SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance ... Engineering, and use business knowledge and quantitative and analytical skills to drive revenue ...
SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance ... Engineering, and use business knowledge and quantitative and analytical skills to drive revenue ...
Credit Manager
San Jose, CA · On-site
$120K - $142K/yr
We seek talented, passionate, and committed engineers, technologists, and business leaders to join ... The Credit Manager will be involved with the daily credit risk optimization requirements and ...
Credit Manager
San Jose, CA · On-site
$120K - $142K/yr
We seek talented, passionate, and committed engineers, technologists, and business leaders to join ... The Credit Manager will be involved with the daily credit risk optimization requirements and ...
Credit Manager
San Jose, CA · On-site
$120K - $142K/yr
We seek talented, passionate, and committed engineers, technologists, and business leaders to join ... The Credit Manager will be involved with the daily credit risk optimization requirements and ...
Credit Manager
San Jose, CA · On-site
$120K - $142K/yr
We seek talented, passionate, and committed engineers, technologists, and business leaders to join ... The Credit Manager will be involved with the daily credit risk optimization requirements and ...
Credit Manager
San Jose, CA · On-site
$120K - $142K/yr
We seek talented, passionate, and committed engineers, technologists, and business leaders to join ... The Credit Manager will be involved with the daily credit risk optimization requirements and ...
Credit Manager
San Jose, CA · On-site
$120K - $142K/yr
We seek talented, passionate, and committed engineers, technologists, and business leaders to join ... The Credit Manager will be involved with the daily credit risk optimization requirements and ...
Sr. Credit Analyst
San Jose, CA · On-site
$98K - $109K/yr
We seek talented, passionate, and committed engineers, technologists, and business leaders to join ... The Senior Credit Analyst will be involved with the daily credit risk optimization requirements and ...
Sr. Credit Analyst
San Jose, CA · On-site
$98K - $109K/yr
We seek talented, passionate, and committed engineers, technologists, and business leaders to join ... The Senior Credit Analyst will be involved with the daily credit risk optimization requirements and ...
Credit Risk Python Architect
San Francisco, CA · On-site
$111K - $131K/yr
... Risk Administration credit models, analytics, and reporting ... We are seeking a Python developer / solutions architect to drive forward our next-gen model ...
Credit Risk Python Architect
San Francisco, CA · On-site
$111K - $131K/yr
... Risk Administration credit models, analytics, and reporting ... We are seeking a Python developer / solutions architect to drive forward our next-gen model ...
Credit and Collections Lead
San Francisco, CA · On-site
$185K - $205K/yr
You will help define how AI and modern tooling can improve risk identification, account ... You will partner closely with Finance Systems, Product, Engineering, and operational teams to ...
Credit and Collections Lead
San Francisco, CA · On-site
$185K - $205K/yr
You will help define how AI and modern tooling can improve risk identification, account ... You will partner closely with Finance Systems, Product, Engineering, and operational teams to ...
Credit Risk Python Architect
Los Angeles, CA · On-site
$111K - $131K/yr
... Risk Administration credit models, analytics, and reporting ... We are seeking a Python developer / solutions architect to drive forward our next-gen model ...
Credit Risk Python Architect
Los Angeles, CA · On-site
$111K - $131K/yr
... Risk Administration credit models, analytics, and reporting ... We are seeking a Python developer / solutions architect to drive forward our next-gen model ...
Credit Risk Python Architect
Irvine, CA · On-site
$111K - $131K/yr
... Risk Administration credit models, analytics, and reporting ... We are seeking a Python developer / solutions architect to drive forward our next-gen model ...
Credit Risk Python Architect
Irvine, CA · On-site
$111K - $131K/yr
... Risk Administration credit models, analytics, and reporting ... We are seeking a Python developer / solutions architect to drive forward our next-gen model ...
Credit Strategy Manager
San Francisco, CA · On-site
SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance ... Engineering, and use business knowledge and quantitative and analytical skills to drive revenue ...
Credit Strategy Manager
San Francisco, CA · On-site
SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance ... Engineering, and use business knowledge and quantitative and analytical skills to drive revenue ...
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our ... Communicate with senior stakeholders in credit, product and engineering to deliver key results and ...
