Lead Credit Risk Strategist

2 weeks ago

Frisco, Texas, United States SoFi Full time

Employee Applicant Privacy Notice

Who we are:

Shape a brighter financial future with us.

Together with our members, we're transforming the landscape of personal finance.

As a pioneering fintech organization, we leverage cutting-edge, mobile-first technology to empower millions of members in achieving their financial aspirations. The financial sector is experiencing a remarkable evolution, and we are leading the charge. We take pride in our daily contributions, knowing our efforts significantly influence individuals' lives, guided by our core values. Join us to invest in yourself, your career, and the financial world.

The team

SoFi's Credit team oversees credit risk management for our lending offerings (including Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - encompassing credit strategies for new account initiation and portfolio oversight, collections/recovery strategies and operations, as well as risk and operational data science and analytics. The team crafts data-driven strategies to ensure that lending growth aligns with the company's risk appetite while creating products and experiences that prioritize our members' interests.

What you'll do:

  • Construct loss forecasting models and projections for SoFi's lending products, such as Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card.
  • Develop stress testing frameworks utilizing macro-economic data to provide actionable insights for the business and enable proactive planning for economic fluctuations.
  • Enhance forecasting precision and efficiency. Ensure robust documentation and controls surrounding forecasting methodologies and procedures.
  • Assess and monitor asset concentration, continuously refining the framework to manage concentration risks effectively.
  • Forge strong partnerships with colleagues and business stakeholders, including Business Units, Finance, and Capital Markets. Maintain ongoing communication with partners to align results and expectations.
  • Extract strategic insights from data through statistical analysis tools to inform decisions and support SoFi's overarching strategic objectives related to loss prevention and profit maximization. Introduce innovative thinking, data sources, technologies, and capabilities to SoFi.
  • Be inspired by dynamic leaders and our rapidly expanding business. We are seeking the most talented, passionate, and quantitatively skilled team members.

What you'll need:

  • 7+ years of relevant experience
  • Demonstrated advanced analytical and technical expertise in conducting complex data analysis and developing loss forecasting models and projections
  • Business acumen and experience in the consumer lending sector (loans or credit cards)
  • Proficient in SQL and Python
  • Proven ability to synthesize and communicate analysis to business partners and senior management
  • High motivation to drive results, eagerness to learn, and capability to collaborate in a dynamic environment
  • Preferred: 5+ years of experience in loss forecasting
  • Preferred: Advanced degree (Master's or PhD) in a quantitative field such as Statistics, Mathematics, Engineering, or Computer Science
  • Preferred: Experience in Asset Concentration or Stress Testing
Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to embracing diversity. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

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