Credit Strategy Manager

SoFi; Charlotte (NC); On-site; USD 80,000 - 100,000; Full time

Job summary

SoFi in Charlotte, North Carolina is seeking an experienced individual to lead credit risk strategies. Your role will focus on developing and analyzing strategies for lending products using innovative, mobile‑first technology.

The ideal candidate will have over 4 years of experience in consumer lending and a background in credit risk analysis. Proficiency in analytical tools such as SQL, Python, and Tableau is essential for success in this position, which offers a competitive compensation package and comprehensive benefits.

Qualifications

• 4+ years of related experience in consumer lending or credit risk.
• Direct experience in the credit strategy analytical lifecycle.
• Proven analytical skills using customer performance data.

Responsibilities

• Build risk strategies for pre‑screen and underwriting.
• Conduct data analysis for real‑time lending decisions.
• Monitor strategy performance and drive corrective actions.

Skills

Consumer lending experience

Credit risk analysis

Data analysis

Proficiency in Excel

SQL skills

Python proficiency

Communication skills

Analytical skills

Education

Bachelor's degree in a quantitative field

Master’s or PhD in Statistics, Mathematics, Engineering, or Computer Science

Tools

Tableau

Job description

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. Our credit team manages credit risk activities for lending products including Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage, and designs data‑driven strategies to grow the business while managing risk.

What you’ll do

• Bring your brightest ideas to building risk strategies, including architecting pre‑screen and underwriting strategies.
• Lead deep data analysis to power real‑time lending decisions using internal, bureau, third‑party, and alternative data sources.
• Embrace a culture of iteration, learning, and innovation to drive data‑driven decisions.
• Control risk and drive performance outcomes by understanding credit risk, mitigating loss, and responsibly growing revenue. Monitor strategy performance, document and communicate results, and drive corrective actions.
• Serve as an inspired leader in a rapidly growing business, mentoring peers and collaborating across product, engineering, capital markets, and business units.

What you’ll need

• 4+ years of related experience in consumer lending or credit risk.
• Business acumen and experience in the consumer lending business (loans or credit cards).
• Direct experience in the credit strategy analytical lifecycle, including strategy development, decision tree creation, presentation, implementation validation, and post‑implementation monitoring.
• Proven analytical skills using customer performance data, bureau attributes, and third‑party variables to solve business problems.
• Proficiency in Excel, SQL, and Python.
• Ability to synthesize complex analysis and communicate findings to business partners and senior management.
• High motivation to drive results, eagerness to learn, and collaboration in a fluid environment.
• Knowledge of analytical and modeling techniques such as decision trees, regression, logistic regression, A/B testing, and Tableau.
• Preferred: 4+ years of consumer lending credit strategy work experience.
• Preferred: Experience testing credit strategies or models to meet fair lending requirements.
• Preferred: Advanced degree (Master’s or PhD) in a quantitative field such as Statistics, Mathematics, Engineering, or Computer Science.

Compensation & Benefits

The base pay range for this role is listed below. Final offer will depend on experience, skills, and location. To view our comprehensive benefits, visit our Benefits page.

Equal Employment Opportunity

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, gender identity, national origin, age, disability, marital status, genetic information, military or veteran status, or any other basis prohibited by 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.