Senior Credit Manager

Responsibilities

• Architect credit underwriting, pre-screen targeting, and risk tier assignment
• Develop and implement Personal Loan underwriting strategies to meet risk appetite
• Analyze and monitor risk trends within the portfolio to provide insights and recommendations
• Use multi-product internal, bureau, third-party, and alternative data sources to power lending
• Collaborate with Business Units, Operations, Marketing, Finance, Legal, and Compliance
• Monitor strategy performance and document results to mitigate loss and grow revenue

Requirements

• 7+ years of unsecured credit risk and data science experience
• Experience in consumer lending (loans or credit cards)
• Direct experience in the credit strategy analytical life cycle
• Advanced SQL and Python skills for segmentation and risk modeling
• Experience with PD/LGD/EAD risk modeling (decision trees, logistic regression)
• Ability to conduct statistically rigorous experiment design
• Advanced degree (Master’s or PhD) in a quantitative field like Statistics, Mathematics, Engineering, or Computer Science

About the Company

SoFi is a next-generation financial services company and national bank using innovative, mobile-first technology to help millions of members reach their financial goals.