Staff Product Designer, Borrow Origination

The Team

The Borrow design team at SoFi crafts seamless, intuitive experiences across our lending products, helping members borrow with confidence and realize their ambitions.

Borrowing can feel overwhelming and complex. As product designers, our role is to reduce friction, increase clarity, and build trust in high‑stakes, decision‑heavy moments. We shape the future of loan origination by delivering new features and improving current experiences that help members understand options, qualify, and get to “yes” faster.

The lending journey has two key milestones: applying for a loan and, once funded, paying on time. This role focuses on the first milestone — from product education and discovery through pre‑qualification, application, verification, and offer selection.

As a Staff Product Designer on the Borrow Origination team, you will help shape the future of personal finance by designing member‑first experiences. In this role, you will:

• Use a design‑thinking process to establish and execute vision for team initiatives.
• Challenge the status quo, push innovation, and inspire teams toward a unified outcome
• Look holistically at members' end to end user journeys and develop a strategic vision on how to educate, guide them to the right lending product for their goals.
• Use data, research, and experimentation to drive design decisions; partner on A/B tests and define success metrics (e.g., completion rate, time‑to‑yes, drop-off reduction, error rate, NPS).
• Lead end‑to‑end design for origination flows—from top‑of‑funnel education and pre‑qualification to verification, document upload, and offer selection—across web and mobile platforms.
• Reduce friction and ambiguity throughout the application process.
• Enable personalized discovery experiences that create cross-ecosystem value within SoFi.
• Translate complex requirements (risk, legal, compliance, credit policy) into simple, trustworthy interactions and clear, inclusive content.
• Collaborate closely with Product Managers, Engineers, Researchers, and Content Designers across multiple product areas to deliver seamless experiences that transform members' financial situation.
• Create systems, not just screens—define patterns for progressive disclosure, validation states, help surfaces, and decision moments; contribute to and advocate for high-quality, consistent design system adoption.
• Prototype at the right fidelity to align stakeholders and validate value early; run usability tests and synthesize insights into actionable design iterations.
• Tell a compelling story—craft artifacts that communicate rationale, trade‑offs, and impact to drive alignment and accelerate decision-making.
• Collaborate with our design system (Pacific) to leverage and improve templates and components.
• Contribute to scaling design best practices across the company and within the Design org.

• 8+ years in product design/UX with a portfolio showcasing complex, high‑stakes flows and measurable outcomes.
• Strong written and verbal communication; able to articulate strategy and process and lead cross‑functional alignment.
• Experience partnering with Product/Engineering/Data to define product strategy and experimentation plans.
• Fluency in using metrics to inform design and measure success.
• Experience facilitating design sprints or similar frameworks to align stakeholders around business and member needs.
• Expertise with modern design/prototyping tools (Figma; Adobe Creative Suite as needed).
• Strong command of mobile and web UX best practices (iOS, Android, responsive web).
• Ability to translate research, member needs, and product data into clear design decisions.
• Experience presenting to senior leadership and advocating for member needs within business and technology constraints.
• Experience setting and managing design priorities through planning and execution.
• Passion for team building and shaping a healthy design culture.

• Experience in personal finance, lending/credit, identity/KYC, or other regulated domains.
• A passion for turning complexity into usable, beautiful experiences.
• Experience working with remote, distributed teams.
• Exposure to both B2C and B2B or operator/agent tooling environments.