Senior Credit Strategy Analyst, SoFi

• The ideal candidate will possess a data-driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support SoFi’s overarching strategic goals relative to loss prevention and profit optimization
• They bring new ways of thinking, data sources, technologies, and capabilities to SoFi
• 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

Desirable

• The Senior Credit Strategy Analyst / Senior Data Scientist will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies 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 income and employment verification strategy for Personal Loan, Student Loan Refinance, and Private Student Loan, but the candidate may get opportunities to work on other functions in the future
• The Senior Credit Strategy Analyst / Senior Data Scientist will collaborate with cross-functional teams such as Business Units, Capital Markets, Product, and Engineering, and use business knowledge and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and consumers
• Innovate… Bring your brightest ideas to building risk strategies. This means you will architect the pre-screen, underwriting, and income/employment verification 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