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our ... Communicate with senior stakeholders in credit, product and engineering to deliver key results and ...
Lead endtoend credit risk consulting initiatives, contributing to origination and closing of ... Collaborate crossfunctionally with Product, Engineering, Risk Governance, Legal, Compliance, and ...
Lead endtoend credit risk consulting initiatives, contributing to origination and closing of ... Collaborate crossfunctionally with Product, Engineering, Risk Governance, Legal, Compliance, and ...
Lead endtoend credit risk consulting initiatives, contributing to origination and closing of ... Collaborate crossfunctionally with Product, Engineering, Risk Governance, Legal, Compliance, and ...
Lead endtoend credit risk consulting initiatives, contributing to origination and closing of ... Collaborate crossfunctionally with Product, Engineering, Risk Governance, Legal, Compliance, and ...
Independently manage cross-functional relationships across Product, Engineering, Operations, Credit Risk, and executive leadership. * Influence stakeholders through clear communication and data ...
Independently manage cross-functional relationships across Product, Engineering, Operations, Credit Risk, and executive leadership. * Influence stakeholders through clear communication and data ...
Analytics Manager, Credit Cards
Los Angeles, CA · On-site +1
Independently manage cross-functional relationships across Product, Engineering, Operations, Credit Risk, and executive leadership. * Influence stakeholders through clear communication and data ...
Analytics Manager, Credit Cards
Los Angeles, CA · On-site +1
Independently manage cross-functional relationships across Product, Engineering, Operations, Credit Risk, and executive leadership. * Influence stakeholders through clear communication and data ...
We are Stanford engineers and former YC founders who have spent our careers at the intersection of ... The Role Zed underwrites credit using foundation models that profile risk from transaction data ...
We are Stanford engineers and former YC founders who have spent our careers at the intersection of ... The Role Zed underwrites credit using foundation models that profile risk from transaction data ...
Lead end-to-end credit risk consulting initiatives, contributing to origination and closing of ... Collaborate cross-functionally with Product, Engineering, Risk Governance, Legal, Compliance, and ...
Lead end-to-end credit risk consulting initiatives, contributing to origination and closing of ... Collaborate cross-functionally with Product, Engineering, Risk Governance, Legal, Compliance, and ...
Staff Data Scientist, ML (Credit Risk)
Menlo Park, CA · On-site
$217K - $255K/yr
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our ... Communicate with senior stakeholders in credit, product and engineering to deliver key results and ...
Staff Data Scientist, ML (Credit Risk)
Menlo Park, CA · On-site
$217K - $255K/yr
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our ... Communicate with senior stakeholders in credit, product and engineering to deliver key results and ...
Our team is a quickly growing group of committed researchers, engineers, policy experts, and ... Own credit risk strategy for new and existing Americas customers, including credit policy, credit ...
Our team is a quickly growing group of committed researchers, engineers, policy experts, and ... Own credit risk strategy for new and existing Americas customers, including credit policy, credit ...
AI Scientist, Machine Learning Engineer, Fraud Detection, Credit Risk Modeling, Python, SQL, TensorFlow, PyTorch, Deep Learning, NLP, Time Series Analysis, MLOps, Vertex AI, SageMaker, Apache Airflow ...
AI Scientist, Machine Learning Engineer, Fraud Detection, Credit Risk Modeling, Python, SQL, TensorFlow, PyTorch, Deep Learning, NLP, Time Series Analysis, MLOps, Vertex AI, SageMaker, Apache Airflow ...
Credit Risk Developer information
What is the difference between Credit Risk Developer vs Credit Analyst?
| Aspect | Credit Risk Developer | Credit Analyst |
|---|---|---|
| Required Credentials | Bachelor's in Finance, Economics, or related field; often some programming knowledge | Bachelor's in Finance, Economics, or related field; strong analytical skills |
| Work Environment | Develops risk models, works with data and software tools | Analyzes credit data, assesses borrower risk, prepares reports |
| Employer & Industry Usage | Financial institutions, banks, credit agencies | Banks, lending institutions, credit bureaus |
While both roles focus on credit, the Credit Risk Developer primarily builds and maintains risk models using programming and data analysis, whereas the Credit Analyst evaluates individual creditworthiness and prepares risk assessments. Both roles are essential in credit decision processes but differ in technical focus and daily tasks.
