Credit Risk Strategy and Analytics

Stripe

Who we are  About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone’s reach while doing the most important work of your career. ABOUT THE TEAM The Capital team is responsible for managing the end-to-end risk strategy for Stripe's lending product. The team is based in the US and Canada, and is composed of curious, driven, and analytical individuals who are passionate about using their skills to shape the future of Stripe. We partner closely with Stripe's engineering, data science, product, and servicing teams to leverage existing platforms, integrate industry best practices, and develop novel solutions to evaluate and manage credit risk. If you are interested in joining a fast-growing organization and applying your experience to shape the future of Stripe, we encourage you to apply. WHAT YOU’LL DO As a key member of the Capital team, you will have the opportunity to shape the future of Stripe's credit policy by driving meaningful changes to the risk and underwriting framework. You will leverage Stripe's vast data assets to formulate your recommendations and work closely with our partners and, where applicable, leverage third-party data. We are a small and lean team, which means you will have the autonomy and the responsibility to manage end-to-end risk initiatives. RESPONSIBILITIES * Architect and implement credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products. * Utilize your analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions. * Collaborate with cross-functional teams, such as Product, Data Science, Engineering, and Capital Markets to shape new product development across different geographies and industries. * Incorporate third-party data, including bureau, bank account, financial statements, and less traditional data, into our credit assessment. * Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses. * Help scale risk processes by working with partners to design and optimize outsourced workflows. WHO YOU ARE We’re looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. MINIMUM REQUIREMENTS * 5+ years of experience in credit analysis and underwriting. * Bachelor's degree in finance, economics, statistics, or a related field. * Experience in risk management, financial lending, or core credit risk management function. * Strong analytical skills and a rigorous, data-driven approach to problem-solving. * Experience working with both internal and external stakeholders and the ability to closely. manage expectations and deliverables in a timely manner. * Ability to thrive in an unstructured and fast-moving organization. * Strong technical expertise, including SQL, excel, google sheets. * Self-starter who can work independently. PREFERRED QUALIFICATIONS * Experience with quantitative tools such as Python, R, or Stata. * Master's degree in finance, economics, statistics, or a related field. * Superior communication and relationship management skills. * Experience with credit scoring models. * Experience working with machine learning teams. * Ability to communicate results clearly with a focus on driving impact.

Sofi

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. SoFi’s Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company’s risk appetite and helps create the products and experiences that put our members’ interests first. The Credit Strategy Lead will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi’s lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card. The Credit Strategy Lead will collaborate with cross-functional teams such as Business Units, Capital Markets, Product and Engineering, and use business knowledge and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and consumers. The ideal candidate will possess a data-driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support SoFi’s overarching strategic goals relative to loss prevention and profit optimization. They bring new ways of thinking, data sources, technologies, and capabilities to SoFi. What you’ll do: * Innovate… Bring your brightest ideas to building risk strategies. This means you will architect the pre-screen and underwriting strategies. * Data Driven… Your deep analysis will power the future of lending with an optimal real-time data ecosystem – including multi-product internal, bureau, third-party, and alternative data sources and uses. * Iterate, learn, innovate… We are all responsible for innovation and must embrace data-driven decisions. * Control the Risk and Drive Performance Outcomes … Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue. Monitor the performance of strategies and portfolios. Document and communicate results and escalate issues as necessary. Identify gaps/opportunities and drive actions. * Grow, Grow, Grow!… Be inspired by dynamic leaders and our rapidly growing business. We want YOU to be an inspired leader of tomorrow, so we are recruiting the best, brightest, and passionately quantitative team members. What you’ll need: * 4+ years of related experience * Business acumen and work experience in the consumer lending business (loans or credit cards) * Direct experience in the credit strategy analytical life cycle, including strategy and decision tree development, presentation, implementation validation, and post-implementation monitoring * Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes, and other 3rd party variables to solve business problems * Proficient skills in Excel, SQL and Python * A demonstrated ability to synthesize and communicate analysis to business partners and senior management * High motivation to drive results, eager to learn, and able to work collaboratively in a fluid environment * Knowledge/skills in analytical and modeling techniques such as Decision Trees, regression, logistic regression, A/B Testing, and Tableau * Preferred: 4+ years of consumer lending credit strategy work experience * Preferred: Experience in analyzing and testing credit strategies or models to meet the fair lending requirements * Preferred: Advanced degree (Master’s or PhD) with a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.    To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SOFI PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES (EEO) TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION (INCLUDING RELIGIOUS DRESS AND GROOMING PRACTICES), SEX (INCLUDING PREGNANCY, CHILDBIRTH AND RELATED MEDICAL CONDITIONS, BREASTFEEDING, AND CONDITIONS RELATED TO BREASTFEEDING), GENDER, GENDER IDENTITY, GENDER EXPRESSION, NATIONAL ORIGIN, ANCESTRY, AGE (40 OR OVER), PHYSICAL OR MEDICAL DISABILITY, MEDICAL CONDITION, MARITAL STATUS, REGISTERED DOMESTIC PARTNER STATUS, SEXUAL ORIENTATION, GENETIC INFORMATION, MILITARY AND/OR VETERAN STATUS, OR ANY OTHER BASIS PROHIBITED BY APPLICABLE STATE OR FEDERAL LAW. THE COMPANY HIRES THE BEST QUALIFIED CANDIDATE FOR THE JOB, WITHOUT REGARD TO PROTECTED CHARACTERISTICS. PURSUANT TO THE SAN FRANCISCO FAIR CHANCE ORDINANCE, WE WILL CONSIDER FOR EMPLOYMENT QUALIFIED APPLICANTS WITH ARREST AND CONVICTION RECORDS. NEW YORK APPLICANTS: NOTICE OF EMPLOYEE RIGHTS SOFI IS COMMITTED TO AN INCLUSIVE CULTURE. AS PART OF THIS COMMITMENT, SOFI OFFERS REASONABLE ACCOMMODATIONS TO CANDIDATES WITH PHYSICAL OR MENTAL DISABILITIES. IF YOU NEED ACCOMMODATIONS TO PARTICIPATE IN THE JOB APPLICATION OR INTERVIEW PROCESS, PLEASE LET YOUR RECRUITER KNOW OR EMAIL ACCOMMODATIONS@SOFI.COM. DUE TO INSURANCE COVERAGE ISSUES, WE ARE UNABLE TO ACCOMMODATE REMOTE WORK FROM HAWAII OR ALASKA AT THIS TIME. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

