Senior Product Manager, Underwriting

The role:

As a Senior Product Manager for Underwriting, you will be at the heart of SoFi’s lending engine. You will own the product lifecycle for the platforms and services that determine how we evaluate risk and qualify members for our lending products.

Your mission is to build scalable, high-performance underwriting infrastructure that balances member experience with rigorous risk controls. You won't just be managing a backlog; you will be driving tech capabilities that span across multiple organizations—partnering with Risk, Engineering, Data Science, and Legal to ensure our decisioning engines are fast, accurate, and compliant.  You excel at navigating complex technical dependencies and delivering measurable improvements to the underwriting squad.What you'll do: Own the Underwriting Roadmap: Define and drive the roadmap for our core underwriting and decisioning platforms, ensuring they support SoFi’s multi-product growth.

• Navigate Complexity: Drive tech capabilities and stakeholder buy-in across multiple organizations (Risk, Engineering, Legal, Compliance); effectively manage 3rd party partner integrations.
• Execution Excellence: Lead technical sprints, manage a complex backlog, and prioritize initiatives that improve underwriting throughput and reduce cycle times.
• Bridge the Gap: Translate nuanced risk and policy requirements into clear technical specifications for engineering teams, ensuring "underwriting thinking" is integrated from inception.
• Data-Driven Decision Making: Synthesize inputs from multiple sources (UXR, data analysis, finance) to build strategic rationales. Leverage SQL to track performance and inform prioritization.
• Process Improvement: Drive quality and velocity improvements by removing hurdles for the team and contributing to PM best practices within the Underwriting org.
• Stakeholder Management: Serve as the primary point of contact for underwriting technology, managing expectations and leading change management across the business.

What you’ll need:

• Experience: 5+ years of product management experience, ideally within fintech, lending, or platform-side roles.
• Technical Depth: Strong understanding of system architecture; ability to opine on technical choices and understand the trade-offs of different technical frameworks.
• Communication: Excellent communication skills—able to engage seamlessly with technical, analytical, and business audiences.
• Analytical Skills: Fluency with SQL and data analysis; experience using data to address customer pain points and iterate into solutions.
• Influence: Proven ability to influence beyond your immediate team and foster cross-functional alignment in a matrixed environment.
• Project Management: Strong organizational skills with a track record of running technical sprints and complex product launches.

Nice to have: 

• Direct experience building or scaling underwriting/decisioning platforms.
• Knowledge of credit risk modeling and credit bureau data integrations.
• Experience working with lending platforms
• Experience working with LLMs or generative AI