Easy Apply
Easy Apply
The Staff Credit Policy Analyst leads the development and governance of credit policies for home loans, ensuring compliance and operational efficiency while collaborating with leadership and cross-functional teams.
Employee Applicant Privacy Notice
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
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
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
- 8+ 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 RightsSoFi 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 [email protected].We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico 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.
SoFi New York, New York, USA Office
Our New York office, located in the meat-packing district, provides an open work environment and is a hub for our finance teams. Our large conference, flexible work spaces, huddle rooms, and shared community areas allows our teams to openly collaborate while looking at some spectacular views.
Similar Jobs at SoFi
Fintech • Mobile • Software • Financial Services
Lead tax information reporting and withholding compliance across domestic and international frameworks, including FATCA, CRS, CARF, DAC7, and U.S. tax rules. Advise product teams on digital asset reporting, oversee tax documentation, withholding, remittance, and annual filings, and partner with technology and operations teams on automated workflows. Lead audits, risk remediation, policy updates, regulatory monitoring, and business requirements development for tax systems.
Top Skills:
Tax ApisTax Engines
Fintech • Mobile • Software • Financial Services
Own and grow employer and workplace partnerships through onboarding, activation, optimization, renewal, and expansion. Build success plans, engagement campaigns, business reviews, and data-driven recommendations while managing escalations, renewals, compliance, and cross-functional execution. Serve as a trusted advisor to HR, Benefits, Payroll, and executive stakeholders, using Salesforce and reporting tools to track performance, risks, opportunities, and next steps. Travel approximately 10–15% as needed.
Top Skills:
ExcelGoogle SheetsGoogle SlidesPowerPointSalesforce
Fintech • Mobile • Software • Financial Services
Own and improve Composer’s brokerage and trading operations, including trade lifecycle management, account servicing, escalations, reconciliations, controls, and risk workflows. Partner with Product, Engineering, Compliance, and Operations to define requirements, implement scalable solutions, support launches, analyze operational trends, and lead cross-functional initiatives in a regulated environment.
What you need to know about the NYC Tech Scene
As the undisputed financial capital of the world, New York City is an epicenter of startup funding activity. The city has a thriving fintech scene and is a major player in verticals ranging from AI to biotech, cybersecurity and digital media. It also has universities like NYU, Columbia and Cornell Tech attracting students and researchers from across the globe, providing the ecosystem with a constant influx of world-class talent. And its East Coast location and three international airports make it a perfect spot for European companies establishing a foothold in the United States.
Key Facts About NYC Tech
- Number of Tech Workers: 549,200; 6% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Capgemini, Bloomberg, IBM, Spotify
- Key Industries: Artificial intelligence, Fintech
- Funding Landscape: $25.5 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Greycroft, Thrive Capital, Union Square Ventures, FirstMark Capital, Tiger Global Management, Tribeca Venture Partners, Insight Partners, Two Sigma Ventures
- Research Centers and Universities: Columbia University, New York University, Fordham University, CUNY, AI Now Institute, Flatiron Institute, C.N. Yang Institute for Theoretical Physics, NASA Space Radiation Laboratory
