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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:

 We are seeking a seasoned credit risk leader to develop, oversee, and continuously improve the risk governance framework for Small Business Banking products. This leadership position requires a strategic thinker with extensive experience in credit risk, small business banking and money movement, a solid understanding of FinTech operations, and the ability to lead a high-performing team. The successful candidate will collaborate closely with cross-functional teams to ensure the continued success of our credit risk strategy.This role will establish and maintain risk policies, controls, reporting, and oversight mechanisms that ensure sustainable growth, regulatory compliance, and robust risk management across all small business banking products, including lending products. 

What you'll do:

 Risk Governance & Framework Development

• -Design, implement, and maintain a comprehensive risk governance framework for Small Business Banking

• Provide oversight across risk types for all product and feature launches as well as partner with 1LOD risk owners on ensuring we are appropriately identifying, monitoring, and mitigating risks as part of our framework programs as we scale and grow this business.

• Oversee credit risk policies, underwriting standards, credit guidelines, and portfolio management procedures.

• Establish governance routines including reporting to risk committees

• Challenge and validate new account strategies to minimize risk.

• Assist with regulator/auditor requests and remediation plans.

Portfolio Risk Management

• Monitor portfolio performance, early warning indicators, and key risk metrics; ensure issues are escalated promptly.

• Analyze macroeconomic data for business impact forecasts, trend analysis, and stress scenarios viability.

• Recommend strategy adjustments based on performance results, market conditions, and regulatory developments.

What you'll need:

• 10+ years of experience in credit risk management, underwriting, or risk governance in Small Business Lending or adjacent commercial/small-ticket lending segments.

• Deep understanding of small-business banking and credit products, including term loans, lines of credit, SBA loans, merchant cash products, checking or embedded finance.

• Strong knowledge of regulatory frameworks (ECOA, Fair Lending, UDAAP, SBA SOPs) and portfolio risk management practices.

• Experience specifically with stress testing, model analytics, benchmarking, and review/challenge functions.

• Demonstrable ability to provide robust oversight, review, and challenge of risk management processes, portfolio risk reports, and credit data.

• Comprehensive understanding of credit analysis, counterparty risk, risk measurements, and portfolio stress testing. Knowledge of scenario design, sensitivity shocks, macroeconomic variables, and the risk identification process. Proficiency in using risk management tools and exposure monitoring processes.

• Exceptional analytical, communication, and executive presence skills.

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!

Pay range: $160,000.00 - $275,000.00

Payment frequency: Annual

This role is also eligible for a bonus, long term incentives and competitive benefits. More information about our employee benefits can be found in the link above.

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 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.