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**The role**:
SoFi Technologies Inc. is seeking a skilled and experienced 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 play an essential role in fostering regulatory readiness and maturing a strong effective challenge second-line function across Credit Risk.
**Key responsibilities include second-line oversight of**:
The Credit Risk Oversight (2LOD) Senior 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 Originations Credit Risk across all SoFi's lending products - Unsecured, Secured and Commercial Lending.



The analyst will perform advanced analytics to identify gaps and opportunities in Credit 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 provide effective challenge to 1st LOD - through a combination of Credit domain expertise and high-quality analytical thought processes
- Support 2nd line Consumer Lending Originations Credit Risk at SoFi and drive robust adherence and measuring to RAS metrics, 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 credit policies to make sure strategies are fully optimized. Effectively communicate these trends to management
- Help review KPI/KRIs to ascertain the state of Originations Risk and evaluate the effectiveness of current policies and procedures
**What you'll need**:
- 3+ years of Credit Risk Analytics industry experience with a bachelor's degree in a quantitative discipline; Master's Degree preferred
- Proactive go-getter with a lot of energy to work in a fast-paced environment and ability to come up with creative ideas to help take SoFi's Credit Analytics to the next level




- High motivation to drive change, eager to learn, and able 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
- Experience with regulatory compliance and standards across the Consumer Life Cycle is a plus, specifically in Originations Credit Risk and effectively and concisely communicating adherence
- Working familiarity with automated monitoring tools and incident remediation
- Strong analytical and problem-solving skills to evaluate workflows and procedures; identify and resolve problems in a timely manner; develop alternative solutions; work well in group problem-solving situations; use reason even when dealing with emotional topics; support SoFi's overarching strategic goals relative to loss prevention
**Compensation and Benefits**
To view all of our comprehensive and competitive benefits, visit our **Benefits at SoFi** **page!
**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**:
**Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.**:
**Internal Employees

📌 2lod Credit Risk - Collections (Ciudad de México)
🏢 SoFi
📍 Ciudad de México