The Role

SoFi is launching a brand-new commercial banking product — and we need a Staff Software Engineer to be its technical backbone.

Commercial Banking is SoFi's entry into institutional commercial banking. We're building the infrastructure that lets large institutional clients in crypto, fintech, and enterprise finance manage their money at SoFi — real-time payments, multi-account treasury management, and a closed-loop settlement network that operates 24/7/365. The systems you design will handle real institutional money from day one. The network you help architect — SEN (SoFi Exchange Network) — could become the default settlement rail for the industry.

As the Senior Staff Engineer on the Commercial Banking team, you'll be the technical leader the team looks to for the hardest problems — system design, API contracts, payment correctness, performance, and reliability. You'll set the technical bar, make architectural decisions that stick, and write the code that proves them out. This is a hands-on role: you'll be deep in the codebase while also shaping the direction for the engineers around you.

What You'll Do

Architect and Build

• Own the technical architecture for Commercial Banking's core systems — payment orchestration, client onboarding workflows, API Gateway, real-time settlement, and the services that power the client-facing experience.
• Design and implement the SoFi Exchange Network (SEN) — a real-time, 24/7/365 closed-loop payment network enabling instant settlement between SoFi commercial clients.
• Build the client onboarding orchestrator: a stateful workflow engine that provisions entities, bank accounts, entitlements, payment rails, limits, and pricing — with retry, rollback, and idempotency guarantees.
• Design enterprise-grade identity, RBAC, and maker/checker approval systems that support complex organizational structures with scoped account access, per-rail permissions, and configurable payment limits.
• Define API contracts that institutional clients will integrate against — getting the abstractions, error models, and versioning right from day one.
• Architect a sandbox environment that realistically simulates every payment rail, enabling clients to build and test their integrations with confidence.

Set the Technical Standard

• Establish system design patterns, coding standards, and engineering best practices for the Commercial Banking codebase.
• Drive technical decisions on data modeling, service boundaries, consistency guarantees, and failure handling across payment workflows where correctness is non-negotiable.
• Own observability strategy — structured logging, distributed tracing, alerting, and dashboards that give the team confidence in production.
• Lead technical design reviews and code reviews. Raise the quality bar and make it stick through example, not just feedback.
• Identify and address technical debt proactively — knowing when to take shortcuts for speed and when to invest in the right long-term solution.

Lead Through Influence

• Be the go-to technical leader on the team — the person engineers come to when they're stuck on a design problem, a performance issue, or a tricky integration.
• Mentor engineers at all levels. Help senior engineers grow toward staff-level thinking; help mid-level engineers develop stronger system design instincts.
• Partner with engineering management to shape the technical roadmap, estimate complexity, and sequence work for maximum impact.
• Drive cross-team technical alignment with other engineering teams at SoFi — working across identity, entitlements, accounts, payments, and core banking systems to ensure clean integration points.
• Represent the team's technical perspective in discussions with Product, Compliance, Risk, and Operations — translating business requirements into sound engineering decisions.

Make It Production-Ready

• Design systems that handle real money with the reliability and correctness that institutional clients demand — every transaction must be accounted for, every failure mode handled.
• Build for scale from day one — systems that work for early clients but are architected to support hundreds without rework.
• Own the technical side of client go-live: integration health checks, performance validation, monitoring readiness, and production cutover.
• Drive incident response and post-mortems. Build a culture where production issues are learning opportunities, not blame events.

