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抵押贷款部门重组,SoFi被传裁员7%

据知情人士透露,在线借贷与再融资创企SoFi计划在近期裁员7%。

据了解,本次裁员主要针对抵押贷款部门。SoFi此前曾表示,将在2019年大规模拓展抵押贷款服务。为此,SoFi决定对抵押贷款运作模式进行重组,从直接抵款转向代理经纪机构。

彭博社的评论文章显示,由于核心贷款业务利润下降,外加推出了新产品线,SoFi已经连续两个季度出现亏损。

今年夏天,SoFi发起了一轮总额10亿美元的循环信贷额度融资,并计划借助这笔资金维持平台运营和扩张。

今年刚刚接手SoFi首席执行官一职的Anthony Noto表示,他的目标是让公司为公开募股上市做好准备。

SoFi公司总部位于旧金山,此前主要以学生贷款再融资为主要业务。SoFi表示,公司将在今年年度再度实现盈利。

2014年,SoFi首次进军抵押贷款市场。截至目前,该公司已提供超过30亿美元的抵押贷款,其中一半来自现有成员。虽然这不是一个小数字,但与通过学生贷款再融资和个人贷款借出的数十亿美元相比,仍然显得相形见绌。

SoFi的抵押贷款业务增长速度不及其他产品的原因之一是其核心人口,也就是还身负学生贷款的千禧一代并未完全准备好要购房。

对于贷方来说,SoFi的重组正处于困难时期,因为美国利率上升,贷款人一直在努力维持他们曾经做过的回报。较高的利率意味着更少的人有动机为贷款再融资,并导致整体贷款量减少。与此同时,随着美国家庭债务达到创纪录水平,消费信贷损失的风险正在逼近。

因此,SoFi和其他贷款公司一直在努力实现其他领域的多元化,努力使自己免于进一步加息和最终的经济衰退。

Social Finance Inc., the lending and refinancing startup valued at more than $4 billion, is cutting about 7% of its staff, according to a person familiar with the matter.

The 100 job cuts are happening in the company’s mortgage department, said the person, who asked not to be identified because the matter is private. SoFi has said it plans to dramatically expand its mortgage business in 2019. As part of that effort, the company is undertaking a wholesale restructuring of how that division operates — including a shift away from lending money directly, to acting as a broker.

SoFi has lost money for two consecutive quarters, according to documents reviewed by Bloomberg, as profits of its core lending business fell and it pushed into new product lines. This summer, the company was seeking a $1-billion revolving line of credit to fund operations and expansion. Meanwhile, Chief Executive Anthony Noto, who started the job this year, has said his goal is to get the company ready for an initial public offering.

The San Francisco startup, with about 1,400 employees, does the majority of its business in student loan refinancing. But facing higher interest rates that have weighed on U.S. lenders, it has recently been broadening its focus in an effort to expand into an all-purpose online financial services company. SoFi has told investors it will be profitable again by the end of the year.

The company first got into the mortgage space in 2014. To date, it has made more than $3 billion in mortgage loans, with half of that coming from existing members, according to the company. Although that’s not a small number, it pales in comparison to the billions of dollars SoFi has lent out via student loan refinancing and personal loans.

Under its new structure for its mortgage division, the company will partner with banks to provide loans, rather than lending money directly. Borrowers will still largely deal with the fintech startup throughout the process, but its revenue will come from selling leads to banks. The strategy will also help the company reduce the risk on its books, the person said.

The bulk of the staff reductions in SoFi’s mortgage division will come from operations, according to the person. Employees were informed of the staffing changes Friday.

“These changes put us in a better position to help even more members by offering competitive rates and a smoother digital experience,” a company spokeswoman wrote in an emailed statement.

One of the reasons SoFi’s mortgage business hasn’t grown as fast as its other products is that its core demographic, millennials with student loans, often aren’t ready to buy a home.

SoFi’s restructuring comes at a difficult time for lenders, which have been struggling to generate the returns they once did as interest rates rise in the United States. Higher rates mean fewer people have an incentive to refinance their loans, and lead to lower loan volumes overall. At the same time, with U.S. household debt at a record, the risk of losses in consumer credit are looming larger.

As a result, SoFi and other lending companies have been trying to diversify into other areas as they work to insulate themselves from further rate hikes and an eventual economic downturn.

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