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SoFi is seeking a Small Business Banking Credit Oversight Lead to drive independent second-line risk oversight of the bank's small business credit portfolio. This strategic role ensures credit strategies, underwriting standards, portfolio performance, and risk management practices align with the bank's risk appetite and regulatory requirements.
Key responsibilities include:
• Provide end-to-end oversight across the entire small business credit lifecycle, including originations, underwriting, servicing, and collections
• Independently assess credit strategies, pricing, underwriting standards, and new products while providing credible challenge to business partners with data-driven analysis
• Monitor credit quality, loss performance, and key risk indicators (KRIs) to proactively flag areas requiring executive intervention
• Lead portfolio-level risk assessments to uncover emerging credit trends, risk concentrations, and macroeconomic threats
• Present independent risk findings and actionable recommendations to executive leadership and oversight committees
• Continuously refine second-line risk assessment, monitoring, and reporting tools to maintain industry standards
• Serve as subject matter expert during regulatory examinations and internal risk audits
Required qualifications:
• 10+ years of credit risk management, loan review, commercial/small business underwriting, or internal audit experience in a financial institution
• Expert knowledge of small business lending, commercial underwriting standards, credit policy, and regulatory expectations
• Outstanding executive-level communication and stakeholder management capabilities
• Strong quantitative and qualitative analytical skills, from data mining to strategic insight
• Proven experience evaluating credit strategies and portfolio health from an independent second-line perspective
• Ability to deliver credible challenge and guide senior leadership decisions using data-backed risk analysis
Success in this role means fortifying second-line oversight through proactive risk identification, shaping underwriting strategies and credit governance, uncovering emerging risk trends, maintaining collaborative partnerships while preserving independent judgment, and establishing frameworks that enable responsible portfolio expansion.
