**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 Business Manager Credit Reporting Agency Management who will be at the forefront of business strategy, working closely with the three main credit reporting agencies—Experian, TransUnion, and Equifax—as well as additional credit third parties, such as Innovis, Nova Credit, and FICO. This individual will also be responsible for designing and implementing business solutions that create value across multiple platforms and products. This position will be responsible for and leading Permissible Purpose and Credit Bureau Data usage for the Enterprise
**What you’ll do: **
- Act as the primary business Operations liaison between the organization and credit bureau agencies
- Develop and maintain strong business relationships with the Bureaus and internal BUs
- Understand the trends in credit data errors/opportunities and work with credit bureau agencies to improve
- Lead projects focused on the continuous improvement of credit data and bureau engagement - particularly focused in Permissible Purpose scope
- Identify opportunities to strengthen relationships with credit bureau agencies and leverage partnerships to drive business value
- Partner with the SMO and Procurement to ensure maximum contractual leverage and business value received from each bureau relationship
- Stay informed and address developments in the credit bureau industry and assess their impact on the organization with rules at each bureau
- Ensure that credit reporting practices comply with applicable laws and regulations (e.g., Fair Credit Reporting Act, GDPR)
- Implement and maintain appropriate risk management controls related to credit bureau processes both internally and with the Bureaus
- Provide regular reporting and analysis on the status of the credit bureau relationships and data quality metrics
- Lead and owe Permissible Purpose and credit bureau data usage intent and execution for the Enterprise
**What you’ll need: **
- 5+ years of experience with credit data and credit processes, or a related financial services role
- Proven track record of working directly with credit reporting agencies (Experian, TransUnion, Equifax) and/or third-party credit data companies
- Strong understanding of credit data flows, operational data processes and standards
- In-depth knowledge of banking laws and regulations, including the Fair Credit Reporting Act (FCRA), GDPR, and other relevant compliance standards
- Strong analytical and problem-solving skills; ability to use data to inform strategic decisions and drive business outcomes
- Strategic thinker who can develop credit data analysis to drive results and support enterprise business goals
- Excellent verbal and written communication skills, with the ability to influence and drive value cross-functionally
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.
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 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.
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.