What You'll Need

• 7+ years of software engineering experience, with a sustained track record of technical leadership on complex, production-critical systems.
• Deep distributed systems expertise — you can design services end-to-end, reason about consistency and ordering guarantees, and make pragmatic tradeoffs between correctness, availability, and latency.
• Hands-on mastery of JVM-based stacks (Kotlin or Java, Spring Boot) and modern infrastructure (Kubernetes, AWS/GCP, Terraform, CI/CD pipelines).
• Strong API design sensibility — you've designed APIs that external consumers depend on, and you understand the long-term cost of getting contracts wrong.
• Experience with stateful workflow systems — you've built or operated long-running, retryable, idempotent workflows in production.
• Proven ability to lead without authority — you influence technical direction through the quality of your ideas, your code, and your ability to bring people along.
• Excellent communication skills — you can write clear technical design documents, explain complex systems to non-technical stakeholders, and make your reasoning legible to the team.
• Bachelor's or Master's degree in Computer Science, Software Engineering, or a related field (or equivalent experience).

Nice to Have

• Experience building financial systems — payments, ledger, treasury, banking, or fintech where auditability, correctness, and regulatory compliance are table stakes.
• Experience building real-time payment systems (FedWire, FedNow, RTP, ACH origination) or settlement networks.
• Background in commercial or institutional banking (treasury management, FBO/omnibus accounts, correspondent banking).
• Experience with crypto-adjacent financial infrastructure — custodian banking, exchange settlement, stablecoin operations.
• Familiarity with AML/KYB compliance workflows and transaction monitoring in a regulated banking environment.
• Experience building developer-facing products — API gateways, developer portals, sandbox environments, webhook infrastructure.
• Prior work with workflow orchestration engines (Temporal, Cadence, Step Functions) for long-running stateful processes.
• Experience with event-driven architectures — Kafka, event sourcing, or CQRS patterns in high-throughput systems.

The Role

We are looking for a Software Engineer to join our SoFi Money team. As a member of the SoFi Money team, you will help build new systems, maintain the health of our systems, and continually grow your skill set. The ideal candidate is both forward-thinking and hands-on, has a solid sense of ownership and drive for delivery, and is a strong team player. 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. 

What You’ll Do

• Build and maintain backend services that support client onboarding, account setup, and payment configuration workflows.
• Develop APIs used by internal teams and external clients, following established design standards and best practices.

• Write clean, maintainable, and well-tested code in a JVM-based stack (Kotlin/Java, Spring Boot).
• Follow established patterns for reliability, scalability, and fault tolerance.
• Participate in code reviews and incorporate feedback to improve code quality.
• Debug and troubleshoot issues in development and production environments with guidance from senior engineers.
   

What You’ll Need

• 1+ years of software engineering experience building backend systems.
• Experience with JVM-based languages (Java or Kotlin) and frameworks like Spring Boot.
• Basic understanding of distributed systems concepts (e.g., APIs, databases, service communication).
• Experience building or consuming APIs.
• Familiarity with cloud platforms (AWS/GCP) and containerized environments (e.g., Kubernetes) is a plus.
• Strong problem-solving skills and attention to detail.
• Good communication skills and willingness to learn from others.
• Bachelor’s degree in Computer Science, Software Engineering, or related field (or equivalent experience).
  
  

Nice to Have

• Exposure to financial systems, payments, or fintech products.
• Familiarity with event-driven systems or messaging platforms (e.g., Kafka).
• Experience working with workflow or orchestration tools.
• Understanding of reliability concepts like retries, idempotency, and fault tolerance.
• Interest in building scalable, high-availability systems.
  
  

The Role

We are seeking a Senior Staff Engineer to join our team. SoFi is building out a new team to develop crypto products and services for our members.  Recent developments made a path for SoFi to begin to re-enter the space and expand on our product offerings with intuitive, secure and fully featured products across crypto Investing, Transfers, Payments, Custody and beyond.  

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.

