Senior Product Manager, Underwriting

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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:

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

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.