SoFi
Senior Director, International Risk Oversight
UT - Cottonwood Heights; CA - San Francisco; NY - New York City · Director
Sponsorship not specifiedDetected 6 days ago
Product ManagementLeadershipCommunicationProblem SolvingPublic SpeakingCFA
About the role
- This role sits within Enterprise Risk Management (ERM) as part of Independent Risk Management (IRM) and serves as a senior second-line-of-defense (2LOD) risk leader supporting SoFi's international growth strategy.
- The role is responsible for driving robust new product approval governance, ensuring alignment with SoFi's risk appetite, regulatory expectations, and strategic objectives across multiple jurisdictions.
Responsibilities
- Serve as the primary IRM point of contact and escalation lead for international product, business, and expansion-related risk matters.
- Lead IRM deal teams in partnership with Business Compliance Officers and cross-functional risk partners to deliver a holistic second-line risk perspective on new products, strategic initiatives, and expansion activities.
- Partner with IRM teams to define minimum risk management standards across risk disciplines, including credit, operational, compliance, financial crimes, liquidity, conduct, and technology risk.
- Design and evolve scalable international risk governance frameworks and operating models to support growth across future global markets.
- Partner with regional and functional stakeholders to establish country-level governance structures, including risk appetite frameworks, policies, controls, limits, monitoring, and escalation protocols.
- Drive governance for new market entry assessments, including regulatory readiness, operational risk considerations, third-party dependencies, and ongoing monitoring requirements.
- Influence and challenge senior leaders constructively to support balanced risk-taking and sound decision-making in complex, evolving regulatory environments.
- Build strong partnerships across IRM, Legal, Compliance, Finance, and business teams to promote effective risk identification, transparency, and accountability.
- Support regulatory interactions, examinations, and internal governance forums related to international products and expansion activities.
Requirements
- Bachelor's degree in Finance, Economics, Business Administration, Risk Management, or a related field.
- 12+ years of experience in financial services risk management, including significant experience within Independent Risk Management, Enterprise Risk Management, or Business Unit Risk Oversight functions.
- Deep expertise in retail banking, consumer lending, and consumer financial products, including experience supporting product governance and new product approvals.
- Strong understanding of risk disciplines including credit, operational, compliance, conduct, financial crimes, reputational, and enterprise risk management.
- Knowledge of regulatory expectations and consumer financial services frameworks applicable to Canada and/or LATAM markets.
- Proven ability to influence executive stakeholders and provide effective independent challenge in a matrixed, fast-paced environment.
- Strong strategic thinking and problem-solving skills, with the ability to synthesize complex and cross-functional risk information into actionable insights.
Nice to have
- Master's degree (MBA, MS Risk Management, or related discipline).
- Professional certifications such as FRM, PRM, CFA, or CRCM.
- Experience interfacing with banking regulators and external auditors across multiple jurisdictions.
- Familiarity with fintech, digital banking, and embedded finance operating models.
- 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.
Compensation
- 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.
Benefits
- To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
Company info
- 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 Senior Director will lead risk oversight for new products, business initiatives, and international market expansion activities, with an emphasis on retail banking and consumer lending products.
- This leader will serve in a Business Unit Risk Officer (BURO)-style capacity, partnering closely with business, compliance, legal, and functional risk teams to establish scalable governance frameworks for international expansion and consumer financial products.
- The ideal candidate brings deep expertise in retail banking and consumer financial products, experience operating in global regulatory environments, and a demonstrated ability to build and mature international risk governance frameworks.
- Provide independent challenge and strategic risk guidance to business leadership on international expansion initiatives, retail banking products, consumer lending strategies, and market entry and expansion decisions.
- Establish and oversee enterprise standards for new product approvals, product modifications, geographic expansions, and business change initiatives.
- Provide second-line oversight of the end-to-end product lifecycle for international retail and consumer financial products, ensuring alignment with enterprise risk appetite and local regulatory expectations.
- Establish clear approval thresholds, governance documentation standards, and escalation criteria for new and expanded products.
- Oversee post-launch product reviews and portfolio monitoring activities to evaluate product performance, emerging risks, and adherence to approved risk parameters.
- What you'll need:
- Demonstrated experience leading second-line risk oversight for international business activities, market expansion initiatives, or multi-jurisdiction product governance programs.
This listing is sourced directly from SoFi's careers page and normalized into a canonical job model.