Key responsibilities

• Write production-grade, scalable backend code using Java, Kotlin, Spring Boot, and modern frameworks.
• Debug and resolve complex systems issues in high-scale, real-time services.
• Build high-quality, scalable systems with a focus on performance, security, and reliability in crypto products.
• Shape the technical architecture across SoFi’s crypto stack — wallets, custody, trading, and beyond.
• Drive new ideas and technical strategies that push our crypto offerings forward.
• Raise the bar on engineering through code quality, mentorship, and setting strong technical standards.
• Apply deep knowledge of crypto protocols, smart contracts, and blockchain infrastructure.
• Collaborate across teams to deliver reusable crypto services and integrate with SoFi’s broader platform.
• Mentor engineers and contribute to a culture of technical growth and curiosity.
• Lead discussions, reviews, and decisions across teams and with senior technical leadership.
• Make smart, pragmatic decisions that balance speed and quality.
• Stay curious — constantly learning new tools, protocols, and patterns in the evolving crypto space.
• Ask hard questions, give and take feedback well, and thrive in a collaborative, fast-moving environment.

What you'll need

• 8+ years programming experience, with significant experience in modern day languages and familiarity with AI tools.
• Expert understanding and hands-on experience building and operating large-scale fault-tolerant distributed systems, workflows, databases and mobile/web applications
• Expertise with Java / Spring / Kotlin / PostgreSQL / AWS. Expertise with any modern Java frameworks, REST APIs, and relational databases
• Deep understanding of code release, deployment orchestration / rollout mechanisms, logging, instrumentation, monitoring, and alerting in a microservices environment.
• Experience with public cloud infrastructure
• Excellent verbal and written communication skills and working with stakeholders across disciplines
• Understanding of blockchain fundamentals and distributed ledger technologies
• Familiarity with digital assets across major chains (Bitcoin, Etherium, …)
• Hands-on experience with smart contracts is a plus
• Familiarity with custody, settlement, and clearing of crypto transactions
• Experience with security and best practices for wallet management
• Exposure to crypto trading platforms, market data, and DeFi protocols
• Experience integrating with or building services using crypto infrastructure providers (e.g., Fireblocks, Zero Hash, Anchorage)
• Awareness of Web3 trends, including NFTs, DAOs, and Layer 2 solutions
• Prior work in or collaboration with crypto-native companies or fintechs
• Enthusiasm for the evolving digital asset ecosystem and its potential impact on financial services

The Role:

SoFi is launching a brand-new commercial banking product — and we need a Senior Engineering Manager to build and lead it.

Commercial Banking is SoFi's entry into institutional commercial banking. We're building the infrastructure that lets large institutional clients in crypto, fintech, and enterprise finance manage their money at SoFi — real-time payments, multi-account treasury management, and a closed-loop settlement network that operates 24/7/365. The product you build will handle real institutional money from day one. The network you help create — SEN (SoFi Exchange Network) — could become the default settlement rail for the industry.

This is a rare chance to build a new business line for a publicly traded bank, backed by SoFi's banking charter, existing payment infrastructure, and a company that moves fast. You'll shape the technical foundation, hire the team, and ship the product.

What You'll Do:

Build It

• Lead the architecture and delivery of SoFi's commercial banking product — API Gateway, payment orchestration, client onboarding, and the services that power the client-facing experience.
• Own the end-to-end client onboarding orchestrator: a stateful workflow engine that provisions entities, bank accounts, entitlements, payment rails, limits, and pricing — across sandbox and production environments.
• Drive the design and implementation of the SoFi Exchange Network (SEN) — a real-time, 24/7/365 closed-loop payment network enabling instant settlement between SoFi commercial clients.
• Build enterprise-grade identity, RBAC, and maker/checker approval systems that support complex organizational structures (CFOs, treasury managers, analysts, auditors — each with scoped account access, per-rail permissions, and configurable payment limits).
• Deliver a production-quality sandbox environment that allows institutional clients to integrate and test against realistic simulations of every payment rail.

Lead the Team

• Recruit, mentor, and grow a high-performing engineering team.
• Set technical direction and engineering standards — code quality, system design, observability, incident response.
• Drive execution with well-defined sprints, clear deliverables, and tight feedback loops.
• Create a culture of ownership where engineers think beyond their pull requests — understanding the business impact of every payment that flows through the system.

