Director of Strategic Finance (SoFi Checking & Savings and Credit Card)

• We are looking for a highly motivated and experienced Finance Business Partner to join our growing Strategic Finance team
• Strategic Finance shapes SoFi’s capital allocation strategy by assessing investment opportunities, framing key trade-offs, and prioritizing resources against the company’s most important growth objectives
• As a key business partner, you will provide financial leadership and strategic insights to two of SoFi’s most critical and rapidly growing business lines: SoFi Checking & Savings and SoFi Credit Card
• SoFi is an AI-forward organization, and you will be expected to responsibly use our suite of AI tools to build and enhance financial models, accelerate analysis, automate workflows, and improve decision-making
• Own the financial strategy, multi-year plan, annual operating plan, and rolling forecasts for SoFi’s rapidly growing Checking & Savings and Credit Card businesses
• Serve as a strategic thought partner to Business Unit leaders, translating financial and operational data into insights and recommendations that shape growth strategy and business performance
• Build and analyze customer and product-level unit economics including LTV, CAC, payback periods, and risk-adjusted returns across cohorts, acquisition channels, products, and member segments
• Drive disciplined capital allocation through business cases, trade-off analyses, and post-investment performance measurement
• Partner with Product, Marketing, Risk, Operations, Treasury, Accounting, and Data teams to evaluate new products, pricing and rewards strategies, marketing programs, partnerships, and operating initiatives
• Lead scenario planning and sensitivity analyses to assess the impact of changes in interest rates, member behavior, credit performance, competitive dynamics, and other key business drivers
• Develop business cases for major initiatives and establish post-investment measurement processes to evaluate realized returns, surface learnings, and improve future capital-allocation decisions
• Synthesize complex analyses into clear, compelling recommendations and communicate business performance, risks, and opportunities to Executive Leadership
• Identify and scale high-impact AI use cases that expand Strategic Finance’s capabilities, capacity, and analytical rigor
• Lead, develop, and inspire a high-performing team while fostering strong cross-functional collaboration, accountability, inclusion, and mentorship within and outside of Finance
• What you’ll need:

Benefits

• Generous vacation and holidays
• Paid parental leave for eligible employees
• 401(k) and education on retirement planning
• Monthly contribution up to $200 to help you pay off your student loans
• Great health & well-being benefits including: telehealth parental support, subsidized gym program
• Comprehensive health, vision, dental, life insurance, and disability benefits
• Fertility and family planning options
• Flexible time off
• Free financial classes
• Tuition reimbursement on approved programs, up to $5,250 per year- Previous people management experience is a plus
• Fluency with AI tools and demonstrated ability to apply them to financial modeling, analysis, workflow automation, and decision support
• Expert financial modeling and scenario-analysis skills, including the ability to build driver-based models from scratch and analyze large data sets
• Demonstrated expertise analyzing unit economics, including LTV/CAC, payback periods, and risk-adjusted returns, across cohorts, channels, products, and segments
• Ability to synthesize complex information into clear recommendations and influence senior decision-makers
• Deep expertise in consumer financial-services economics, with a strong command of Credit Card unit economics and P&L dynamics
• Bachelor’s degree in Finance, Economics, Accounting, or a related field, or equivalent practical experience
• Creative and strategic problem-solving skills, with the ability to bring structure to ambiguous business questions
• 12+ years of experience in Strategic Finance, Corporate Finance, FP&A, investment banking, or a related field, ideally within fintech or consumer financial services
• Track record of building strong cross-functional relationships and driving decisions across Product, Marketing, Risk, Operations, and other functions
• Advanced spreadsheet and presentation skills; experience with Google Sheets and Slides is a plus