Senior Credit Policy Analyst

Employee Applicant Privacy Notice
Who we are:
Shape a brighter financial future with us.

Together with our members, we're changing the way people think about and interact with personal finance.

We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way.
Join us to invest in yourself, your career, and the financial world.
The role:
The Senior Credit Policy Analyst is a critical contributor to the delivery, clarity, and automation of SoFi's credit policy across its Home Loans portfolio—including Conforming, Government (FHA/VA/USDA), Closed-End Seconds (CES), and Portfolio products.

In this role, you will own the development, documentation, and operationalization of credit policies and underwriting criteria, ensuring they are aligned with investor requirements, digitally executable, and scalable. You will drive cross-functional collaboration, policy research, and system-level implementation—playing a hands-on role in enabling automated, risk-aligned lending across SoFi's ecosystem.

What you'll do:
Policy Development & Execution

• Develop and maintain credit policies across SoFi's product lines based on investor guidelines and internal strategy
• Collaborate with stakeholders to digitize and automate policies (especially income analysis, asset rules, and credit requirements)
• Draft and publish internal policy guides, overlays, and operational procedures

Research & Competitive Intelligence

• Lead research efforts on investor/agency bulletins and market shifts
• Summarize investor announcements (Fannie Mae, Freddie Mac, FHA, VA, USDA, and aggregators) with application recommendations
• Compile research memos and clarification documents for leadership review and use

Cross-Functional Credit Delivery Support

• Act as the tactical product owner for credit policy execution
• Translate policy changes into decision logic for credit rules engines and Encompass LOS
• Support UAT testing and release validation for policy-driven changes

Communication & Documentation

• Draft credit policy communications and contribute to operating procedure manuals, job aids, and playbooks
• Ensure version control and audit trail adherence for all policy changes and supporting research
• Provide written responses to internal stakeholders, Capital Markets, and investor partners on guideline interpretation and intent

Escalations & Inquiries

• Serve as the first point of contact for policy questions and exception reviews
• Identify themes in escalations to inform future policy enhancements

Investor Engagement & Audit Readiness

• Support investor guideline vetting and acceptability requests
• Ensure all policy activity meets compliance, audit, and risk governance standards

What you'll need:

• Bachelor's degree or equivalent combination of education and experience
• 10+ years of residential mortgage experience, with a focus in underwriting, credit policy, or credit risk Deep knowledge of Conventional, FHA, VA, USDA, Home Equity, Non-Agency, Non-QM loan programs
• Experience developing and maintaining credit guidelines, overlays, and investor-facing documents
• Strong understanding of income analysis rules and how to digitize underwriting logic
• Familiarity with Encompass LOS and credit decisioning systems
• Excellent writing, prioritization, and problem-solving skills
• Proficiency in Microsoft Word, Excel, and Outlook

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 an inclusive culture. 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 or email

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

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.