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SoFi is seeking a Staff Credit Policy Analyst to lead the design, governance, and continuous evolution of credit policy frameworks across home lending products (Conforming, Government FHA/VA/USDA, Closed-End Seconds, and Portfolio). This is a strategic leadership role focused on ensuring all underwriting criteria are risk-aligned, investor-compliant, and digitally executable.
Key responsibilities include:
**Credit Policy Leadership & Strategy**: Lead the end-to-end lifecycle of home lending credit policies aligned with enterprise risk appetite and investor standards. Define and manage the credit policy governance framework, including approval processes, documentation standards, and version control. Partner with senior leadership to identify emerging credit risk trends and recommend proactive policy adjustments. Oversee the roadmap for credit automation and decisioning logic to enable efficient, consistent underwriting outcomes.
**Cross-Functional Collaboration**: Serve as the primary liaison between Credit Risk, Capital Markets, Product, and Operations to align on policy design, implementation, and investor acceptance. Represent Credit Policy in governance committees, product development discussions, and cross-functional steering groups. Provide executive-level insights on credit trends, investor changes, and policy performance metrics.
**Operational Excellence & System Enablement**: Direct the translation of credit policy into executable business rules within systems such as Encompass LOS and credit decisioning engines. Oversee UAT, policy-driven releases, and control validation to ensure digital accuracy and audit compliance. Ensure policy language and logic are harmonized across internal guides, overlays, and automated systems.
**Governance, Risk & Compliance**: Establish and maintain strong governance frameworks, audit readiness, and regulatory compliance across all credit decisioning processes. Foster innovation in digital underwriting and credit enablement while maintaining risk controls.