Drive Cross-Functional Delivery

• Partner directly with Product, Design, Compliance (AML/KYB), Risk, Treasury, and Bank Operations to deliver a product that meets both client needs and regulatory requirements.
• Coordinate across engineering teams at SoFi to integrate Commercial Banking into SoFi's broader banking infrastructure — identity, entitlements, accounts, payments, and core banking systems.
• Influence and shape the end-to-end client experience, working closely with partners across the product and design organizations.
• Own the technical relationship with early clients during onboarding, sandbox integration, and production go-live. You'll be in the room when the first wire clears.
• Define and execute the go-live readiness process: functional validation, security review, ops runbook, monitoring, and formal sign-off across Engineering, Operations, and the client.

Scale It

• Design systems that scale from early clients at launch to hundreds — with the onboarding orchestrator, payment processing, and operational tooling to support that growth.
• Establish the operational workflows that SoFi Ops will use to manage Commercial Banking clients at scale (account views, payment rail dashboards, error resolution, compliance and regulatory workflows).
• Build the billing and revenue infrastructure, including monthly reporting and reconciliation.

What You'll Need:

• 10+ years of software engineering experience, with at least 4 years in engineering management leading teams of software engineers.
• Strong distributed systems skills — you can design services, define API contracts, and reason about consistency, idempotency, and failure modes in complex workflows.
• Strong technical expertise — you can evaluate architecture proposals, engage in design reviews, and hold the team to a high engineering bar. Familiarity with JVM-based stacks (Kotlin or Java, Spring Boot) and modern infrastructure (Kubernetes, AWS/GCP, CI/CD) is a plus.
• Track record of zero-to-one product delivery — you've shipped a new product from concept to production with real users.
• Experience with enterprise identity and access management — RBAC, OAuth2, multi-tenant authorization, and approval workflows.
• Strong cross-functional leadership — you can drive alignment across Product, Design, Compliance, Risk, and Operations without needing a VP to clear the path.
• Excellent communication skills — you'll present to executives, write technical design documents, and explain system tradeoffs to non-technical stakeholders.

Nice to Have:

• Experience building financial systems — payments, ledger, treasury, banking, or fintech where correctness, auditability, and reliability are non-negotiable.
• Experience building real-time payment systems (FedWire, FedNow, RTP, ACH origination) or settlement networks.
• Background in commercial or institutional banking (treasury management, FBO/omnibus accounts, correspondent banking).
• Experience with crypto-adjacent financial infrastructure — custodian banking, exchange settlement, stablecoin operations.
• Familiarity with AML/KYB compliance workflows, sanctions screening (OFAC), and transaction monitoring in a regulated banking environment.
• Experience building developer-facing products — API gateways, developer portals, sandbox environments, webhook infrastructure.

Prior work with workflow orchestration engines (Temporal, Cadence, Step Functions) for long-running stateful processes.

The Role

Join us in revolutionizing the financial landscape. SoFi is seeking enthusiastic Senior Software Engineers who are ready to lead the development of key advancement to the next generation of our financial services platform.

Data Trust org leads the path for building platform services, and governance initiatives — from integrating diverse data sources into governance tools to evolving the foundational architecture that supports SoFi’s long-term growth

Data Trust’s charter includes

• Development and management of the Unified Data Catalog and Discovery Tools
• Ownership and other metadata associated with the Catalog
• Lineage and retention policies
• Data Quality Strategy and Standardization (Tiered Ownership, SLOs)
• Enforce regulatory compliance and privacy across data
• Data Governance enforcement and tooling (Data Contracts, RBAC mechanisms).
• Building self-service tools for Data Owners and Data Engineers.

What You’ll Do

As an emerging leader within our team, you will focus on building out the backend services for our next-generation metadata architecture. This role involves full product lifecycle engagement, from initial concept to deployment.

