Credit Strategy - Senior Data Scientist

What you’ll do:

• Innovate… Bring your brightest ideas to building risk strategies. This means you will architect the pre‑screen and underwriting strategies.
• Data Driven… Your deep analysis will power the future of lending with an optimal real‑time data ecosystem – including multi‑product internal, bureau, third‑party, and alternative data sources and uses.
• Iterate, learn, innovate… We are all responsible for innovation and must embrace data‑driven decisions.
• Control the Risk and Drive Performance Outcomes … Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue. Monitor the performance of strategies and portfolios. Document and communicate results and escalate issues as necessary. Identify gaps/opportunities and drive actions.
• Grow, Grow, Grow!… Be inspired by dynamic leaders and our rapidly growing business. We want YOU to be an inspired leader of tomorrow, so we are recruiting the best, brightest, and passionately quantitative team members.

What you’ll need:

• 4+ years of related experience
• Business acumen and work experience in the consumer lending business (loans or credit cards)
• Direct experience in the credit strategy analytical life cycle, including strategy and decision tree development, presentation, implementation validation, and post‑implementation monitoring
• Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes, and other 3rd party variables to solve business problems
• Proficient skills in Excel, SQL and Python
• A demonstrated ability to synthesize and communicate analysis to business partners and senior management
• High motivation to drive results, eager to learn, and able to work collaboratively in a fluid environment
• Knowledge/skills in analytical and modeling techniques such as Decision Trees, regression, logistic regression, A/B Testing, and Tableau
• Preferred: 4+ years of consumer lending credit strategy work experience
• Preferred:
  Experience in analyzing and testing credit strategies or models to meet the fair lending requirements
• Preferred:
  Advanced degree (Master’s or PhD) with a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science

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 page!

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

SoFi 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. SoFi is committed to an inclusive culture. As part of this commitment, SoFi 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