Staff Credit Policy Analyst
Core
Lead the design, governance, and continuous evolution of SoFi's credit policy framework across Conforming, Government, CES, and Portfolio home loan products.
Role type
Staff Credit Policy Analyst (Home Loans)
Builds
Credit policy frameworks, automated underwriting logic, and investor-compliant decisioning systems
Domain
Residential Mortgage / Credit Risk
Deliverable
production ML models | product features
Required skills
Credit policy design, underwriting expertise, risk management, regulatory compliance, system automation, stakeholder influence, policy governance, audit readiness, cross-functional leadership
Preferred skills
Policy modernization, digital transformation, model governance, data fluency (Excel/Tableau), executive decision influence
Technologies
Encompass LOS, credit decisioning engines, Tableau, Excel
Responsibilities
Lead end-to-end lifecycle of home lending credit policies; define and manage credit policy governance framework; partner with senior leadership on emerging risk trends; oversee roadmap for credit automation; serve as liaison between Credit Risk, Capital Markets, Product, and Operations; translate policy into executable business rules; establish governance for audit trails and investor guideline vetting; mentor policy analysts and cross-functional partners
Seniority
Staff, strategic oversight & mentorship