Senior Data Scientist, Product Analytics - Credit Card

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.

Role

We are seeking a Senior Data Scientist to join our Pricing team in the Lending Organization, with focus on our Credit Card business. This is an exciting role for someone looking to make a direct impact on the revenue and profitability of SoFi’s Credit Card business.

Responsibilities

Design and run A / B tests and controlled experiments to evaluate the impact of pricing, offers, and messaging strategies on acquisition, usage, credit risk and profitability.

Utilize advanced analytics to monitor credit card performance, identify pricing optimization opportunities (e.g., APR structures, fees, and offers), and make data‑backed decisions that improve profitability and user experience.

Work closely with cross‑functional teams – including Risk, Business, Finance, Marketing, Engineering and Product – to ensure successful design, testing, and implementation of pricing initiatives from concept to launch.

Conduct competitive benchmarking and market research to assess credit card pricing trends, promotional offers, and customer preferences to inform product positioning.

Define and track key performance indicators (KPIs) and metrics to measure product success, and drive improvements based on these insights.

Collaborate with the Pricing Data Science team to build and enhance analytical models that inform pricing decisions – such as elasticity, profitability, sensitivity, and optimization models – to support business strategy and improve financial outcomes.

Ensure that products meet customer expectations and are positioned to deliver maximum value and satisfaction.

Lead pricing and product development initiatives, mentor team members, and communicate effectively with senior leadership to drive business outcomes.

Analyze product feedback, usage data, and performance metrics to drive continuous product iterations and improvements.

Qualifications

B.S. or M.S. in Computer Science, Statistics, Operations Research, Engineering, Mathematics or a related quantitative field is required. M.B.A. preferred, not required.

5+ years of industrial experience working in the credit card industry in an analytics, business strategy, pricing, or related role.

Strong understanding of Credit Card PnL (profit and loss) drivers.

Proven track record of end‑to‑end experience in utilizing and laying strategic framework for model development, testing, implementation and performance tracking in the financial services industry.

Knowledge and understanding of statistical and econometric modeling methods for significance testing and causal inference.

Strong programming skills in SQL, Python and proficiency in Tableau.

Ability to work in a dynamic, cross‑functional environment, with strong attention to detail.

Effective communication skills and ability to explain complex concepts in simple terms.

Strong relationship building and collaborative skills.

Excels in a fast moving environment with outstanding stakeholder management abilities.

Exceptional problem‑solving skills.

Nice to Have

Experience in building pricing models / strategies.

Experience working with product and / or engineering teams.

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.

Equal Opportunity and Fair Employment

SoFi is an equal opportunity employer and is committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to protected characteristics.

#J-18808-Ljbffr