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

We are seeking a dedicated professional within Capital Markets to lead the expansion and optimization of our Loan Platform Business and Private Credit transactions. This role will serve as the central connection point between institutional investors and internal partners across Finance, Operations, Product, and Legal. The successful candidate will drive investor engagement and education, coordinate loan sale execution, and align program economics with financial and strategic objectives. This position plays a key role in scaling the platform by deepening investor relationships, enhancing transaction efficiency, and supporting the continued growth of our capital markets initiatives.

What you’ll do:

• Cultivate high-level institutional partnerships with investors across the Loan Platform Business and Private Credit programs.

• Lead investor education and diligence processes, including preparation of marketing materials, performance updates, transaction summaries, and structural considerations.

• Lead complex negotiations and finalize deal structures that align with So Fi’s long-term capital strategy.

• Serve as a key point of contact for investor communications and coordinate timely responses across internal teams.

• Partner with the Transaction Execution team to plan and manage quarterly loan sale schedules, ensuring alignment between investor demand and available loan supply.

• Collaborate with Finance and Accounting teams to forecast sales activity, track performance against plan, and analyze key revenue drivers.

• Evaluate transaction economics to inform pricing, volume, and investor participation strategies.

• Maintain visibility into product structures, pricing frameworks, and yield impacts across the Loan Platform Business and Private Credit programs.

• Support design and launch of new program structures through modeling, scenario analysis, and go-to-market planning.

• Design and implement scalable frameworks to improve platform-wide efficiency and investor support..

• Provide guidance, mentorship and professional development to team members within Capital Markets.

What you’ll need:

• 10+ years of relevant experience desired, predominantly in capital markets and structured finance

• BS/BA in business, finance, accounting, economics or similar technical field

• Excellent work ethic and willingness to contribute broadly to achieve team and company objectives

• Strong verbal and written communication as well as technical and organizational skills - demonstrated experience presenting to internal and external stakeholders.

• Advanced capital markets modeling expertise, with a deep understanding of complex securitization structures.

• Strong business acumen with the ability to translate complex market trends into actionable strategies.

• Strong ability to read and interpret financial contracts and knowledge of core documents and industry standard/best practices in transactional terms

• High level of proficiency with Microsoft Office and Google suites (particularly in Excel, PowerPoint, Sheets)

• Previous experience with lending or consumer credit products a plus: mortgages, student loans, credit cards, personal loans, etc.

• Previous experience with asset-backed securitization data sets a plus: Bloomberg, Intex, DV01, etc.

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 So Fi page!
So Fi 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
So Fi is committed to an inclusive culture. As part of this commitment, So Fi 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.