---
title: 'Sr. Product Manager, Borrow and Operations at SoFi'
canonical: 'https://feeny.ai/job/sr-product-manager-borrow-and-operations-sofi-charlotte-qw73qxnt6n76'
type: 'job'
last_seen: '2026-10-15'
---

# Sr. Product Manager, Borrow and Operations at SoFi

- **Company:** SoFi
- **Location:** Charlotte, NC / Jacksonville, FL / Frisco, TX
- **Posted:** 2026-10-06
- **Last confirmed live:** 2026-10-15
- **Apply:** https://sofi.com/careers/job/8013180003?gh_jid=8013180003

## Job description

[Employee Applicant Privacy Notice](https://www.sofi.com/sofi-employee-applicant-privacy-notice/)

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

We are seeking a Senior Product Manager / Lead to own the product charter for Borrow & Operations technology, with a strong focus on our Home Lending business.

A product manager charter defines the product's vision, scope, and business goals. This role uses that charter to lead cross-functional teams in discovering, building, and delivering a solution that operators and members rely on and that drives sustainable business value.

This is a Senior Manager role (M4). It owns one of IT Operations' most complex companywide programs: the application ecosystem that runs Home Lending from origination through underwriting, closing, and servicing. The leader sets direction, prioritizes the roadmap, and is accountable for reliability, control, and operational outcomes across Encompass 360, Blend, NICE inContact, SoFi-developed applications, and the vendor platforms connected to them.

The role leads a growing team of individual contributors who independently administer, configure, integrate, and automate the Home Lending application portfolio. They set the product vision, sequence the work, clear cross-functional blockers, and hold the team to outcomes: less manual work, faster fulfillment, stronger controls, and a platform that scales with Borrow volume.

The ideal candidate combines product judgment with enough technical fluency to partner credibly with application administrators, engineering, risk, compliance, and Home Lending operations. They are comfortable making decisions where the right product shape is not yet defined, and they know when a choice has long-range implications that need leadership alignment.

## What You'll Do

- Own the product charter for Borrow & Operations technology: vision, scope, success measures, and the business goals the roadmap exists to hit.
- Set and sequence the Home Lending application roadmap across origination, underwriting, document management, eSignature and eVault, bureau and third-party integrations, payments, servicing, regulatory data feeds, and employee lifecycle support.
- Lead a new team focused on the Borrow and Home Lending lines of business. Plan their work, coach them, and make resourcing and priority calls so day-to-day administration, projects, and platform improvements stay in balance.
- Lead cross-functional discovery with Home Lending Operations, Engineering, Product, Risk, Compliance, Security, Identity and Access Management, and vendors. Turn operational friction into scoped problems and delivered solutions.
- Decide what to build, configure, automate, or stop. Assess alternatives, operational risk, regulatory impact, and cost, and shape how IT supports Borrow operations.
- Influence function-level decisions by partnering with senior individual contributors and IT and business leadership. Consult leadership when a choice has long-range implications for the platform, the control environment, or the operating model.
- Hold the team accountable for reliability, security, and auditability of Encompass 360, Blend, NICE inContact, SoFi-developed applications, and related integrations, including SOX and regulatory requests.
- Sponsor automation that removes repeatable manual work in provisioning, configuration, data movement, and fulfillment, and measure whether it reduces cycle time and operational risk.
- Own intake and prioritization so investor, partner, servicer, and new-product onboarding is planned rather than absorbed as unscoped administration.
- Represent the product in operating reviews. Surface risks that could cause significant delays, cost, or resource constraints, and drive mitigation with the stakeholders who can act.
- Establish standards for how the team documents configuration, change, and runbooks so knowledge is not trapped with individuals.
- Develop the two Applications Administrators through clear expectations, feedback, and growth toward independent ownership of complex workflows.

