Senior Data Scientist - Credit Strategy

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 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 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 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.

Join SoFi as a Senior Data Scientist focusing on Credit Strategy, where you will leverage your analytical skills to drive data-driven decision-making. You will collaborate with cross-functional teams to design, implement, and optimize credit strategies that enhance customer experiences and business objectives. Utilize advanced modeling techniques and machine learning algorithms to uncover insights and inform strategic initiatives.

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.

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 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.

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.

About SemgrepSemgrep stands at the forefront of code security, empowering developers to innovate seamlessly. Our platform enables teams to identify, flag, and resolve genuine security issues before deployment, supported by an adaptive security system that evolves with their development process. Semgrep not only safeguards code in real-time but also offers essential guardrails that facilitate rapid development without compromising security. Trusted by top organizations like Snowflake, Dropbox, and Figma, we are recognized by Gartner for excellence in Application Security Testing. To learn more about our mission, visit semgrep.dev.Founded in San Francisco and backed by prominent investors including Menlo Ventures and Sequoia Capital, Semgrep is dedicated to continuous improvement, ensuring that our AI-driven system minimizes false positives and prioritizes actionable vulnerabilities. Experience the future of secure coding with us.

Join Mercor as a Data ScientistAt Mercor, we stand at the forefront of labor markets and artificial intelligence research. We collaborate with top-tier AI laboratories and businesses to infuse the human intelligence crucial for the evolution of AI.Our expansive talent network empowers frontier AI models, mirroring the way educators impart knowledge: sharing insights and experiences that transcend mere coding. Currently, our network boasts over 30,000 experts generating more than $2 million daily.We are pioneering a new work paradigm where specialized expertise drives AI progress. To realize this vision, we seek a dynamic, fast-paced, and dedicated team. You will collaborate with leading researchers, operators, and AI companies, playing a pivotal role in the systems that are reshaping society.As a profitable Series C company, Mercor is valued at $10 billion and operates from our new headquarters in San Francisco with an in-office work schedule five days a week.Your RoleIn your first year, you will implement analyses and experiments that enhance key product metrics, including match quality, time-to-hire, candidate experience, and revenue. Your responsibilities will include:Establishing north-star and feature-specific metrics for our ranking systems, interview analytics, and payout frameworks.Designing and executing A/B tests and quasi-experiments, translating results into product decisions within the same week.Creating source-of-truth dashboards and streamlined data models to enable teams to self-serve answers.Collaborating with engineers to instrument events, enhancing data quality and latency from ingestion to insights.Rapidly prototyping models (from baseline models to gradient boosting) to optimize matching and scoring.Assisting in the evaluation of LLM-powered agents through the design of rubrics, human-in-the-loop studies, and guardrail mechanisms.What Makes You a Great FitYou possess strong foundational skills in statistics, SQL, and Python, alongside projects you are eager to showcase. You adapt swiftly, frame inquiries, test hypotheses, and deliver results within a day, valuing clarity in communication as much as statistical significance. A keen interest in LLM evaluation, retrieval, and ranking is a plus; you will learn alongside professionals from renowned firms such as Jane Street, Citadel, Databricks, and Stripe.

Superhuman offers an engaging hybrid working model for this role. This flexible approach provides team members with a balance of focused time and in-person collaboration, fostering trust, innovation, and a vibrant team culture. Team members for this position must reside in the San Francisco Bay Area. About SuperhumanSuperhuman, now part of Grammarly, is an AI productivity platform dedicated to unlocking extraordinary potential in everyone. Our suite of apps and agents seamlessly integrates AI into over 1 million applications and websites, including Grammarly’s writing assistance, Coda’s collaborative workspaces, Mail’s inbox management, and Go, the proactive AI assistant that comprehends context and provides automatic assistance. Founded in 2009, Superhuman empowers more than 40 million individuals, 50,000 organizations, and 3,000 educational institutions worldwide to eliminate busywork and concentrate on what truly matters. Discover more at superhuman.com and explore our values here.The OpportunityTo achieve our ambitious goals, we are seeking skilled Data Scientists to join our Product and Growth Data Science teams. At Superhuman, data teams are regarded as trusted experts who reveal new insights to shape marketing, product, and growth strategies that drive significant outcomes across the organization. We have access to large datasets and are looking for individuals with exceptional technical and analytical abilities who can dissect complex business challenges and offer solutions that deliver high visibility and impactful results for the company.Growth Data Scientists collaborate closely with product, engineering, growth, and/or lifecycle marketing teams. They are tasked with designing and executing product experiments, as well as performing intricate analyses to guide product strategy through advanced analytics and machine learning. The ideal candidate will possess a proven record of delivering significant analytical projects within the Growth domain and working alongside cross-functional colleagues to influence decision-making.Product Data Scientists are responsible for assessing the quality of the Superhuman products, ensuring that our offerings are not only innovative but also user-friendly and effective.

Employee Applicant Privacy NoticeAbout Us:Join us in reshaping the future of personal finance. At SoFi, we are committed to transforming how individuals engage with their financial well-being. As a cutting-edge financial services provider and national bank, we employ state-of-the-art, mobile-first technology to empower our vast membership base in achieving their financial aspirations. Our mission is clear: to lead the industry through an unparalleled evolution while remaining steadfast in our core values that guide us daily. We invite you to invest in your career and the financial landscape with us.Join Our Team: We are seeking a talented Senior UX Researcher to play a critical role in defining our product strategy and facilitating user-centric decisions across the organization. At SoFi, our focus is on enabling our members to attain financial independence through a diverse array of products, including credit score monitoring, banking services, investing, credit cards, personal loans, student loans, home loans, and beyond.

Join Mixpanel as a Data Scientist and contribute to our mission of helping businesses make data-driven decisions. In this role, you will analyze complex datasets, develop predictive models, and provide actionable insights to enhance our product offerings.

Join Mindlance as a Data Scientist, where you will leverage data to drive insights and support decision-making processes. You will be responsible for analyzing complex datasets, developing predictive models, and collaborating with cross-functional teams to enhance business strategies.

Join Metriport as a Data Scientist and be at the forefront of data-driven decision making! In this role, you will leverage advanced analytics and machine learning techniques to derive insights from complex datasets, enhancing our product offerings and driving strategic initiatives.