Risk Management Jobs 2026 (Now Hiring) – Smart Auto Apply

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The Role: 

This role plays a key role in contributing, developing, and maturing an industry-best Credit Risk Management organization across SoFi Technologies, Inc. The incumbent will architect comprehensive risk management capabilities for a rapidly growing bank holding company - ensuring robust defensive and offensive capabilities - maturing foundational risk identification/risk mitigation, risk management frameworks, and risk culture.  The contributor will play an essential role in fostering regulatory readiness and maturing a strong effective challenge second-line Credit Risk function.    

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 Credit Risk across all SoFi's lending products - Unsecured, Secured and Commercial Lending.   The analyst will conduct credit/behavioral/financial analytics or predictive modeling to assess risks and opportunities for the bank portfolios and translate results into recommendations.

The 2LOD Senior Risk Analyst will leverage internal and external data sources and technology capabilities in support of the oversight function.  Perform analysis to research credit and consumer behavior trends, understand their drivers, and conduct impact assessments on consumer credit portfolios. Evaluate how changes in the  environment impact credit performance - with a particular focus on macroeconomic, socioeconomic, and competitive intelligence trends. Research topics sourced internal and general industry trends and proactively apply quantitative disciplines to associate topics with potential emerging risks around delinquency, loss and roll-rates, and forecasts. 

What you'll do: 

• Provide analytical support for data-driven insight generation through a combination of Credit domain expertise and analytical thought processes

• Generate insights, design analytics, and deliver visualizations to influence strategic decisions

• 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 Credit Risk and evaluate the effectiveness of current policies and procedures

• Build compelling data visualizations and distill key information clearly

What you'll need:

• 12+ years of Credit Risk Analytics industry experience with a bachelor's degree in a quantitative discipline; Master's Degree preferred

• Industry knowledge, including a sound understanding of relevant regulations as they apply to lending

• Proactive go-getter with energy and passion to work in a fast-paced environment and ability to generate creative ideas

• 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

• 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

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: $137,600.00 - $236,500.00

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.