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

  • Lead the design and implementation of machine learning models for mortgage-specific use cases, including underwriting, DTI validation, and automated appraisal reviews.
  • Own and oversee externally developed models end to end, ensuring quality, performance, and scalability standards are met.
  • Present model performance results and portfolio insights to senior leadership to inform credit and business decisions.
  • Collaborate with Model Risk Management and governance teams to ensure models satisfy regulatory and compliance requirements.
  • Partner with Product and Engineering teams to operationalize models, including deployment, monitoring, and integration into business systems.
  • Explore and leverage in-house, external, and open-source ML frameworks to develop proprietary mortgage risk tools.
  • Apply advanced machine learning methods to problems such as default modeling, prepayment modeling, property valuation, and credit risk assessment.

Requirements

  • Master’s degree in Computer Science, Statistics, Mathematics, Physics, Engineering, or another quantitative field is required; Ph.D. is preferred.
  • 5+ years of direct experience building, implementing, and deploying machine learning models in Home Loans or Home Equity lending environments.
  • Expert knowledge of statistical modeling and machine learning methods, including linear/logistic regression, XGBoost, LightGBM, clustering, and outlier detection.
  • Strong programming skills in Python and SQL.
  • Hands-on production ML experience with tools such as AWS SageMaker, Git, Docker, and CI/CD pipelines.
  • Strong ability to explain complex technical methods in simple, persuasive terms for non-technical stakeholders.
  • Proven track record in technical model documentation and the Model Risk Management lifecycle is preferred.
  • Experience working cross-functionally with Product, Engineering, and Risk teams is preferred.

Benefits

  • Competitive base pay determined by experience, skills, and location.
  • Access to SoFi’s comprehensive and competitive benefits program.
  • Equal employment opportunity and inclusive hiring practices.
  • Reasonable accommodations available for candidates with disabilities during the application or interview process.
  • Remote work is not available from Hawaii or Alaska due to insurance coverage issues.

Interested in this position?

Apply directly on the company website

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