Key responsibilities for this role include:

• Implementing new capabilities, ensuring code quality, and delivering highly-available, scalable services.
• Success requires close technical collaboration with Product, Marketing, Operations, Business, Legal, and Compliance teams. You will be responsible for translating business requirements from these stakeholders into effective technical solutions that provide outstanding value to our members.
• Leading the technical evolution of one or more key platform subsystems.
• Expertly leverage existing solution patterns and understand when to differentiate resulting in well-structured, maintainable code.
• Ability to understand data models, APIs, scaling concerns, and failure modes in order to make effective trade-offs between maintainability and performance.
• Creating stability by writing meaningful tests, considering observability, and leveraging your ability to debug complex issues across multiple system layers.
• The ability to create clear design and operational documentation.
• Contributes to code reviews, is a role model for more junior engineers, and contributes to team efficiency, beyond personal output.

What You’ll Need

• Bachelor's or Master's degree in Computer Science, or Software Engineering
• 3+ years as a professional, full-time Software Engineer, or similar relevant work experience.
• Proficient coding in Java, Kotlin, Python or other similar object-oriented programming language.
• Proficient working with GIT and related CI/CD systems.
• Experience with public cloud compute, storage, and infrastructure.
• Experience with any data warehousing solution like Snowflake and IAC tools to provision platform infrastructure.
• Experience with Kafka, Docker, Kubernetes, and Spring Boot or similar frameworks.
• Deep understanding of relational and document database fundamentals.
• Deep understanding of fundamental distributed systems concepts.

Nice To Have

• Full-Stack experience in both back-end (Kafka, Redis, Docker) and front-end (JavaScript, TypeScript, React).
• Experience with microservices design principles and architecture.
• Experience with workflow orchestration technology (AWS step function, Airflow, Temporal).
• Experience working with Data Platforms

We're driven to push boundaries and deliver exceptional products to help our members achieve financial stability. If you have the passion and a commitment to customer success, we want to hear from you.

The Role

We are seeking a Senior Frontend Mobile Engineer to join our team. SoFi Invest is SoFi’s new investment platform that includes our market-leading robo-advisor, and online brokerage (stock, ETF, and mutual funds trading) products.

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 are redefining how members grow their wealth through algorithmic trading and AI. You will build the interfaces that millions of our members use to build and invest in automated trading strategies — bringing "quant-grade" tools to the everyday investor. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent. And that starts with you.

Key Responsibilities

• Produce well-designed, scalable, and reusable code on schedule
• Independently design and build large features, breaking work into subtasks where necessary
• Maintain a high bar in code and design reviews, following modern mobile development practices
• Drive communication across the development team and with other stakeholders
• Collaborate across functions and teams to reduce ambiguity and keep projects on track
• Track project performance against defined milestones/goals
• Mentor junior engineers throughout the organization
• Create and improve technical documentation

Requirements

• Bachelor’s degree (ideally in a technical field), but we understand great engineers come from a variety of backgrounds; we will also consider relevant work experience
• 5+ years mobile programming experience (Flutter strongly preferred)
• Familiarity with Agile-based project development in a microservices environment
• Experience with designing and consuming backend APIs for mobile applications
• Test-driven development skills
• Passion for solving complex problems
• 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
• Able to design and build modern and highly-responsive customer-facing components
• Nice to have: experience working in Fintech and/or financial services sector

The Role

We are looking for an experienced Senior Software Engineer to join our Engineering Enablement (Builder Tools) engineering team with a mission to enable SoFi engineers to innovate in fintech and elegantly solve problems. In this role, you will be a key contributor to the design, development and scalability of our developer productivity tooling. You will elevate developer experience by enabling engineers with foundational systems. You will take on complex and interesting problems in a fast-paced, and highly collaborative organization. The ideal candidate will be a deeply technical and curious engineer who is comfortable owning solutions from initial design to implementation and ongoing operational excellence, with a strong sense of ownership and passion for quality. 
 

