[Remote] Staff Credit Policy Analyst

Note: The job is a remote job and is open to candidates in USA. SoFi is a next-generation financial services company and national bank that aims to reshape personal finance. The Staff Credit Policy Analyst will lead the design and governance of SoFi's credit policy framework for home loans, ensuring alignment with risk appetite and investor standards while collaborating across various departments to drive efficiency and compliance in credit decisioning processes.ResponsibilitiesLead the end-to-end lifecycle of SoFi’s home lending credit policies, ensuring they align with enterprise risk appetite, investor standards, and business objectivesDefine and manage the credit policy governance framework, including approval processes, documentation standards, and version control practicesPartner with senior leadership to identify emerging credit risk trends and recommend proactive policy adjustmentsOversee the roadmap for credit automation and decisioning logic to enable efficient, consistent underwriting outcomesServe as the primary liaison between Credit Risk, Capital Markets, Product, and Operations to align on policy design, implementation, and investor acceptanceRepresent Credit Policy in governance committees, product development discussions, and cross-functional steering groupsProvide executive-level insights on credit trends, investor changes, and policy performance metricsDirect the translation of credit policy into executable business rules within systems such as Encompass LOS and credit decisioning enginesOversee UAT, policy-driven releases, and control validation to ensure digital accuracy and audit complianceEnsure policy language and logic are harmonized across internal guides, overlays, and automated systemsEstablish and maintain strong governance around policy management, including audit trails, documentation, and version trackingOversee investor guideline vetting, agency updates, and compliance acceptability reviewsPartner with Internal Audit and Enterprise Risk to ensure controls are effective and deficiencies are remediated promptlyLead responses to external reviews, investor inquiries, and audit examinations related to credit policyProvide mentorship and direction to policy analysts and cross-functional partners supporting policy executionFoster a culture of curiosity, accountability, and precision within the credit policy functionBuild scalable processes and tools to improve policy delivery speed and accuracySkillsBachelor's degree or equivalent experience8+ years of residential mortgage experience, including deep expertise in underwriting, credit policy, or credit risk managementProven 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 guidelinesStrong understanding of credit risk management principles, income and asset analysis, and regulatory complianceExperience working with Encompass LOS and credit decisioning systemsExcellent communication and presentation skills with the ability to engage senior stakeholders and external investorsExceptional organizational, documentation, and leadership abilitiesExperience leading policy modernization or digital transformation initiatives in mortgage creditFamiliarity with model governance, risk control frameworks, and policy automation technologiesStrong analytical and data fluency using Excel, Tableau, or similar toolsDemonstrated ability to influence executive decision-making through data-driven recommendationsBenefitsTo view all of our comprehensive and competitive benefits, visit our **[Benefits at SoFi](https://sofietyinfo.sofi.com/sofi-benefits)**page!Company OverviewSoFi is a finance company that offers a range of lending and wealth management services. It was founded in 2011, and is headquartered in San Francisco, California, USA, with a workforce of 1001-5000 employees. Its website is https://www.sofi.com.Company H1B SponsorshipSoFi has a track record of offering H1B sponsorships, with 34 in 2026, 213 in 2025, 117 in 2024, 131 in 2023, 118 in 2022, 81 in 2021, 42 in 2020. Please note that this does not guarantee sponsorship for this specific role.