Director, Crypto Lending

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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:

The Business Unit Lead (Business Lead) will have primary day-to-day responsibility for managing the Crypto Lending service line, including sales and contracting, end-to-end operational delivery, P&L, and Risk, all in coordination with functional partners in areas such as engineering & product, finance, legal, operations, compliance, and risk management. Because this is a new service not yet in market, the Business Lead will also have the opportunity to shape the product and feature roadmap, the credit/collateral frameworks, and the underlying technology and operating model.

The Business Lead will report to the SVP, Crypto. This role is a great fit for someone who brings deep experience in digital assets, institutional lending, or prime brokerage, an ability to integrate all of the disciplines necessary to run a successful and compliant business, and a desire to create something new in a highly regulated environment.

What you’ll do:

Shape the Strategy: Refine the existing business plan and the detailed work plan for building out crypto lending capabilities (e.g., collateralized lending, yield generation, or institutional lines of credit) based on your deep experience and expertise.

Drive the Build: Lead the "build" process from pilot to general launch stages, working closely with partners in engineering, operations, compliance, legal, and risk to establish secure custody, valuation, and liquidation infrastructure.

Manage Day-to-Day Operations: After launch, lead and coordinate the daily operations of the crypto lending business, holding ultimate accountability for financial performance (P&L), operational excellence, and strict adherence to regulatory compliance and risk parameters.

Lead Client Acquisition: Play a direct role in client sales, onboarding, and contracting, in conjunction with the legal and finance teams, and external institutional partners as appropriate.

Evolve the Roadmap: Lead strategic thinking for the evolution of the crypto lending service line in terms of institutional clients, digital asset use cases, and product features, maintaining a "living" roadmap for future enhancements.

Align with the Bank: Ensure that the crypto lending business strictly aligns with the Bank’s broader strategic goals, capital requirements, and macroeconomic risk mitigation strategies.

What you’ll need:

Deep Subject Matter Expertise: Strong understanding of crypto markets, digital asset lending mechanics, prime brokerage services, collateral management, and the broader Web3/digital asset financial ecosystem.

Proven Experience: At least 10 years of progressively responsible experience in financial services, with at least 5 years specifically focused on crypto financial services, institutional lending, or structured credit.

Business Leadership: Demonstrated success overseeing a lending-related or digital asset line of business, with a track record of driving revenue and managing credit/market risk.

Cross-Functional Execution: Demonstrated ability to lead cross-functional teams, bridge the gap between traditional finance (TradFi) and decentralized infrastructure, and collaborate heavily with engineering and product teams.

Entrepreneurial Instincts: A builder mindset comfortable with ambiguity, navigating evolving market structures, and launching a business line from scratch.

Regulatory Rigor: A clear commitment to operating to the letter and spirit of regulatory, compliance, and risk parameters in a rapidly evolving legislative landscape.

Education: Bachelor’s degree in a relevant discipline (e.g., Finance, Economics, Computer Science) or equivalent practical experience.

Nice to have:

• Regulated Banking Background: Experience overseeing a digital asset or complex lending business within a regulated Bank or federally chartered financial institution.

• Risk & Liquidation Expertise: Hands-on experience designing automated margin-call and liquidation engines for volatile asset classes.

• Ground-Up Builds: Experience building new crypto or financial service extensions from the "ground up."

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.