Capital Markets Associate, SoFi
$76.8-144k
+ Eligible for a bonus
Mobile & online personal finance services
Be an early applicant
Mobile & online personal finance services
1001+ employees
Be an early applicant
$76.8-144k
+ Eligible for a bonus
1001+ employees
Company mission
To help people reach financial independence to realize their ambitions.
Role
Who you are
- The ideal candidate will combine strong quantitative skills with an understanding of structured finance, portfolio dynamics, and investor reporting
- 2+ years of relevant experience in Capital Markets, Structured Finance, Data Analytics, or Quantitative Research
- BS/BA in Business, Finance, Economics, Engineering, Mathematics, Data Science, or a related quantitative discipline
- Advanced proficiency in SQL, Python, or similar data analytics tools; experience working with large, complex datasets preferred
- Strong analytical skills and attention to detail, with the ability to translate quantitative findings into actionable business insights
- High proficiency in Microsoft Office and Google Workspace, particularly Excel (advanced modeling, data manipulation) and PowerPoint (presentation development)
- Excellent communication and organizational skills, with a demonstrated ability to manage multiple priorities under tight deadlines
- Proactive and collaborative work ethic, with a willingness to contribute across functions to achieve team and company objectives
- Experience with lending or consumer credit products (e.g., personal loans, student loans, credit cards, mortgages) is a plus
- Familiarity with asset-backed securitization datasets and platforms (e.g., Bloomberg, Intex, dv01) and loan-level or performance data preferred
What the job involves
- SoFi is seeking an Associate to join the Capital Markets, Investor & Transaction Development team
- This individual will play a critical role in monitoring, analyzing, and reporting on the performance of SoFi’s securitizations and other structured financing activities across all lending products
- This position provides broad exposure to SoFi’s funding strategy, securitization programs, and whole-loan sale platforms
- The role involves close collaboration with internal teams - including Risk, Treasury, Accounting, and Data Science - as well as external stakeholders such as institutional investors, warehouse lenders, and rating agencies
- Analyze SoFi’s closed securitizations and financing portfolios across unsecured lending products on a monthly basis, translating complex deal structures into monitoring frameworks for triggers, credit enhancement, and key performance metrics
- Develop and automate datasets, dashboards, and workflows to streamline reporting cycles and track critical metrics including cumulative losses, delinquencies, roll rates, recoveries, prepayment speeds, etc
- Produce detailed surveillance reports and performance reviews that distill analytical findings into clear, data-driven insights supporting strategic decisions across Capital Markets, Risk, FP&A, and Treasury
- Deliver collateral tapes, performance data, analyses, and ad hoc requests for investors, warehouse lenders, and rating agencies - ensuring transparent, insight-driven reporting that strengthens external relationships and
- Maintain alignment between internal data systems and external reporting platforms to ensure consistency and accuracy
- Partner cross-functionally with Credit, Legal, Accounting, and Structuring teams to uphold consistent methodologies and data integrity across balance-sheet and securitized portfolios
Our take
SoFi started by offering ways for students to secure better financial terms on their loans, and now offers a huge range of personal finance products, including bank accounts, loans, mortgages, investment advice, and investment opportunities. Many customers find they have to go to multiple financial service providers to meet all their finance needs, but SoFi overcomes this issue by putting it all in one place.
Its goal, to cover all the financial bases, sets it apart from many of the traditional banks and even some of their digital competitors, such as Avant, which has chosen to focus on providing credit alternatives. Although it is operating in a competitive market with a lot of big players such as Monzo, Revolut, and Starling, the company has managed to raise huge amounts of funding to support its rapid expansion.
SoFi has focussed on global expansion, moving outside the US, and has made a series of acquisitions to support this - including a Hong Kong-based investment app called 8 Securities. After going public on the New York Stock Exchange via a SPAC merger in June 2021, the company has continued to evolve and release more mission-oriented services into its roster, and strengthened its lending capabilities through a $350 million post-IPO loan. To date, the company has sold over $15 billion in personal loan collateral and continues to strengthen its offering.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
7% employee growth in 12 months
Company
Funding (last 2 of 9 rounds)
Jan 2021
$369.9m
LATE VC
May 2019
$500m
GROWTH EQUITY VC
Total funding: $2.7bn
Company benefits
- Comprehensive health, vision, dental, life insurance, and disability benefits
- Generous vacation and holidays
- Paid parental leave for eligible employees
- 401(k) and education on retirement planning
- Tuition reimbursement on approved programs, up to $5,250 per year
- Monthly contribution up to $200 to help you pay off your student loans
- Great health & well-being benefits including: telehealth parental support, subsidized gym program
- Flexible time off
- Fertility and family planning options
- Free financial classes
Company HQ
The East Cut, San Francisco, CA
Leadership
Anthony Noto
(CEO)Graduated from the U.S. Military Academy after being a telecommunications officer and captain in the U.S. Army. Has worked as Head of Gobal Telecommunications, Media and Technology at Goldman Sachs, been the COO of Twitter, and also the CFO of the National Football League.
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