Senior Credit Product Owner – Home Loans

Social Finance, Inc. (SoFi); Frisco (TX); Remote; USD 115,000 - 216,000; Full time

Job summary

A leading financial services company is hiring a Senior Credit Product Owner for its Home Loans division. This pivotal role focuses on developing and executing SoFi's mortgage credit products, driving innovation in credit program design and execution, and collaborating across multiple departments to enhance product delivery and compliance.

Benefits

Bonus eligibility

Long-term incentives

Comprehensive benefits package

Remote work options

Qualifications

• 7–10+ years of experience in mortgage product management or credit program ownership.
• Deep understanding of Conventional, Jumbo, FHA, and Portfolio mortgage programs.
• Ability to operate in Agile frameworks.

Responsibilities

• Define and manage the roadmap for credit policy execution across Home Loans.
• Lead end-to-end delivery of credit initiatives and drive Agile ceremonies.
• Partner with business and capital markets to translate requirements into product features.

Skills

Mortgage product management

Credit product ownership

Agile leadership

Excellent communication

Collaboration

Tools

Jira

Confluence

LOS systems

Pricing engines

Job description

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Senior Credit Product Owner – Home Loans

Operations Sales and Service

Operations Sales and Service US - Remote (Contingent Worker)
TX - Frisco

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.

We are seeking a Senior Credit Product Owner to drive the development and execution of SoFi’s mortgage credit products across Conventional, Jumbo, FHA, and Portfcredit strategy into scalable, technology-enabled solutions. This is not an operations or exception review role—this is a true product leadership role focused on driving innovation in credit program design, implementation, and optimization.

You will lead credit product initiatives from concept to deployment, working across Product, Engineering, Capital Markets, Risk, and Operations to bring world-class credit capabilities to market. This role is foundational to SoFi’s success in modernizing mortgage lending and expanding its product offering.

What you’ll do:

Credit Product Ownership

• Define and manage the roadmap for credit policy execution across all Home Loans products (Conventional, Jumbo, FHA, Portfolio).
• Partner with business and capital markets to translate investor and strategic requirements into executable product features.
• Own backlog prioritization and ensure delivery of high-impact features aligned with business goals.

Cross-Functional Program Delivery

• Lead the end-to-end delivery of credit initiatives, including pricing eligibility, underwriting guideline automation, and new program rollout.
• Work closely with Engineering to break down credit requirements into deliverables and acceptance criteria.
• Drive Agile ceremonies, ensure sprint velocity, and remove blockers to delivery.

Strategic Execution

• Institutionalize credit delivery as a formal product vertical, building repeatable processes and metrics for delivery performance.
• Develop business cases and execution plans for new credit offerings and guideline enhancements.
• Collaborate with Product, Tech, and Risk to bring new programs to market with speed and compliance.

Stakeholder Alignment

• Serve as the central voice connecting Credit Strategy, Capital Markets, Underwriting, Legal, Compliance, and Ops.
• Proactively align roadmap priorities with business needs and market opportunities.
• Lead cross-functional forums to track progress and drive alignment.
  
  

What you’ll need:

• 7–10+ years of experience in mortgage product management, credit product ownership, or a similar strategic role within lending
• Deep understanding of residential mortgage programs, including Conventional, Jumbo, FHA, and Portfolio
• Proven track record of launching and managing lending products and credit programs end-to-end
• Experience working with LOS (e.g., Encompass), pricing engines, DU/LP, and credit/income verification tools
• Strong familiarity with investor guidelines, credit overlays, capital markets, and credit policy execution
• Ability to operate in Agile frameworks and lead cross-functional delivery using tools like Jira and Confluence
• Excellent communication, organization, and leadership skills
• Comfortable influencing at the VP/SVP level and managing matrixed teams

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 comprehensiveand competitivebenefits, visit ourBenefits at SoFi page!

Pay range: $115,200.00 - $216,000.00

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.

Pay range: $115,200.00 - $216,000.00 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.

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 [e-mail].

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.

Apply for this position

Senior Credit Product Owner – Home Loans

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 1121636. (www.nmlsconsumeraccess.org )

︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.