SoFi · 3 weeks ago
Credit Risk Governance Director, Small Business Banking
United States
Full-time
Remote
Senior Level, Lead/Staff
10+ years expSoFi is a next-generation financial services company and national bank committed to transforming personal finance. The Credit Risk Governance Director will lead the development and oversight of the risk governance framework for Small Business Banking products, ensuring regulatory compliance and effective risk management practices.
CreditCredit CardsFinancial ServicesFinTechLendingWealth Management
Responsibilities
Design, implement, and maintain a comprehensive risk governance framework for Small Business Banking
Provide oversight across risk types for all product and feature launches as well as partner with 1LOD risk owners on ensuring we are appropriately identifying, monitoring, and mitigating risks as part of our framework programs as we scale and grow this business
Oversee credit risk policies, underwriting standards, credit guidelines, and portfolio management procedures
Establish governance routines including reporting to risk committees
Challenge and validate new account strategies to minimize risk
Assist with regulator/auditor requests and remediation plans
Monitor portfolio performance, early warning indicators, and key risk metrics; ensure issues are escalated promptly
Analyze macroeconomic data for business impact forecasts, trend analysis, and stress scenarios viability
Recommend strategy adjustments based on performance results, market conditions, and regulatory developments
Qualification
Required
10+ years of experience in credit risk management, underwriting, or risk governance in Small Business Lending or adjacent commercial/small-ticket lending segments
Deep understanding of small-business banking and credit products, including term loans, lines of credit, SBA loans, merchant cash products, checking or embedded finance
Strong knowledge of regulatory frameworks (ECOA, Fair Lending, UDAAP, SBA SOPs) and portfolio risk management practices
Experience specifically with stress testing, model analytics, benchmarking, and review/challenge functions
Demonstrable ability to provide robust oversight, review, and challenge of risk management processes, portfolio risk reports, and credit data
Comprehensive understanding of credit analysis, counterparty risk, risk measurements, and portfolio stress testing
Knowledge of scenario design, sensitivity shocks, macroeconomic variables, and the risk identification process
Proficiency in using risk management tools and exposure monitoring processes
Exceptional analytical, communication, and executive presence skills
Company
SoFi
SoFi is a finance company that offers a range of lending and wealth management services.
1001-5000 employees
H1B Sponsorship
SoFi has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (213)
2024 (117)
2023 (131)
2022 (118)
2021 (81)
2020 (42)
Funding
Current Stage
Public CompanyTotal Funding
$12.25BKey Investors
Fortress Investment GroupPGIMQatar Investment Authority
2025-12-04Post Ipo Equity· $1.5B
2025-07-29Post Ipo Equity· $1.5B
2025-04-17Post Ipo Debt· $3.2B
Leadership Team
Anthony Noto
CEO
Jeremy Rishel
Chief Technology Officer
Recent News
Business Wire
2026-01-07
2026-01-06
dcm.com
2025-12-31
Company data provided by crunchbase