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.

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

We are seeking a Staff Software Engineer to join our team in building next-generation applications that empower our front-line and back-office agents to better support our members. With rapid advancements in AI, we are integrating automation and intelligent assistance into agent-facing tools—improving workflows, reducing friction, and elevating the member experience.

As a Staff Software Engineer, you will play a critical role in designing, developing, and deploying these next-generation applications. You’ll work across the stack with a strong emphasis on back-end development. You will design and deliver reliable, scalable, and high-performance back-end services and APIs, while occasionally contributing to front-end integrations. You’ll collaborate closely with Product, Design, and Engineering partners to bring ideas from concept through production, ensuring solutions are secure, maintainable, and impactful. You’ll also mentor junior engineers and help grow a culture of technical excellence.

On our team, you will be in the middle of it all – implementing functionality, architecting our system, squashing bugs, maintaining the health of our code, and continually growing as an engineer. The ideal candidate is both forward-thinking and hands-on, has a strong sense of ownership and drive for delivery, and is a good mentor and co-worker. At SoFi, we pride ourselves on the collaboration between Product, Design and Engineering and so you will be involved in the entire product lifecycle, from ideation through building, deploying and continual improvement and evolution.

At SoFi, you’ll become part of a new kind of finance company whose ambition is to help our members achieve financial independence and reach their goals. We aim to be at the center of our members’ financial lives, and to help every member get their money right. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. Next we expanded our products and services across loans, wealth management, and insurance. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent. And that starts with you.

What You'll Do:

Build and maintain modern applications with Java/Kotlin, Spring, relational DBs, Kafka, React, JavaScript/TypeScript, and reusable component libraries.
Participate in architecture discussions, code reviews, and system design to drive high-quality solutions.
Deliver highly available and scalable services in a production environment
Apply operational excellence best practices: monitoring, alerting, troubleshooting, and ensuring system reliability.
Experiment with AI-driven features (e.g., context-aware responses, intelligent data retrieval).
Mentor other engineers, support the technical culture, and help grow the team
Generate ideas for new initiatives and technologies
Communicate with project leads, product managers and other software developers

What You'll Need:

Bachelor’s Degree, ideally in a technical field, but we understand great engineers come from all sorts of different backgrounds and also consider relevant work experience
8+ years programming experience, ideally on a modern stack
Our core stack is React / Java / Kotlin / Spring / PostgreSQL / AWS bedrock, but you don't have to be an expert in any of these. 6+ years Java or Kotlin programming experience and an understanding of relational databases and ORMs suffices
Willingness to roll up your sleeves, collaborate with others and get stuff done
Strong sense of responsibility; driving a project from inception to completion
Affinity for solving problems and shipping impactful features, not polishing perfect code or architecture
Experience working in a collaborative coding environment (and git specifically), refining designs together, working through code reviews and managing pull requests
Mentor junior developers
Understanding of operational excellence and its importance. Has experience in various monitoring tools such as DataDog.
Expert programming skills with solid fundamentals.
Understanding of AI terminology is a plus

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.

The Company hires the best qualified candidate for the job, without regard to protected characteristics.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

New York applicants: Notice of Employee Rights

SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

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The Company hires the best qualified candidate for the job, without regard to protected characteristics.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

New York applicants: Notice of Employee Rights

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

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