Senior Data Science Manager-Unsecured Lending Underwriting

SoFi is a next-generation financial services company and national bank that is changing the way people interact with personal finance. The Senior Data Science Manager will lead the Unsecured Underwriting Data Science function, overseeing the development and deployment of credit decisioning models to improve underwriting performance and reduce losses.

Responsibilities:

• Directly oversee the development and deployment of Next Generation Underwriting models designed to increase origination while maintaining loss guardrails
• Incorporate industry trends and advanced techniques (NLP, Graph Mining, LLMs, Deep Learning) to solve complex, high-impact risk problems where established principles may not fully apply
• Spearhead the evaluation and integration of alternative data sources (tri-bureau, LexisNexis, cash flow data) to enhance predictive power across all credit products
• Lead the current team of high-performing Staff and Senior Data Scientists. Recruit, mentor, and foster talent through deliberate interactions, succession planning, and creating a high-accountability, low-ego culture
• Act as the primary owner for all models in the portfolio, ensuring robust documentation, monitoring, and successfully navigating the 2nd Line of Defense (2LOD) review and approval process (SR 11-7 familiarity is mandatory)
• Interact and negotiate with senior management and external stakeholders to reconcile competing views and drive critical, high-impact business decisions
• Lead efforts to automate model monitoring and governance processes to create scalable and auditable infrastructure