Manager Credit Risk

The role:

The Manager - Credit Risk, Collections and Portfolio Management role is critical to success across SoFi Technologies, Inc., SoFi Bank, NA, and operating subsidiaries. The incumbent will contribute to the second-line oversight of Collections and Portfolio Management Credit Risk across all SoFi’s lending products - Unsecured, Secured and Commercial Lending.  The manager will perform advanced analytics to identify gaps and opportunities in Collection and Portfolio Management strategies and policies to ensure effective controls, performance monitoring and maintain an effective challenge environment..

What you’ll do: 

• Provide analytical support for data-driven insight generation to provide effective challenge to 1st LOD - through a combination of Collections and Portfolio Management expertise and high-quality analytical thought processes
• Support 2nd line Consumer Lending Collections and Portfolio Management Credit Risk at SoFi and drive robust adherence and measuring to RAS metrics, risk identification, issue management and regulatory reporting
• Monitor operational performance, roll rates, delinquent inventory, and credit loss trends.  Perform diagnostic analyses on all aspects of Collections and Portfolio Management policies to make sure strategies are fully optimized.  Effectively communicate these trends to management
• Help review KPI/KRIs to ascertain the state of Collections and Portfolio Management Risk and evaluate the effectiveness of current policies and procedures

What you’ll need:

• 8+ years of Credit Risk Analytics industry experience with a bachelor’s degree in a quantitative discipline
• Industry knowledge, including a sound understanding of relevant regulations as they apply to lending and collections
• Demonstrated ability to think critically to identify and solve problems through structured analytical reasoning;  Excellent verbal, written and presentation / story-telling skills to bring analysis findings to the forefront and influence change.
• Proven analytical and data mining skills ; excellent command over one or more of SQL, Python, R, SAS.  Previous experience creating analytics on Tableau a plus
• Experience with regulatory compliance and standards across the Consumer Life Cycle is a plus, specifically in Originations Credit Risk and effectively and concisely communicating adherence
• Working familiarity with automated monitoring tools and incident remediation
• Strong analytical and problem-solving skills to evaluate workflows and procedures; identify and resolve problems in a timely manner; develop alternative solutions; work well in group problem-solving situations; use reason even when dealing with emotional topics; support SoFi’s overarching strategic goals relative to loss prevention
• Proactive go-getter with a lot of energy to work in a fast-paced environment and ability to come up with creative ideas to help take SoFi’s Credit Analytics to the next level 
• High motivation to drive change, eager to learn, and able to work collaboratively in a complex and fluid environment

Nice to have:

• Master’s degree