Easy Apply
Easy Apply
Lead the development and execution of mortgage credit products, managing roadmaps, cross-functional delivery, and stakeholder alignment to improve credit capabilities.
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:
We are seeking a Senior Credit Product Owner to drive the development and execution of SoFi’s mortgage credit products across Conventional, Jumbo, FHA, and Portfcredit strategy into scalable, technology-enabled solutions. This is not an operations or exception review role—this is a true product leadership role focused on driving innovation in credit program design, implementation, and optimization.
You will lead credit product initiatives from concept to deployment, working across Product, Engineering, Capital Markets, Risk, and Operations to bring world-class credit capabilities to market. This role is foundational to SoFi’s success in modernizing mortgage lending and expanding its product offering.
What you’ll do:
Credit Product Ownership- Define and manage the roadmap for credit policy execution across all Home Loans products (Conventional, Jumbo, FHA, Portfolio).
- Partner with business and capital markets to translate investor and strategic requirements into executable product features.
- Own backlog prioritization and ensure delivery of high-impact features aligned with business goals.
- Lead the end-to-end delivery of credit initiatives, including pricing eligibility, underwriting guideline automation, and new program rollout.
- Work closely with Engineering to break down credit requirements into deliverables and acceptance criteria.
- Drive Agile ceremonies, ensure sprint velocity, and remove blockers to delivery.
- Institutionalize credit delivery as a formal product vertical, building repeatable processes and metrics for delivery performance.
- Develop business cases and execution plans for new credit offerings and guideline enhancements.
- Collaborate with Product, Tech, and Risk to bring new programs to market with speed and compliance.
- Serve as the central voice connecting Credit Strategy, Capital Markets, Underwriting, Legal, Compliance, and Ops.
- Proactively align roadmap priorities with business needs and market opportunities.
- Lead cross-functional forums to track progress and drive alignment.
What you’ll need:
- 7–10+ years of experience in mortgage product management, credit product ownership, or a similar strategic role within lending
- Deep understanding of residential mortgage programs, including Conventional, Jumbo, FHA, and Portfolio
- Proven track record of launching and managing lending products and credit programs end-to-end
- Experience working with LOS (e.g., Encompass), pricing engines, DU/LP, and credit/income verification tools
- Strong familiarity with investor guidelines, credit overlays, capital markets, and credit policy execution
- Ability to operate in Agile frameworks and lead cross-functional delivery using tools like Jira and Confluence
- Excellent communication, organization, and leadership skills
- Comfortable influencing at the VP/SVP level and managing matrixed teams
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 embracing diversity. 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].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.
Top Skills
Agile Frameworks
Confluence
Credit/Income Verification Tools
Du/Lp
Encompass
JIRA
Los
Pricing Engines
Similar Jobs at SoFi
Fintech • Mobile • Software • Financial Services
The Senior Credit Policy Analyst develops and documents credit policies for loan products, ensuring compliance and collaboration across teams, and engages in research and communication with stakeholders.
Top Skills:
Encompass LosExcelMicrosoft OutlookMicrosoft Word
Fintech • Mobile • Software • Financial Services
The Consumer Lending Compliance Advisor manages compliance risk, supports consumer lending strategy, and ensures adherence to regulations while consulting with internal and external parties.
Top Skills:
FcraMlaReg BReg ZScra
Fintech • Mobile • Software • Financial Services
As a Senior Compensation Partner, you will provide consulting support for compensation strategies, conduct data analysis, create communication materials, and manage related projects while ensuring alignment with business needs.
Top Skills:
Compensation AdministrationCompensation StrategiesData ModelingHr AnalyticsProject Management
What you need to know about the Charlotte Tech Scene
Ranked among the hottest tech cities in 2024 by CompTIA, Charlotte is quickly cementing its place as a major U.S. tech hub. Home to more than 90,000 tech workers, the city’s ecosystem is primed for continued growth, fueled by billions in annual funding from heavyweights like Microsoft and RevTech Labs, which has created thousands of fintech jobs and made the city a go-to for tech pros looking for their next big opportunity.
Key Facts About Charlotte Tech
- Number of Tech Workers: 90,859; 6.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Lowe’s, Bank of America, TIAA, Microsoft, Honeywell
- Key Industries: Fintech, artificial intelligence, cybersecurity, cloud computing, e-commerce
- Funding Landscape: $3.1 billion in venture capital funding in 2024 (CED)
- Notable Investors: Microsoft, Google, Falfurrias Management Partners, RevTech Labs Foundation
- Research Centers and Universities: University of North Carolina at Charlotte, Northeastern University, North Carolina Research Campus
