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Credit Strategy Analyst/Data Scientist, Personal Loans
Social Finance (SoFi) | |
remote work | |
United States, Montana, Helena | |
920 Front Street (Show on map) | |
March 27, 2024 | |
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 fintech company 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 team SoFi's Credit team manages credit risk strategies for our lending products (Personal Loan, Student Loan Refinance, Private Student Loan, Credit Card, and Mortgage) - including underwriting strategies for new account origination and portfolio risk management strategies, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to enhance our products' profitability and member experience. The Credit Strategy Analyst/ Data Scientist, Personal Loans, will work in the Credit risk team with 1LOD (first line of defense) responsibilities. They will analyze diverse big-data sources to develop credit underwriting strategy proposals for enhancing profitability and generate actionable insights and solutions for the risk management of SoFi's lending products. The initial focus of the role will be on Personal loans, but the candidate may get opportunities to work on other lending products in the future, such as Student Loans and Credit Cards. The candidate will be responsible for developing and implementing personal loan underwriting, risk tiers and loan amount assignment strategies that meet our risk appetite, monitoring and analyzing the loss trends within the portfolio to provide insights and recommendations for strategy enhancement opportunities. The Credit Strategy Analyst/ Data Scientist will collaborate with cross-functional teams such as Business Units, Capital Markets, Product, and Engineering, and use business knowledge and quantitative and analytical skills to drive revenue, control loss, and provide value to the company and consumers. The ideal candidate will possess a data-driven analytics background and the business acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support SoFi's overarching strategic goals relative to loss prevention and profit optimization. They bring new ways of thinking, data sources, technologies, and capabilities to SoFi. What you'll do:
What you'll need:
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.
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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 or email accommodations@sofi.com. 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. |