The leader sets direction, prioritizes the roadmap, and is accountable for reliability, control, and operational outcomes across Encompass 360, Blend, NICE inContact, SoFi-developed applications, and the vendor platforms connected to them. They set the product vision, sequence the work, clear cross-functional blockers, and hold the team to outcomes: less manual work, faster fulfillment, stronger controls, and a platform that scales with Borrow volume.