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Innovation Endeavors

Credit Card Segment Lead



San Francisco, CA, USA
Posted on Saturday, August 26, 2023

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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 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

SoFi’s card business aims to offer competitive and differentiated credit cards to existing members and to consumers in the open market. The credit card business is organized along 4 segments ranging from new to credit to superprime. In this role, you will lead the one of our credit card segments for SoFi.

In the role, you will define the credit card value proposition and pricing for segment. You will work with marketing, credit risk and data science partners to define a targeting strategy that optimizes for customer value, risk and returns.

In your role, you will be accountable for the growth trajectory of the segment and segment profitability.

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 segment

  • 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

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

  • Develop the account management strategies for segment, in collaboration with cross-functional partners

  • 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

What you’ll need:

  • 8+ years experience preferred

  • Excellent leadership and communication skills

  • Well developed analytical skills

  • Credit Card segment or product management 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!
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.
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
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.