Underwriting Analyst in San Francisco

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: SoFi is seeking a highly motivated Staff Data Scientist to join the Marketing Data Science (MDS) team. The MDS team plays a crucial role in enabling data-driven decisions across SoFi's Marketing organization through robust analytics, modeling, experimentation, and measurement. This exciting new role will focus on supporting the development and execution of top-tier marketing strategies specifically within the Direct Mail (DM) channel. The DM channel is a key driver of revenue and new account acquisition for SoFi, encompassing all lending products—including Personal Loans, Home Loans, Student Loan Refinance, In-school Loans, and Credit Cards—as well as Checking & Savings, Small Medium Business Loans, and future products. This position is ideal for someone passionate about utilizing data for problem-solving in a fast-paced environment. It requires direct interface with marketing managers, channel owners, and third-party partners to collaboratively identify opportunities for improvement and enhanced efficiency. What you’ll do: Lead the end-to-end Direct Mail (DM) campaigns, including pre-screened (PS) and invitation-to-apply (ITA) across products. This encompasses identifying the underwriting, marketing and suppression rules, clearly defining the data source and logic, executing the c

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 team SoFi’s Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company’s risk appetite and helps create the products and experiences that put our members’ interests first. The Senior Credit Manager will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi’s lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card. The initial focus of the role will be on Personal Loan but the candidate may get opportunities to work on other lending products in the future. The candidate will be responsible for independently developing and implementing Personal Loan underwriting strategies that meet our risk appetite, monitoring and analyzing the risk trends within the portfolio to provide insights and recommendations for strategy enhancement opportunities. She/he will be part of