资深信用政策分析师
Staff Credit Policy Analyst
**员工申请者隐私通知**
[https://www.sofi.com/sofi-employee-applicant-privacy-notice/](https://www.sofi.com/sofi-employee-applicant-privacy-notice/)
**关于我们：**
与我们一同塑造更光明的财务未来。
与我们的会员一起，我们正在改变人们对于个人财务的思考和互动方式。
我们是一家新一代的金融服务公司和国家银行，利用创新的、以移动优先的技术，帮助数百万会员实现他们的目标。行业正在经历前所未有的变革，而我们正处于最前沿。我们自豪地每天来到工作岗位，因为我们知道我们的工作对人们的生活有直接的影响，我们的核心价值观始终指引着我们每一步。**加入我们，投资你自己、你的职业生涯以及金融世界。**
**职位描述**
作为家庭贷款的资深信用政策分析师，你将负责设计、治理以及SoFi信用政策框架的持续演进，涵盖合规贷款、政府贷款（FHA/VA/USDA）、封闭式二次贷款（CES）和投资组合产品。
该职位将负责信用政策发展的战略方向和运营监督，确保所有承销标准符合风险控制要求、投资者合规性，并且可以数字化执行。你将作为风险、资本市场、产品和运营团队的关键合作伙伴，推动所有信用决策流程的清晰度、一致性和可扩展性。
在这一职位中，你将提供政策研究、系统自动化和审计准备的战略监督，同时促进数字承销和信用赋能方面的创新。**你将负责以下工作**
**信用政策领导与战略**
- 领导SoFi家庭贷款信用政策的全生命周期，确保其与企业风险偏好、投资者标准和业务目标保持一致。
- 定义并管理信用政策治理框架，包括审批流程、文档标准和版本控制实践。
- 与高级管理层合作，识别新兴的信用风险趋势并提出主动的政策调整建议。
- 监督信用自动化和决策逻辑的路线图，以实现高效、一致的承销结果。
**跨职能协作与影响力**
- 作为信用风险、资本市场、产品和运营团队的主要联络人，确保政策设计、实施和投资者接受度的一致性。
- 在治理委员会、产品开发讨论和跨职能指导小组中代表信用政策。
查看英文原文
[**Employee Applicant Privacy Notice**](https://www.sofi.com/sofi-employee-applicant-privacy-notice/)
**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**
As a Staff Credit Policy Analyst for Home Loans will lead the design, governance, and continuous evolution of SoFi’s credit policy framework across Conforming, Government (FHA/VA/USDA), Closed-End Seconds (CES), and Portfolio products.
This leader will own the strategic direction and operational oversight of credit policy development, ensuring all underwriting criteria are risk-aligned, investor-compliant, and digitally executable. You will serve as a key partner to Risk, Capital Markets, Product, and Operations—driving clarity, consistency, and scalability across all credit decisioning processes.
In this role, you will provide strategic oversight of policy research, system automation, and audit readiness while fostering innovation in digital underwriting and credit enablement. **What You’ll Do**
**Credit Policy Leadership & Strategy**
- Lead the end-to-end lifecycle of SoFi’s home lending credit policies, ensuring they align with enterprise risk appetite, investor standards, and business objectives.
- Define and manage the credit policy governance framework, including approval processes, documentation standards, and version control practices.
- Partner with senior leadership to identify emerging credit risk trends and recommend proactive policy adjustments.
- Oversee the roadmap for credit automation and decisioning logic to enable efficient, consistent underwriting outcomes.
**Cross-Functional Collaboration & Influence**
- Serve as the primary liaison between Credit Risk, Capital Markets, Product, and Operations to align on policy design, implementation, and investor acceptance.
- Represent Credit Policy in governance committees, product development discussions, and cross-functional steering groups.
- Provide executive-level insights on credit trends, investor changes, and policy performance metrics.
**Operational Excellence & System Enablement**
- Direct the translation of credit policy into executable business rules within systems such as Encompass LOS and credit decisioning engines.
- Oversee UAT, policy-driven releases, and control validation to ensure digital accuracy and audit compliance.
- Ensure policy language and logic are harmonized across internal guides, overlays, and automated systems.
**Governance, Risk & Compliance**
- Establish and maintain strong governance around policy management, including audit trails, documentation, and version tracking.
- Oversee investor guideline vetting, agency updates, and compliance acceptability reviews.
- Partner with Internal Audit and Enterprise Risk to ensure controls are effective and deficiencies are remediated promptly.
- Lead responses to external reviews, investor inquiries, and audit examinations related to credit policy.
**Team Development & Mentorship**
- Provide mentorship and direction to policy analysts and cross-functional partners supporting policy execution.
- Foster a culture of curiosity, accountability, and precision within the credit policy function.
- Build scalable processes and tools to improve policy delivery speed and accuracy.
**What You’ll Need**
- Bachelor’s degree or equivalent experience
- 8+ years of residential mortgage experience, including deep expertise in underwriting, credit policy, or credit risk management
- Proven experience leading or influencing credit policy frameworks across multiple mortgage product lines (Conventional, FHA, VA, USDA, Home Equity, Non-Agency, Non-QM)
- Demonstrated success in translating complex investor requirements into automated decision logic and operational guidelines
- Strong understanding of credit risk management principles, income and asset analysis, and regulatory compliance
- Experience working with Encompass LOS and credit decisioning systems
- Excellent communication and presentation skills with the ability to engage senior stakeholders and external investors
- Exceptional organizational, documentation, and leadership abilities
**Preferred Qualifications**
- Experience leading policy modernization or digital transformation initiatives in mortgage credit
- Familiarity with model governance, risk control frameworks, and policy automation technologies
- Strong analytical and data fluency using Excel, Tableau, or similar tools
- Demonstrated ability to influence executive decision-making through data-driven recommendations
**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](https://sofietyinfo.sofi.com/sofi-benefits)** page!
##### 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](https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf)
##### 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.](mailto:accommodations@sofi.com)
##### We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico 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.