What You’ll Do:

• Technical leadership - Provide leadership for the technical design, delivery and operational excellence of code, build, CI/CD platforms, and related developer tooling.

• Innovate - Collaborate with cross-functional teams to drive innovation in developer tooling, and advancements including AI assisted developer productivity flows.

• Expertise  - Become a subject matter expert for one or more developer tooling domains,  including operational excellence aspects. 

• Mentor - Collaborate with engineers in the team, provide mentorship, and share domain  expertise to enhance the overall technical capabilities of the team.

• Continuous Improvement - Contribute to creating a culture of continuous learning, data-driven decisions and improvements. Proactively identify and manage risks.

• Collaborate – Build strong working relationships with coworkers and cross-organizational teams.

• Influence - Implement and influence the adoption of developer tooling and best practices.

What You’ll Need:

• Experience - Bachelor's or Master's degree in Computer Science, Software Engineering, or a related technical field.

• 5+ years software development experience.

• Experience developing in a cloud environment (AWS), using containers (e.g., Docker, Kubernetes), cloud-native technologies and service meshes (e.g., Istio, Envoy). 

• Expertise -  Expertise in one more of the following domains: build systems for JVM ecosystem (e.g., Gradle, Bazel), AI assisted developer tools (e.g., CoPilot, Amazon Q),  and CI/CD systems (e.g., ArgoCD, Gitlab Runners, BuildKite).

• Coding Skills - Proven coding skills (e.g., Java, Kotlin, Python) delivering large scale systems with infrastructure automation (e.g., Terraform).

• Problem solving -  Strong problem solving and programming fundamentals (algorithms, data structures).

• Design - Strong understanding of software design principles, and distributed systems architecture.

• Project Ownership - Ability to independently plan, manage and own deliverables, from scoping through launch. Experience working with Agile development processes.

• AI Tools: Experience with AI Tools (Cursor, Claude Code, MCPs etc.)

• Strong Interpersonal  skills - Excellent written and verbal communication skills. Demonstrated ability to collaborate well with a team, and proven skills to operate effectively in cross-functional teams. 

Nice to have:

• Experience with monitoring, tracing and logging systems (e.g. Datadog, Elastic, Splunk).

• Experience with security, compliance, and risk management in cloud and fintech environments.

The Role

This is a hands-on EM role for the Digital Identity — Access & Rights team. The team builds and operates the Entitlements and Authorization platforms, two Tier-0 services every SoFi product depends on. Combined these two platforms are the single sources of truth for what benefits does a member have and what are they allowed to do. The right candidate pairs deep operational rigor with a genuine investment in coaching engineers, ships with modern AI tooling as a default, and moves fast with a just-do-it attitude.

You will inherit a strong, senior team of engineers already delivering against a dense roadmap that directly enables SoFi’s top tech initiatives such as Big Business Banking, SoFi Plus, Small Medium Business as well as other offerings. 

The Team You Will Join

The Digital Identity group owns customer identity, relationships, access control, and benefits distribution across all of SoFi. The Access & Rights team specifically owns two platforms that sit on the critical path for every member interaction: Entitlements (the generic connection graph mapping each entity to its accounts, benefits, and other resources) and Authorization (evaluating fine-grained permissions for every authenticated request). Our consumers include all of SoFi and we are a direct enabler to increased product velocity. 

You will partner closely with a product manager, and stakeholders across Crypto, Money, Member, Benefits, and Galileo engineering.