## What You'll Need

- Bachelor's degree in a related field, or equivalent relevant professional experience.
- Demonstrated experience owning a complex, multi-system product or operations platform in lending, mortgage technology, or another regulated operating environment.
- Experience leading individual contributors, including planning work, coaching, and making priority and resourcing decisions.
- Experience defining a product vision and roadmap and delivering it with engineering, operations, risk, and compliance partners.
- Working knowledge of the mortgage or consumer lending lifecycle and the applications that support it, including origination, disclosures, underwriting, closing, and servicing.
- Enough technical fluency to direct work on configuration, integrations, identity, automation, and change control, and to review the judgment of the administrators who execute it.
- Experience making trade-offs among speed, reliability, control, and cost where a wrong call can affect members, operations, or the control environment.
- Ability to influence peers and senior stakeholders across functions, and to recognize when a decision has long-range implications that need leadership alignment.
- Strong written and verbal communication, including the ability to explain product choices, risk, and operational impact to technical and non-technical leaders.
- A record of improving a live operating platform: fewer manual steps, clearer ownership, stronger controls, and measurable business results.

## Nice to Have

- Direct experience with Encompass, Blend, or a comparable loan origination system, as a product owner or as the leader of the team that administers it.
- Experience with Optimal Blue, NICE inContact, eVault or eSignature, bureau integrations, or servicing platforms.
- Experience leading SOX, privacy, or regulatory control work for business-critical applications.
- Experience in FinTech, banking, or mortgage operations.
- Familiarity with ServiceNow or a similar system of record for change, incidents, and request fulfillment.

## 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](https://sofietyinfo.sofi.com/sofi-benefits) 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.

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](https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf)

SoFi is committed to an inclusive culture. 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.

We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico 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.

## About SoFi

## Company Overview
- **One-liner**: SoFi is a next-generation fintech company using innovative, mobile-first technology to help 14.7 million members reach financial independence and “get their money right.”
- **Entity Type**: Public (Ticker: SOFI on Nasdaq)
- **Headquarters**: San Francisco, California, USA (with offices in Seattle, New York, Frisco, Cottonwood Heights, Helena, Murray, Greenville, Claymont, and more)
- **Founded**: 2011
- **Founders**: Founded by Stanford business school students (originally as Social Finance, Inc.) — specific names not listed in the provided sources.

## Core Business
- **Primary industry/industries**: Personal finance / financial services (banking, lending, investment, credit, insurance)
- **Target customers**: B2C (individual members seeking loans, banking, investing, credit cards, mortgages, travel rewards) and B2B (employer‑facing “SoFi at Work” benefits and financial wellness programs)
- **Mission**: “To help people reach financial independence to realize their ambitions.”

## Products & Services
- **[SoFi Checking & Savings](https://www.sofi.com/)**: FDIC‑insured checking and savings accounts with no fees, competitive APY, and early direct deposit.
- **[SoFi Invest](https://www.sofi.com/invest/)**: Commission‑free stock trading, crypto trading, automated investing, and IPO access.
- **[SoFi Personal Loans](https://www.sofi.com/personal-loans/)**: Unsecured personal loans for debt consolidation, home improvement, etc. (up to $100K).
- **[SoFi Student Loan Refinancing](https://www.sofi.com/student-loans/)**: Refinancing for federal and private student loans (the first company to offer this).
- **[SoFi Mortgages](https://www.sofi.com/mortgage/)**: Home purchase and refinance loans.
- **[SoFi Credit Card](https://www.sofi.com/credit-card/)**: 2% unlimited cash back rewards on all eligible purchases.
- **[SoFi Travel](https://www.sofi.com/travel/)**: Booking portal powered by Expedia, allowing members to save and earn rewards.
- **[SoFi Insurance](https://www.sofi.com/insurance/)**: Comparison and access to auto, home, renters, pet, and life insurance.
- **[SoFi at Work](https://www.sofi.com/at-work/)**: Employer‑sponsored financial wellness benefits, including student loan contributions and refinancing.
- **[Galileo](https://www.sofi.com/our-story/)**: Financial technology platform (API‑based) for card issuing and digital banking, operated as a subsidiary.

