Senior Credit Product Owner u2013 Home Loans

About the position

We are seeking a Senior Credit Product Owner to drive the development and execution of SoFi's mortgage credit products across Conventional, Jumbo, FHA, and Portfolio credit strategy into scalable, technology-enabled solutions. This is not an operations or exception review role-this is a true product leadership role focused on driving innovation in credit program design, implementation, and optimization. You will lead credit product initiatives from concept to deployment, working across Product, Engineering, Capital Markets, Risk, and Operations to bring world-class credit capabilities to market. This role is foundational to SoFi's success in modernizing mortgage lending and expanding its product offering.

Responsibilities

• Define and manage the roadmap for credit policy execution across all Home Loans products (Conventional, Jumbo, FHA, Portfolio).
• Partner with business and capital markets to translate investor and strategic requirements into executable product features.
• Own backlog prioritization and ensure delivery of high-impact features aligned with business goals.
• Lead the end-to-end delivery of credit initiatives, including pricing eligibility, underwriting guideline automation, and new program rollout.
• Work closely with Engineering to break down credit requirements into deliverables and acceptance criteria.
• Drive Agile ceremonies, ensure sprint velocity, and remove blockers to delivery.
• Institutionalize credit delivery as a formal product vertical, building repeatable processes and metrics for delivery performance.
• Develop business cases and execution plans for new credit offerings and guideline enhancements.
• Collaborate with Product, Tech, and Risk to bring new programs to market with speed and compliance.
• Serve as the central voice connecting Credit Strategy, Capital Markets, Underwriting, Legal, Compliance, and Ops.
• Proactively align roadmap priorities with business needs and market opportunities.
• Lead cross-functional forums to track progress and drive alignment.

Requirements

• 7-10+ years of experience in mortgage product management, credit product ownership, or a similar strategic role within lending.
• Deep understanding of residential mortgage programs, including Conventional, Jumbo, FHA, and Portfolio.
• Proven track record of launching and managing lending products and credit programs end-to-end.
• Experience working with LOS (e.g., Encompass), pricing engines, DU/LP, and credit/income verification tools.
• Strong familiarity with investor guidelines, credit overlays, capital markets, and credit policy execution.
• Ability to operate in Agile frameworks and lead cross-functional delivery using tools like Jira and Confluence.
• Excellent communication, organization, and leadership skills.
• Comfortable influencing at the VP/SVP level and managing matrixed teams.

Benefits

• Base pay range: $115,200.00 - $216,000.00
• Eligible for a bonus and long-term incentives.
• Comprehensive and competitive benefits.