Pricing Lead, Personal Loans

1 month ago
Full-time
Lead
Data Science and Analytics
SoFi

SoFi

SoFi specializes in providing a comprehensive financial platform that empowers individuals to achieve their financial goals through services such as student loan refinancing, debt consolidation, home buying assistance, and investment opportunities, all...

Capital Markets
1K-5K
Founded 2011
$2900M raised

Description

  • Own the end-to-end pricing strategy and roadmap for SoFi’s $30B+ Personal Loan business, balancing growth, credit performance, capital efficiency, and compliance.
  • Manage and develop a team of data scientists and analysts, setting standards for analytical rigor, governance, and execution discipline.
  • Define and run pricing experimentation and A/B testing across segments to drive revenue growth, profitability, and portfolio optimization.
  • Partner with Risk and Capital Markets to optimize risk-return tradeoffs and portfolio yield and incorporate capital and regulatory constraints into pricing.
  • Establish frameworks and KPIs to measure volume, conversion, Weighted Average Coupon (WAC), Return on Assets (ROA), Lifetime Value (LTV), cost of acquisition (CAC), and other pricing metrics.
  • Serve as the senior pricing voice in executive discussions, pricing committees, and product launches, influencing Product, Risk, Marketing, Finance, and Engineering stakeholders.
  • Represent Pricing in major technology and platform initiatives and influence prioritization and resource allocation for pricing projects.
  • Coach and develop future pricing leaders, own prioritization decisions across pricing initiatives, and ensure operational feasibility of pricing changes.

Requirements

  • 12+ years of experience in consumer lending, fintech, payments, or financial services.
  • 7+ years in pricing, strategy, analytics, or risk-related leadership roles.
  • 5+ years leading and developing high-performing teams.
  • M.B.A., B.S., or M.S. in Statistics, Economics, Engineering, Computer Science, Mathematics, or a related quantitative field is required.
  • Deep understanding of consumer credit risk, portfolio performance, and pricing levers.
  • Knowledge of statistical modeling methods used in price optimization.
  • Experience with data processing tools and languages such as Python, PySpark, R, SQL, and SAS.
  • Experience working with large-scale portfolio data and building decision frameworks.
  • Strong understanding of revenue drivers, cost structures, and profitability metrics (e.g., ROA, WAC, CAC).
  • Proven ability to influence senior stakeholders, translate complex analytics into clear business narratives, and operate in regulated environments with awareness of fair lending and compliance considerations.
  • Preferred: prior experience in digital lending and prior experience in pricing analytics and modeling; knowledge of Tableau and other data visualization tools is preferred.

Benefits

  • Base pay range is provided (final base pay determined by candidate’s experience, skills, and location).
  • Comprehensive and competitive benefits are offered (details available on SoFi’s Benefits page).
  • SoFi provides equal employment opportunities and offers reasonable accommodations for candidates with physical or mental disabilities (contact accommodations@sofi.com).
  • Note: SoFi cannot accommodate remote work from Hawaii or Alaska due to insurance coverage limitations.

Interested in this position?

Apply directly on the company website

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