Senior Credit Risk Analyst

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 SoFi Technologies Inc. is seeking a skilled and experienced Senior Staff Credit Risk Analyst to join our dynamic team. As a key contributor, you will play a crucial role in the development and execution of industry best Credit Risk Management. The incumbent will improve comprehensive risk management capabilities for a rapidly growing bank holding company – ensuring robust defensive and offensive analytical capabilities. The contributor will foster regulatory readiness and mature a strong, effective challenge second‑line function across Credit Risk. The Credit Risk Oversight (2LOD) Senior Staff Credit Risk Analyst role is critical to success across SoFi Technologies, Inc., SoFi Bank, NA, and operating subsidiaries. The incumbent will contribute to the second‑line oversight of credit risk across all SoFi’s Small Business lending products. The role will perform advanced analytics to identify gaps and opportunities in the credit risk strategies and policies to ensure effective controls, performance monitoring and maintain an effective challenge environment. What you’ll do Provide analytical support for data‑driven insight generation to effectively challenge the first line Credit through a combination of Small Business loan expertise and high‑quality analytical thought processes. Support 2nd line Small Business Credit Risk by driving robust monitoring and adherence to risk appetite, risk identification, issue management and regulatory reporting. Monitor operational performance, roll rates, delinquent inventory, and credit loss trends; perform diagnostic analyses on all aspects of portfolio management policies to assure strategies are fully optimized and communicate these trends to management. Review KPI/KRIs to monitor credit performance and evaluate the effectiveness of current policies and procedures. What you’ll need Bachelor's degree and 12+ years of related experience or Master's degree and 8+ years of related experience. Industry knowledge, including a sound understanding of relevant regulations. Proactive go‑getter able to work in a fast‑paced environment and proven ability to innovate. High motivation to drive change, eagerness to learn, and ability to work collaboratively in a complex and fluid environment. Demonstrated ability to think critically to identify and solve problems through structured analytical reasoning; excellent verbal, written and presentation/story‑telling skills to bring analysis findings to the forefront and influence change. Proven analytical and data mining skills; excellent command over one or more of SQL, Python, R, SAS. Previous experience creating analytics on Tableau a plus. Working familiarity with automated monitoring tools and incident remediation. 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. NewYork 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 View email address on click.appcast.io. 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. #J-18808-Ljbffr