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Lead independent second-line oversight of the small business credit portfolio. Evaluate underwriting, credit strategies, portfolio health, KRIs, and emerging risks. Provide data-driven challenge to first-line, advise senior leadership, refine risk frameworks, and support regulatory examinations to ensure alignment with risk appetite and regulatory requirements.
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Who we are:
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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:
As the Small Business Banking Credit Oversight Lead, you will drive independent oversight of the Bank's small business credit portfolio. In this role, you will ensure credit strategies, underwriting standards, portfolio performance, and risk management practices align with the Bank's risk appetite and regulatory requirements. Serving as a strategic advisor and credible challenger to senior leadership, you will proactively identify emerging risks, influence sound lending decisions, and champion a strong risk culture—all while maintaining second-line independence.
What you’ll do:
- Provide End-to-End Oversight: Drive independent second-line risk oversight across the entire small business credit lifecycle, including originations, underwriting, servicing, and collections.
- Evaluate & Challenge Business Initiatives: Independently assess credit strategies, pricing, underwriting standards, and new products while providing credible challenge to first-line business partners with data driven analysis supporting risk and return.
- Monitor Portfolio Health: Track credit quality, loss performance, and key risk indicators (KRIs) to proactively flag areas requiring executive intervention.
- Identify Emerging Threats: Lead portfolio-level risk assessments to uncover emerging credit trends, risk concentration, operational, and macroeconomic trends.
- Advise Senior Leadership: Present independent risk findings, objective opinions, and actionable recommendations to executive leadership and oversight committees.
- Champion Risk Frameworks: Continuously refine second-line risk assessment, monitoring, and reporting tools to keep pace with industry standards.
- Support Regulatory Compliance: Serve as the second-line subject matter expert during regulatory examinations and internal risk audits.
What you’ll need:
- Experience: 10+ years of credit risk management, loan review, commercial/small business underwriting, or internal audit experience in a financial institution.
- Domain Knowledge: Expert knowledge of small business lending, commercial underwriting standards, credit policy, and regulatory expectations.
- Key Skills: Outstanding executive-level communication, quantitative and qualitative analytical skills (from raw data mining and validation to strategic insight), and senior stakeholder management capabilities.
- Risk Perspective: Proven experience evaluating credit strategies, portfolio health, and risk appetite limits from an independent second-line or oversight perspective.
- Executive Influence: Strong ability to deliver credible challenge and guide senior leadership decisions using data-backed risk analysis.
What Success Looks Like:
- Robust Oversight: Fortifies second-line oversight of the Small Business Lending portfolio by driving proactive risk identification and delivering decisive, timely challenge.
- Strategic Influence: Shapes and optimizes underwriting strategies, portfolio management frameworks, and credit governance to support sustainable lending.
- Forward-Looking Insights: Uncovers emerging risk trends to deliver actionable intelligence that guides sound executive and risk-committee decisions.
- Balanced Collaboration: Champions a collaborative partnership with first-line business leaders while preserving uncompromising independent risk judgment.
- Scalable Growth: Establishes a forward-looking risk framework that enables responsible, profitable expansion of the Small Business Lending business.
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 RightsSoFi 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 [email protected].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 Seattle, Washington, USA Office
The office is located in Pike Tower, just five blocks from Pike Place Market, and houses some of our Engineering, Design, and Product teams - including engineers, product managers, and other technical functions.
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