Senior Director, International Risk Oversight

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Who We Are

: 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 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 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 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. 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.

What You’Ll Do

: Serve as the primary IRM point of contact and escalation lead for international product, business, and expansion-related risk matters. 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. 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.

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. 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.

Requirements

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. Influence and challenge senior leaders constructively to support balanced risk-taking and sound decision-making in complex, evolving regulatory environments.