Position Details

Type Full-Time

Experience lead

Exp. Years 5+ years

Education Master's degree in Computer Science, Statistics, Mathematics, Physics, Engineering, or a quantitative field required. Ph.D. preferred.

Category AI & Machine Learning

About this role

Lead the evolution of SoFi’s Home Loan and Home Equity risk frameworks using state-of-the-art ML methods to solve default, prepayment, and risk valuation problems for secured loan products.

Key Responsibilities

Lead the design and implementation of ML models for mortgage risk use cases (credit underwriting, DTI validation, automated appraisal reviews)
Provide technical oversight and end-to-end ownership of externally developed models
Present model performance and portfolio insights to senior leadership
Collaborate with Model Risk Management and governance teams to satisfy regulatory standards
Operationalize models with deployment, real-time monitoring, and integration into core business systems

Technical Overview

Stack includes Python, SQL, AWS SageMaker with production deployment, Git, Docker, and CI/CD pipelines; modeling techniques include linear/logistic regression and ensemble methods (XGBoost/LightGBM).

Ideal Candidate

The ideal candidate is a senior data scientist with 5+ years of mortgage risk modeling experience, expert in Python/SQL and production ML on AWS SageMaker, and able to navigate Model Risk Management and regulatory standards.

Must-Have Skills

Master’s degree in a quantitative field5+ years of experience building ML models in Home Loans/Home Equity lendingPythonSQLAWS SageMakerGitDockerCI/CDXGBoostLightGBM

Nice-to-Have Skills

Ph.D. preferredModel Risk Management lifecycle experienceCross-functional experience across ProductEngineeringand Risk

Tools & Platforms

AWS SageMakerGitDockerCI/CD pipelines

Required Skills

Master’s degree in a quantitative field5+ years of ML modeling in Home Loans/Home EquityPythonSQLAWS SageMakerGitDockerCI/CDXGBoostLightGBMlinear regressionlogistic regressionDTI validationAVMsmortgage riskhome loanshome equityModel Risk Managementregulatory compliance

Hard Skills

PythonSQLAWS SageMakerGitDockerCI/CDXGBoostLightGBMstatistical modelinglinear regressionlogistic regressionDTI validationAVMscredit riskmortgage risk modeling

Soft Skills

communicationleadershipstakeholder managementcross-functional collaborationregulatory compliance awareness

Industry & Role

Industry Fintech

Job Function Develop and deploy mortgage risk ML models for home loan and home equity portfolios

Role Subtype Data Scientist

Tech Domains Python, SQL / PostgreSQL, Amazon Web Services, Kubernetes, Docker

Keywords for Your Resume

Staff Data ScientistData ScientistMachine Learning EngineerPythonSQLAWS SageMakerGitDockerCI/CDXGBoostLightGBMlinear regressionlogistic regressionDTIAVMsmortgage riskhome loanshome equityModel Risk ManagementMRMregulatory compliancecredit riskmortgage risk modelingproduction5+ years

Deal Breakers

5+ years mortgage risk modeling experience, Production ML experience with AWS SageMaker, Python and SQL proficiency

Apply for this Position →

Get matched to jobs like this

Luna finds roles that fit your skills and career goals — no endless scrolling required.

Create a Free Profile