What You'll Do

• Lead and Grow Your Team: Lead and grow the team while maintaining or improving the team’s velocity. Manage performance with care and high standards, including the hard conversations. 
• Drive Technical Strategy & Execution: Own the planning, technical output, and delivery for the Digital Identity - Access & Rights team. Own operational excellence for two Tier-0 platforms. Set and defend SLOs, while holding the on-call posture accountable, and treat production quality as a management responsibility, not an IC concern. Review design documents, push back on senior engineers when the architecture does not hold up, pair with your team in AI-augmented coding sessions, and ship production code when the situation demands it.
• Collaborate and Influence: Establish and leverage strong relationships across the department and cross-functional leadership teams, partnering closely with product and other engineering teams to integrate solutions and define product and technical strategy.. 
• Problem Solve and Innovate: Operate with a high degree of independence to solve ambiguous and complex technical problems. Drive initiatives from inception to completion, contributing to the long-term architectural vision and continuous improvement of the identity platform.
• Be a prolific writer: Write well, and use AI to write faster. You will personally own incident reviews, roadmap updates, as well as  promotion cases to shape the executive narrative for the platform. 

Requirements

• 8+ years of experience designing, building, and operating scalable, mission-critical backend systems, with 2+ years directly managing engineers.
• Proven track record running a high traffic Tier-0 or equivalent critical platform: defined SLOs, owned on-call, led major incident reviews, and drove measurable reliability improvements.
• Deep experience with platform-style engineering: API contracts, versioning, backward compatibility, consumer migration, and deprecation discipline. You have managed a platform team with many downstream consumers, not just a feature team.
• Active, daily user of modern AI coding tools (Claude Code, Cursor, Copilot, or equivalent). Concrete examples of how you have used AI to accelerate your own output or your team's throughput. 
• Demonstrated ability to drive outcomes across team boundaries without escalation authority. You have led multi-quarter initiatives that required alignment across three or more engineering orgs.
• Hands-on technical depth in Java or Kotlin, with practical knowledge of REST APIs, event-driven systems, and relational or key-value data stores. Comfortable in design reviews and code reviews. Willing to write production code when the team needs a tiebreaker.
• Excellent written communication. You have written TDDs, post-mortems, and roadmap updates that senior leaders trusted without needing translation.
• Bias for action: absorbs ambiguity and resolves it, escalates it upward when the situation warrants.

Nice to Haves

• Experience building agentic workflows, internal AI tooling, or LLM-powered developer productivity systems.
• Experience with OpenFGA, Zanzibar-style authorization, or graph platforms at scale.
• Experience in regulated environments, ideally fintech, with exposure to SOX, PCI, or similar controls.
• Familiarity with AWS, Kubernetes, Kafka, DynamoDB, and Temporal.
• Prior work on multi-person or delegated access patterns (consumer & business banking, family accounts, custodial, trust relationships).

What We Offer

• A platform charter that directly enables every SoFi product and every SoFi member.
• A senior, seasoned team that already ships and wants a manager who will help them go faster with the right guardrails.
• Room to focus on team, execution, and AI-powered throughput
• Strong institutional support for AI tooling: Claude Code, Cursor, Copilot, internal AI platforms, and a mandate to move beyond using AI for pure work augmentation.
• Competitive compensation, equity, and benefits.

If running high-stakes platform teams is the work you want, reach out.

The Role

Join us in revolutionizing the lending landscape. SoFi is seeking enthusiastic Staff Software Engineers who are ready to lead the design and implementation of key capabilities of the next generation of our financial services platform in support of our goals that put our members in control of their financial destiny.  Key qualifications of this role include:

• Leading design and implementation efforts across multiple system domains to affect cross-team outcomes.
• Resolving problems in the platform design and implementation where there are competing constraints and significant ambiguity.
• Recognition as a subject matter expert across platform systems with the ability to contribute to the resolution of systemic issues.
• Ability to define the architectural direction and evolutionary strategy for critical subsystems within the platform.
• Ability to drive alignment across teams resolving technical and organizational conflicts.
• Raises the engineering maturity of the organization by consistently upholding the org-wide quality, reliability, and security policies.
• Ability to align technology decisions with company strategy, accounting for risk and growth constraints.
• Maintains standards of excellence through code and design reviews, mentors more junior engineers, and contributes to team efficiency, beyond personal output.
• Is a key participant in recruiting processes.