## Market Standing
- **Valuation/Market Cap**: Publicly traded on Nasdaq (SOFI). Current market cap is not directly provided in the sources; refer to SoFi’s latest SEC filings or financial data platforms.
- **Key Metrics**:
  - **14.7 million members** (as of 2025‑2026) — [sofi.com](https://www.sofi.com/)
  - **$117 billion+ in funded loans** — [sofi.com](https://www.sofi.com/)
  - **$34 billion+ in debt paid off by members** — [sofi.com/our-story](https://www.sofi.com/our-story/)
  - **$12.5 billion+ in rewards earned** — [sofi.com](https://www.sofi.com/)
  - **Annual Revenue**: See SoFi Technologies 2025 Annual Report (SEC filing) for latest financial results — [sec.gov](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000034/sofitech2025ars.pdf)
- **Notable Investors/Partners**: Not detailed in provided sources; historically received a $1 billion funding round in 2016 (the first U.S. fintech to do so) — [sofi.com/our-story](https://www.sofi.com/our-story/)
- **Growth Signals**:
  - Received federal approval to become a national bank (2023) — [sofi.com/our-story](https://www.sofi.com/our-story/)
  - Reached 10 million members in 2022 and 14.7 million by early 2026 — [sofi.com](https://www.sofi.com/)
  - 121 open roles listed across 16 locations as of mid‑2026 — [sofi.com/careers](https://www.sofi.com/careers/)
  - Continuous product expansion (travel, credit card, bank, etc.)

## Competitive Advantages
- **All‑in‑one fintech ecosystem**: Banking, lending, investing, insurance, and travel in a single mobile‑first app — hard for single‑product fintechs to replicate.
- **SoFi National Bank**: FDIC‑insured checking and savings, giving SoFi a direct banking charter that reduces reliance on third‑party partners.
- **Galileo Platform**: Powers card issuing and digital banking for many fintechs, creating a network effect and deeper technology moat.
- **Member‑centric rewards**: SoFi Plus membership program bundles benefits (higher APY, bonus rewards, career coaching).
- **Student loan repayment as employee benefit**: Unique perk for attracting talent (as well as offering SoFi at Work to other employers).

## Strategic Focus
- **Deepen member engagement**: Cross‑sell more products within the single app to increase lifetime value.
- **Grow the bank**: Expand deposits, lending, and banking services under the national bank charter.
- **SoFi at Work**: Scale B2B benefits offering to acquire members through employers.
- **International/vertical expansion**: Potential for new product lines (e.g., SoFi Travel, insurance marketplace).
- **Maintain cost discipline**: Leverage technology to keep customer acquisition costs low while improving unit economics.

## Why Work Here
- **Culture**: Defined by “The SoFi Way” — act as a founder, relentless problem solver, and partner to members and colleagues. Emphasis on transparency, trust, and cross‑collaboration.
- **Flexible Work**: Some teams offer remote, hybrid, or full‑time in‑office based on role; managers help decide the best setting. SoFridays (no meetings after 2 p.m. local time) protect focus time.
- **Benefits**:
  - **$200/month student loan contribution** to help employees pay down debt — [sofi.com/careers](https://www.sofi.com/careers/)
  - Comprehensive health, vision, dental, life, disability; fertility & family planning options; flexible time off
  - Tuition reimbursement up to $5,250/year + regular training and leadership programs
  - **SoFi Gives**: 16 hours of paid volunteer time off per year
  - **SoFi Circles**: 8 Employee Resource Groups fostering inclusion and belonging — [sofietyinfo.sofi.com/why-sofi](https://sofietyinfo.sofi.com/why-sofi)
- **Learning & Development**: Career pathways, manager excellence framework, and mentorship programs.
- **Monthly All‑Hands with CEO** for direct transparency.
- **Locations**: Major hubs include San Francisco, Seattle, New York, and Frisco (Texas); remote work is not available from Hawaii or Alaska due to insurance coverage — [sofi.com/careers](https://www.sofi.com/careers/)

## Sources
1. [SoFi Careers Page](https://www.sofi.com/careers/) — benefits, culture, job openings, locations
2. [SoFi Homepage](https://www.sofi.com/) — member count, funded loans, key metrics
3. [SoFi Our Story / About](https://www.sofi.com/our-story/) — founding history, milestones, mission
4. [SoFi 2025 Annual Report (SEC)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000034/sofitech2025ars.pdf) — financials
5. [SoFi Candidate Resource Website (Why SoFi)](https://sofietyinfo.sofi.com/why-sofi) — flexible work, culture, SoFi Gives, learning programs, SoFridays

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