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:
The Marketing Data Science (MDS) team is seeking an experienced Machine Learning professional to join the group. This team is essential for supporting SoFi's Marketing organization by providing data-driven decision-making through rigorous analytics, modeling, experimentation, and measurement.
The primary responsibility of this role is to build and scale machine learning models that drive marketing and growth across SoFi's product suite. The focus will be on developing predictive models for key areas: acquisition, conversion, retention, and customer lifetime value (LTV), utilizing behavioral, transactional, and credit data. This role requires strong collaboration across teams to identify the business needs, manage the end-to-end model development cycle, implement the model in production, and monitor performance, while maintaining strict compliance with all regulatory standards.
What you’ll do:
Design, develop, and deploy machine learning models to optimize customer acquisition, onboarding, and lifecycle engagement across financial products (e.g., loans, credit cards, money, invest, crypto and etc).
Build predictive models for critical business outcomes, including Customer Lifetime Value (LTV), conversion propensity, cross-sell/upsell effectiveness, and retention across various channels (e.g., direct mail, email, in-app, Operations).
Leverage structured and unstructured data (e.g., behavioral signals, transaction data, credit attributes) to drive audience segmentation and personalization at scale. Develop and maintain a robust feature store to accelerate the end-to-end model development lifecycle.
Build experimentation frameworks to support A/B testing and measure the incremental business impact of the models. Work with the other team members to incorporate the models in marketing/campaign strategies.
Collaborate with Fair Lending (FL) and Model Risk Management (MRM) to ensure the models and targeting strategies adhere to fair lending laws, privacy regulations, and responsible marketing practices.
Support the efficient scoring and implementation of models through both real-time and batch processes, ensuring the timely availability of scores for marketing execution and deep analytics.
Monitor model performance with a focus on business outcomes (conversion, retention, revenue, risk-adjusted returns) and continuously iterate based on insights.
Partner closely with team members within MDS and key business stakeholders on defining business requirements, prioritizing the model pipeline, providing development updates, and monitoring performance.
Stay at the forefront of modeling, data, and AI innovations to support scalable marketing growth in financial services.
What you’ll need:
Bachelor's degree in Computer Science, Math, Physics, Engineering, or a quantitative field required; Master's degree preferred.
8+ years of experience in machine learning, data science or applied AI, ideally in marketing, fintech, or consumer tech.
Strong proficiency in Python, SQL, and ML frameworks (scikit-learn, PyTorch, TensorFlow).
Familiarity with ML governance, model monitoring, and compliance frameworks (MRM, Fair Lending, etc.) is a plus.
Experience with LLMs, prompt engineering, and AI application development preferred.
Demonstrated experience with experimentation and hypothesis testing.
High intellectual curiosity and a quick learner of new technical skills.
Ability to initiate and drive projects independently to completion, and ability to clearly communicate technical information to diverse audiences.
Strong relationship-building and collaborative skills.
Ability to thrive in a dynamic, cross-functional environment with keen attention to detail.
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.
This role may also be eligible for a bonus and/or long term incentives. Your recruiter will provide more information to you. All roles are eligible for competitive benefits. More information about our employee benefits can be found in the link below.
Benefits
To view all of our comprehensive and competitive benefits, visit our **Benefits at SoFi & Galileo**page!
US-Based Base Compensation
$153,600—$264,000 USD
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.
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.
