills that align with our mission and operating principles. We value speed, curiosity, and sound judgment, allowing you to explore data deeply and make informed decisions.Collaboration is key at Airwallex; we need team players who can transform innovative ideas into tangible products. As a Senior Data Scientist, you'll tackle complex challenges, leveraging AI to enhance efficiency and effectiveness in our operations.About Your TeamYour role will involve collaborating closely with Product, Growth, and Commercial teams to enhance our data science capabilities. We are looking for someone who takes ownership from the outset, delving deep into data analysis to uncover the reasons behind shifts in outcomes, while skillfully balancing analytical approaches with business context. You will use AI to convert insights into scalable solutions that drive revenue growth and operational efficiency.

Employee Applicant Privacy NoticeAbout Us:Join us to reshape the future of finance.At SoFi, we are transforming how individuals approach personal finance, empowering our members to achieve their financial goals through innovative, mobile-first technology. As a leading financial services company and national bank, we are at the forefront of an industry-wide evolution. Our mission is to positively impact lives while adhering to our core values. Become part of our journey to enhance your career and contribute to the financial landscape.We are looking for a talented Senior Software Engineer to join our emerging crypto team. SoFi is expanding its offerings in the crypto space by developing secure, user-friendly products and services that cater to our members' needs, including crypto investing, transfers, payments, custody, and more.In this role, you will be deeply involved in all aspects of our development process—designing system architecture, implementing features, debugging, and ensuring the integrity of our codebase, while also advancing your skills as an engineer. The ideal candidate is proactive, hands-on, and possesses a strong sense of ownership and commitment to success. Collaboration is key at SoFi; you will work closely with Product, Design, and Engineering teams throughout the entire product lifecycle—from conception to deployment and ongoing enhancements.At SoFi, our vision is to be integral to our members' financial lives, assisting them in achieving financial independence. We began with student loan refinancing, addressing significant financial challenges for a new generation with a modern lending approach. As we expand our services across loans, wealth management, and insurance, we are committed to continued growth, driven by exceptional talent like you.

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.