What is a credit risk developer?
Credit Risk Developers are specialized software developers who design, build, and maintain systems that assess and manage financial risk for lending institutions or investment firms. They create algorithms and tools that analyze credit data, model potential losses, and ensure compliance with regulatory requirements. Their work supports decision-making processes related to lending, underwriting, and portfolio management. Typically, they collaborate closely with risk analysts, data scientists, and financial professionals to develop solutions that improve risk assessment accuracy and efficiency.
How does a credit risk developer typically collaborate with risk analysts and business stakeholders?
A Credit Risk Developer often works closely with risk analysts to understand credit risk models and translate their requirements into robust software solutions. Regular meetings with business stakeholders are common to gather feedback, ensure alignment with regulatory standards, and adapt to changing business needs. This role requires strong communication skills to bridge the gap between technical and non-technical teams, ensuring that risk assessment tools are both accurate and user-friendly.
What are the key skills and qualifications needed to thrive as a credit risk developer?
To thrive as a Credit Risk Developer, you need strong programming skills (such as Python, Java, or C++), a solid background in mathematics or finance, and experience with credit risk modeling. Familiarity with risk management systems, statistical analysis tools, and relevant certifications (like FRM or CFA) is often required. Exceptional problem-solving abilities, collaboration, and clear communication set outstanding candidates apart. These skills ensure accurate development and maintenance of credit risk models, enabling effective risk mitigation and regulatory compliance in financial institutions.
What are popular job titles related to Credit Risk Developer jobs in California? For Credit Risk Developer jobs in California, the most frequently searched job titles are:
What job categories do people searching Credit Risk Developer jobs in California look for? The top searched job categories for Credit Risk Developer jobs in California are:
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Job description
SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company's risk appetite and helps create the products and experiences that put our members' interests first.
The Credit Strategy Lead will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi's lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card.
The Credit Strategy Lead will collaborate with cross-functional teams such as Business Units, Capital Markets, Product and Engineering, and use business knowledge and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and consumers.
The ideal candidate will possess a data-driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support SoFi's overarching strategic goals relative to loss prevention and profit optimization. They bring new ways of thinking, data sources, technologies, and capabilities to SoFi.
What you'll do:
- Innovate... Bring your brightest ideas to building risk strategies. This means you will architect the pre-screen and underwriting strategies.
- Data Driven... Your deep analysis will power the future of lending with an optimal real-time data ecosystem - including multi-product internal, bureau, third-party, and alternative data sources and uses.
- Iterate, learn, innovate... We are all responsible for innovation and must embrace data-driven decisions.
- Control the Risk and Drive Performance Outcomes ... Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue. Monitor the performance of strategies and portfolios. Document and communicate results and escalate issues as necessary. Identify gaps/opportunities and drive actions.
- Grow, Grow, Grow!... Be inspired by dynamic leaders and our rapidly growing business. We want YOU to be an inspired leader of tomorrow, so we are recruiting the best, brightest, and passionately quantitative team members.
What you'll need:
- 4+ years of related experience
- Business acumen and work experience in the consumer lending business (loans or credit cards)
- Direct experience in the credit strategy analytical life cycle, including strategy and decision tree development, presentation, implementation validation, and post-implementation monitoring
- Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes, and other 3rd party variables to solve business problems
- Proficient skills in Excel, SQL and Python
- A demonstrated ability to synthesize and communicate analysis to business partners and senior management
- High motivation to drive results, eager to learn, and able to work collaboratively in a fluid environment
- Knowledge/skills in analytical and modeling techniques such as Decision Trees, regression, logistic regression, A/B Testing, and Tableau
- Preferred: 4+ years of consumer lending credit strategy work experience
- Preferred: Experience in analyzing and testing credit strategies or models to meet the fair lending requirements
- Preferred: Advanced degree (Master's or PhD) with a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science
About SoFi
Sourced by ZipRecruiter
Industry
Finance and insurance
Company size
1,001 - 5,000 Employees
Headquarters location
San Francisco, CA, US
Year founded
2011