Home Loans Senior Data Analyst

Who we are:

Shape a brighter financial future with us.

Together with our members were changing the way people think about and interact with personal finance.

Were a next-generation fintech company using innovative mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation and were at the forefront. Were proud to come to work every day knowing that what we do has a direct impact on peoples 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 seeking an experienced technically strong Home Loans Senior Data Analyst to own end-to-end analytics for our residential mortgage portfolio and translate performance insights into a measurable feedback loop that improves lending this role you will analyze loan performance across the lifecycle (origination servicing loss/prepay outcomes) build scalable reporting and monitoring and partner closely with Underwriting Credit Policy Operations Compliance Capital Markets 2LOD and Product to turn data into decisions.

You will be responsible for defining the truth of portfolio performance identifying emerging risk and opportunity signals and driving changes to guidelines overlays operational processes and product strategy then measuring impact.

Joining SoFi means youre part of a company reshaping financial services through technology combining the speed of a startup with the scale and rigor of an established industry leader. This is an opportunity to directly influence Home Loans credit risk strategy within a high-growth high-impact team.

What youll do:

Own portfolio performance analytics (core)

• Define and maintain portfolio performance KPIs across credit profitability and risk (e.g. delinquency/roll rates loss rates severity prepayment speeds cure rates early payment defaults repurchase risk defect rates).
  
  
• Perform cohort/vintage and segmentation analysis by credit score LTV/CLTV DTI lien position documentation type occupancy channel state/metro property type and investor/product.
  
  
• Build and maintain executive dashboards and automated reporting that clearly explain what changed why it changed and what to do next.
• Partner with Data Engineering to define data requirements and create new data sources as required AND/OR create summarized tables as needed ensuring data structures support scalable analysis and consistent reporting.
  
  

Concentration credit risk and early warning monitoring

• Monitor and report portfolio concentration limits and emerging risk exposures (credit attributes geography product/investor mixes).
  
  
• Develop early warning indicators that proactively identify deteriorating performance (e.g. delinquency migration geographic stress valuation drift policy exception trends).
  
  
• Track portfolio risk related to market shifts (home price changes rate environment regional decline signals) and quantify impact to credit outcomes.
  
  

Collateral and valuation analytics

• Order track and report refreshed collateral values across the portfolio; analyze LTV migration and identify segments with increasing collateral risk.
  
  
• Partner with servicing/operations to ensure collateral refresh processes are auditable timely and decision-relevant.
  
  

Credit policy investor alignment and feedback loop to strategy

• Conduct gap analyses across investor guidelines and product types; translate guideline differences into data-backed recommendations for eligibility rules overlays and workflow controls.
  
  
• Review loan defects exceptions and deficiencies; perform root-cause analysis and quantify performance impact (loss repurchase cycle time fallout).
  
  
• Create a closed-loop learning system:
  
  
• Identify drivers of performance (risk and profitability)
  
  
• Recommend strategy changes (policy pricing operational controls product)
  
  
• Implement with partners
  
  
• Measure results via before/after analysis monitoring and clear success metrics
  
  

Cross-functional delivery & technical execution

• Partner with Product Data Engineering and business stakeholders to deliver analytics solutions (dashboards metric definitions datasets alerts) with strong documentation and governance.
  
  
• Lead the execution of analytics initiatives using structured project practices (requirements timelines stakeholder communication UAT rollout).
  
  
• Ensure data integrity: metric definitions reconciliations QA checks and consistent reporting across teams.
  
  

Skills that make someone successful in this role

• Portfolio analytics expertise: segmentation vintage analysis trend attribution and performance driver identification.
  
  
• Decision science mindset: hypothesis-driven analysis measurement design and quantifying trade-offs (risk vs. growth vs. profitability).
  
  
• Data rigor: reconciliation discipline metric governance documentation and repeatable processes.
  
  
• Business translation: turning analysis into clear actions for underwriting strategy policy changes and operational improvements.
  
  
• Influence without authority: partnering across Underwriting Ops Compliance Capital Markets and Product to implement change.
  
  
• Execution strength: delivering analytics products (dashboards datasets alerts) reliably and improving them over time.
  
  

Preferred qualifications (nice to have)

• Advanced degree (MS/MBA/PhD) in a quantitative field.
  
  
• Familiarity with modern data stacks (e.g. Snowflake/BigQuery/Redshift dbt Airflow) and version control (Git).
  
  
• Experience supporting capital markets needs: investor reporting securitization support due diligence credit tape analysis and guideline overlays.
  
  
• Experience designing and evaluating policy tests/experiments (A/B testing where applicable quasi-experimental measurement monitoring for unintended impacts).
  
  
• Tools: JIRA/Confluence Airtable and project planning practices for analytics delivery.

Required Experience:

Senior IC