Sofi

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. THE ROLE We are looking for a Senior Data Scientist to join SoFi’s Secured Lending Team, with a focus on Home Lending risk analytics, loss forecasting, and portfolio performance monitoring. This role will support home lending products including first mortgages, jumbo loans, closed-end seconds, and HELOCs, with a strong emphasis on delinquency, default, cure, severity, recovery, and portfolio profitability. The Senior Data Scientist will play a key role in building models, dashboards, and analytical frameworks that help the Secured Lending organization understand credit performance across the full residential lending lifecycle — from origination and portfolio monitoring through delinquency, default resolution, loss mitigation, and recovery. This individual will partner closely with Credit Decision Science, Credit Risk, Finance, Capital Markets, Servicing, Collections, Loss Mitigation, Model Risk, and Data Engineering to support data-driven decision-making across Home Lending. By joining SoFi, you’ll become part of a forward-thinking company that is transforming financial services for the better. We offer the excitement of a rapidly growing company with the stability of an industry-leading leadership team. WHAT YOU’LL DO The Senior Data Scientist will help SoFi strengthen Home Lending risk analytics, forecasting, and portfolio management by: * Developing quantitative and machine learning models to forecast losses across mortgage and home equity portfolios, including first lien, jumbo, HELOC, and closed-end second-lien products. * Building and maintaining CECL, loss forecasting, and portfolio performance models with a focus on delinquency roll rates, default probability, cure behavior, loss severity, recovery timing, prepayment behavior, and charge-off outcomes. * Defining and maintaining portfolio performance KPIs across credit, profitability, and risk, including delinquency rates, roll rates, cure rates, loss rates, severity, prepayment speeds, early payment defaults, repurchase risk, defect rates, and recovery performance. * Performing cohort, vintage, and segmentation analysis by credit score, LTV/CLTV, DTI, lien position, documentation type, occupancy, channel, state/metro, property type, investor, and product type. * Analyzing borrower behavior and identifying key risk drivers across stages of credit performance, including current status, early delinquency, late-stage delinquency, default, liquidation, foreclosure, recovery, and redefault. * Building roll-rate models, delinquency migration analytics, cure models, default models, recovery models, and loss severity frameworks for secured lending portfolios. * Supporting collections, loss mitigation, and default strategy analytics, including segmentation, treatment strategy measurement, liquidation waterfalls, cure versus liquidation outcomes, modification performance, and recovery optimization. * Developing analytics that evaluate resolution pathways, including cure, modification, repayment plan, foreclosure, liquidation, REO, charge-off, and expected recovery cash flows. * Building and maintaining executive dashboards and automated reporting that clearly explain what changed, why it changed, and what actions should be considered next. * Partnering with Data Engineering to define data requirements, improve data quality, create new data sources, and build summarized analytical tables that support scalable reporting, monitoring, and modeling. * Aggregating and synthesizing datasets from multiple environments, including origination data, servicing systems, collections data, collateral data, bureau data, investor/product data, and external housing market data such as HPI. * Performing sensitivity, scenario, and stress analysis tied to home price movements, interest rates, unemployment, credit mix, prepayment behavior, and broader economic conditions. * Monitoring model and portfolio performance through back-testing, forecast-to-actual tracking, population