Note: The job is a remote job and is open to candidates in USA. SoFi is a next-generation financial services company and national bank using innovative technology to help members reach their financial goals. The Staff Credit Policy Analyst will lead the design and governance of SoFi’s credit policy framework for home loans, ensuring alignment with risk and investor standards while collaborating across departments to drive effective credit decisioning processes.
Responsibilities
- Lead the end-to-end lifecycle of SoFi’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
- 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
- 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
- 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
- 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
Skills
- 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
- 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
Benefits
- This role is also eligible for a bonus, long term incentives and competitive benefits.
- To view all of our comprehensive and competitive benefits, visit our **[Benefits at SoFi](https://sofietyinfo.sofi.com/sofi-benefits)**page!
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