Staff Credit Policy Analyst

SoFi

Quick summary

Work type
On-site
Location
San Francisco, CA
Salary
$115,200–$216,000 / yr
Posted
64 days ago

Market check

Salary context

Competitive pay

How this pay compares to similar roles

Similar $170k
This role $166k
$103k most similar roles pay here $228k

This role pays more than 54% of similar roles. Most pay $124,750–$214,700 — the shaded band above. At the midpoint, this role pays about $166k versus about $170k for comparable roles.

Based on 239 similar postings.

Employer

About SoFi

SoFi Technologies is a fintech company offering student and personal loans, mortgages, credit cards, investing, banking, and insurance products, positioning itself as a one-stop financial services platform. Industry: Financial Technology & Personal Finance

SoFi currently has 36 open roles on FindRole.

Listed pay typically runs $153,600–$258,500 across 36 roles with salary data.

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At a glance

TL;DR · Staff Credit Policy Analyst

As a Staff Credit Policy Analyst for Home Loans at SoFi, you will lead the design and governance of credit policies across various home lending products, ensuring alignment with risk appetite, investor standards, and business objectives. You will oversee policy development, system automation, and audit readiness while collaborating closely with Risk, Capital Markets, Product, and Operations teams to drive clarity and consistency in underwriting processes. Key responsibilities include translating complex investor requirements into automated decision logic within systems like Encompass LOS and credit decisioning engines, ensuring digital accuracy and compliance. You will also establish robust governance practices for policy management and partner with Internal Audit and Enterprise Risk to maintain effective controls. The ideal candidate has extensive experience in residential mortgage underwriting, credit policy, or risk management, along with strong analytical skills and proficiency in tools like Excel and Tableau.

What you'll do

  • Lead the lifecycle of home lending credit policies to align with risk appetite, investor standards, and business goals.
  • Define and manage governance frameworks for approval processes, documentation, and version control practices.
  • Oversee roadmap for credit automation and decisioning logic to enable efficient underwriting outcomes.
  • Direct translation of credit policy into executable business rules within systems like Encompass LOS.
  • Ensure digital accuracy and audit compliance through UAT, policy-driven releases, and control validation.

What we're looking for

  • 8+ years of residential mortgage experience with expertise in underwriting, credit policy, and risk management.
  • Proven leadership in developing and managing credit policy frameworks across multiple product lines.
  • Experience translating complex investor requirements into automated decision logic and operational guidelines.
  • Strong understanding of credit risk principles, income analysis, asset evaluation, and regulatory compliance.
  • Proficiency working with Encompass LOS and credit decisioning systems.
  • Excellent communication skills for engaging senior stakeholders and external investors.
  • Demonstrated ability to establish and maintain robust governance around policy management.

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