stability, segmentation diagnostics, drift monitoring, and periodic recalibration. * Preparing clear, audit-ready documentation for models, assumptions, dashboards, data sources, business logic, reporting definitions, and governance routines. * Partnering with Credit Decision Science and other cross-functional stakeholders to develop roll-rate models, collections analytics, loss forecasting enhancements, and portfolio risk insights. * Translating complex analysis into concise, executive-ready recommendations for Credit Risk, Finance, Capital Markets, Accounting, Model Risk, and Secured Lending leadership. WHAT YOU’LL NEED * 5+ years of experience in data science, statistical modeling, credit risk analytics, loss forecasting, portfolio analytics, or a related quantitative role. * Master’s or PhD in Statistics, Mathematics, Economics, Engineering, Computer Science, Operations Research, Finance, or another quantitative field; equivalent practical experience will also be considered. * Strong proficiency in Python and SQL, with experience building repeatable analytical pipelines, model monitoring routines, and automated reporting. * Experience with data visualization and dashboarding tools such as Tableau, Looker, Power BI, or similar platforms. * Demonstrated experience with credit risk modeling, loss forecasting, CECL, roll-rate modeling, delinquency/default modeling, recovery modeling, or portfolio performance analytics. * Hands-on experience with mortgage or secured lending data, including first liens, jumbo loans, HELOCs, closed-end seconds, or other collateral-backed products. * Strong understanding of mortgage credit risk drivers, including FICO, LTV/CLTV, DTI, lien position, occupancy, documentation type, channel, geography, property type, investor/product, collateral value, and HPI. * Experience analyzing delinquent, non-performing, or defaulted loan portfolios, including roll rates, cure rates, charge-offs, recoveries, redefault behavior, and severity. * Familiarity with statistical and machine learning methods such as regression, survival analysis, time-series modeling, Markov/state transition models, gradient boosting, random forests, clustering, and model calibration. * Strong analytical communication skills, with the ability to explain model outputs, portfolio trends, and risk drivers to both technical and non-technical audiences. * Ability to operate in a governed risk management environment with attention to auditability, documentation, controls, and model risk expectations. Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.    To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SOFI PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES (EEO) TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION (INCLUDING RELIGIOUS DRESS AND GROOMING PRACTICES), SEX (INCLUDING PREGNANCY, CHILDBIRTH AND RELATED MEDICAL CONDITIONS, BREASTFEEDING, AND CONDITIONS RELATED TO BREASTFEEDING), GENDER, GENDER IDENTITY, GENDER EXPRESSION, NATIONAL ORIGIN, ANCESTRY, AGE (40 OR OVER), PHYSICAL OR MEDICAL DISABILITY, MEDICAL CONDITION, MARITAL STATUS, REGISTERED DOMESTIC PARTNER STATUS, SEXUAL ORIENTATION, GENETIC INFORMATION, MILITARY AND/OR VETERAN STATUS, OR ANY OTHER BASIS PROHIBITED BY APPLICABLE STATE OR FEDERAL LAW. THE COMPANY HIRES THE BEST QUALIFIED CANDIDATE FOR THE JOB, WITHOUT REGARD TO PROTECTED CHARACTERISTICS. PURSUANT TO THE SAN FRANCISCO FAIR CHANCE ORDINANCE, WE WILL CONSIDER FOR EMPLOYMENT QUALIFIED APPLICANTS WITH ARREST AND CONVICTION RECORDS. NEW YORK APPLICANTS: NOTICE OF EMPLOYEE RIGHTS SOFI IS COMMITTED TO AN INCLUSIVE CULTURE. AS PART OF THIS COMMITMENT, SOFI OFFERS REASONABLE ACCOMMODATIONS TO CANDIDATES WITH PHYSICAL OR MENTAL DISABILITIES. IF YOU NEED ACCOMMODATIONS TO PARTICIPATE IN THE JOB APPLICATION OR INTERVIEW PROCESS, PLEASE LET YOUR RECRUITER KNOW OR EMAIL ACCOMMODATIONS@SOFI.COM. DUE TO INSURANCE COVERAGE ISSUES, WE ARE UNABLE TO ACCOMMODATE REMOTE WORK FROM HAWAII OR ALASKA AT THIS TIME. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.