Home Loans Senior Data Analyst

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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.

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 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 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:

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 strategies. In 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 you’re 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 you’ll 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 pr