Credit Card Segment Lead

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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

SoFi's card business aims to offer competitive and differentiated credit cards to existing members and to consumers in the open market. In this role, you will lead the credit card segments for SoFi.

You will define the credit card value proposition and pricing for the prime and member segments in the role. You will work with cross-functional partners including marketing, credit risk, and data science partners to define a targeting strategy that optimizes customer value, risk, and returns.

You will be accountable for the segment growth trajectory and profitability in your role.

What you'll do:

• Define and own the value proposition (incl. Product, Rewards, & Pricing), in collaboration with our marketing and product teams

• Own the P&L for the SoFi credit card segments

• Work closely with marketing and credit risk partners to develop & refine a targeting strategy (framework, models) that results in profitable and resilient new account originations

• Analyze segment performance at the portfolio level and by vintage to drive insights and optimization

• Hold an oversight role on key business decisions and tech requirements for critical projects

• Build a Test & Learn agenda, in collaboration with cross-functional partners, to optimize product and pricing for the segments. Develop analytical insights from historical testing

• Monitor competitive activity and competitive offers by channel, and incorporate insights into go-forward strategies

• Develop and provide regular reporting and business updates on segment performance, including to senior and executive leadership

• Develop and execute durable business plans with clear requirements, constraints, ownership, and deliverables

• Drive alignment and buy-in on solutions and strategies to meet the needs of the members and business goals

• Organize, manage, and plan complex projects and programs

What you'll need:

• 15+ years of related experience preferred

• Expert change management skills and experience developing and driving project plans that address member needs and expand market share

• Strong leadership skills with the ability to effectively influence departmental and cross-functional teams focused on delivering new or upgrading existing products

• Excellent communication and collaboration skills with the ability to tailor communication to varying audiences to enable key partners and stakeholders to deliver as one team

• Founders Mentality (action orientation, high sense of ownership, problem-solving mentality, hands-on management)

• Strong analytical skills and ability to distill complex information into their most fundamental truths

• Proven ability to deliver critical initiatives in partnership with cross-functional teams

• Develop clarity and  structure in a dynamic environment

• Credit Card segment experience

• Sound understanding of credit card economics and credit risk dynamics

• Prior experience running complex credit card analyses desired

• Quantitative undergraduate degree preferred

• Proficiency in SQL/Python preferred

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!

Pay range: $153,600.00 - $264,000.00

Payment frequency: Annual

This role is also eligible for a bonus, long term incentives and competitive benefits. More information about our employee benefits can be found in the link above.

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 embracing diversity. 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.