Staff Credit Policy Analyst

at SoFi

United States

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The Role
As a Staff Credit Policy Analyst for Home Loans will lead the design, governance, and continuous evolution of SoFi’s credit policy framework across Conforming, Government (FHA/VA/USDA), Closed-End Seconds (CES), and Portfolio products.
This leader will own the strategic direction and operational oversight of credit policy development, ensuring all underwriting criteria are risk-aligned, investor-compliant, and digitally executable. You will serve as a key partner to Risk, Capital Markets, Product, and Operations—driving clarity, consistency, and scalability across all credit decisioning processes.
In this role, you will provide strategic oversight of policy research, system automation, and audit readiness while fostering innovation in digital underwriting and credit enablement.What You’ll Do
Credit Policy Leadership & Strategy

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.

Cross-Functional Collaboration & Influence

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.

Operational Excellence & System Enablement

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.

Governance, Risk & Compliance

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.

Team Development & Mentorship

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.

What You’ll Need

Bachelor’s degree or equivalent experience
10–15+ 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

Preferred Qualifications

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

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.