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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 So Fi’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 So Fi’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!

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.