SoFi · 2 days ago
Principal, Home Loans and Commercial Valuation Strategy & Governance
United States
Full-time
Remote
Lead/Staff
15+ years expSoFi is a next-generation financial services company and national bank that is transforming personal finance. The role involves serving as the Subject Matter Expert on property valuation, leading the enterprise valuation strategy, and ensuring compliance with valuation policies across various asset classes.
CreditCredit CardsFinancial ServicesFinTechLendingWealth Management
Responsibilities
Serve as the final authority on property valuation trends and risks across both Residential and Commercial (CRE/MF) asset classes
Maintain a deep understanding of the macro and micro-economic drivers of the housing and commercial markets
Provide strategic counsel to business line leaders and Credit Policy on how market shifts should impact lending appetite and collateral requirements
Exercise full oversight of House Price Index (HPI) models, ensuring they accurately capture market movements and volatility
Build and maintain a comprehensive Housing Surveillance Framework
Use HPI models and external data to monitor regional trends, identify price bubbles, and establish geographic "hot zone" triggers
Integrate surveillance outputs directly into the "Valuation Engine" to automatically escalate scrutiny in volatile markets
Define risk tiers and set coverage rules (Appraisal vs. Evaluation vs. AVM) based on exposure, complexity, and surveillance triggers
Own and govern the complete policy suite, including Real-Estate Valuation, Evaluation Policy, Reconsideration of Value (ROV) Framework, and AVM Strategy
Select and govern AVMs
Lead the program for testing, back-testing, and challenger modeling
Implement random-sample validation and bias/fairness checks
Publish performance scorecards and remediation plans to ensure alignment with OCC/Interagency guidance
Coordinate with Credit Policy, Model Risk, Compliance/Fair Lending, and Originations/Servicing to drive a seamless, compliant valuation process
Define the enterprise RACI for valuation decisions; establish a monthly/quarterly reporting cadence for KRIs and KPIs to executive leadership
Qualification
Required
15+ years of related experience in Real Estate Valuation, Housing Economics, or Collateral Risk Management
Minimum Education Requirements such as: Bachelor's Degree or Higher
Deep technical knowledge of HPI modeling and a mastery of both Residential and Commercial property markets
Expert-level understanding of USPAP, Interagency Appraisal and Evaluation Guidelines, and AVM Quality Control expectations
Ability to build data-driven surveillance frameworks and manage complex model-risk environments
Proven ability to drive results through partnership, moving the organization toward a sophisticated, tech-enabled valuation future
A track record of transforming manual, legacy processes into tech-enabled, automated, and risk-sensitive operating models
Benefits
Comprehensive and competitive benefits
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
2026-01-16
The Motley Fool
2026-01-16
2026-01-16
Company data provided by crunchbase