Capital Markets Portfolio Analyst

at SoFi

CA - San Francisco, FL - Jacksonville, NC - Charlotte, NY - New York City, TX - Frisco, UT - Cottonwood Heights, WA - Seattle

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 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. The ideal candidate will combine strong quantitative skills with an understanding of structured finance, portfolio dynamics, and investor reporting. 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.

What you’ll do:

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.

What you’ll need:

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.

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!

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.

New York applicants: Notice of Employee Rights

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 accommodations@sofi.com.

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

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.