What You’ll Do

As an established technical leader within our team, you will focus on designing and implementing the backend services for our next-generation Lending Platform. This role involves full product lifecycle engagement, from initial concept to production deployment. Your responsibilities include creating durable designs, strong individual contributions in implementing new capabilities, and leading by example to improve engineering excellence and efficiency across the team. Success in the role will require close technical collaboration with Product, Marketing, Operations, Business, Legal, and Compliance teams. You will be a key stakeholder in those partnerships, responsible for driving alignment and delivering technical solutions that provide outstanding value to our members.

What You’ll Need

• Bachelor's or Master's degree in Computer Science, or Software Engineering
• 5+ years as a professional, full-time Software Engineer, or similar relevant work experience.
• 2+ years in a technical leadership role.
• Proficient coding in Java, Kotlin, or other similar object-oriented programming language.
• Experience with public cloud compute, storage, and infrastructure.
• Experience with Kafka, Docker, Kubernetes, and Spring Boot or similar frameworks.
• Deep understanding of relational and document database fundamentals.
• Deep understanding of fundamental distributed systems concepts.
• Deep understanding of microservices design principles and architecture.
• Experience with performance tuning and optimizing data access patterns.
• Proficient working with GIT and related CI/CD systems.
• Familiarity with Agile methodologies.
• Ability to produce clear and meaningful design and operational documentation artifacts.

Nice To Have

• Experience scaling highly-available, mission-critical systems.
• Experience with AWS technologies – DynamoDB, RDS, Lambda, Kinesis, SQS, S3, and Athena.
• Full-stack engineering experience, or willingness to expand your influence across our entire platform.

We're driven to push boundaries and deliver exceptional products to help our members achieve financial stability. If you have the passion and a commitment to customer success, we want to hear from you.

The role

We are seeking a Senior Engineering Manager to join the SoFi Money team. You’ll work in a highly collaborative environment, engaging closely with cross-functional Product, Design, and Engineering teams. You’ll also be involved in the entire product lifecycle—from ideation through deployment, with continuous improvement at every stage.

In this role, you will play a key role in shaping the future of our banking products and services. We are focused on evolving our Investment system and providing an exceptional end-to-end user experience. This position involves building and maturing member-facing investment services to support new and existing products. Specifically, you will be continuing to cultivate a strong front-end culture to help deliver a top-of-the-line investing experience for our members, all while enabling our teams to grow, learn, and reach their own aspirations.

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:

• Lead the development and testing of our systems and services
• Participate in shaping the technical architecture of the mobile platforms
• Deliver reusable web SDKs, libraries and frameworks to scale our mobile application and drive consistency
• Design and maintain systems that improve developer experience across CI/CD, testing, and deployment pipelines.
• Define standards and best practices for performance, accessibility, and design system adoption.
• Partner with cross-functional teams to drive adoption and alignment of core platform capabilities.
• Tackle complex technical and organizational challenges that span teams and products.
• Mentor 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, in a technical field
• 5+ years programming experience, ideally on a modern mobile stack
• Experience working on or leading a mobile team at a large company
• 4+ years management experience
• Maintain code quality, performance, and sound architectural principles
• Experience working in a collaborative coding environment, refining designs together, working through code reviews and managing pull requests
• 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

Nice to have:

• Flutter app experience
• Good understanding of SOLID principles
• Experience working on large, consumer-facing mobile applications
• Mobile testing frameworks
• Accessibility WCAG 2.0 for mobile
• Mobile Performance

The Role:

We are seeking an Engineering Manager to join the SoFi Money team. You’ll work in a highly collaborative environment, engaging closely with cross-functional Product, Design, and Engineering teams. You’ll also be involved in the entire product lifecycle—from ideation through deployment, with continuous improvement at every stage.

In this role, you will play a key role in shaping the future of our banking products and services. We are focused on evolving our Investment system and providing an exceptional end-to-end user experience. This position involves building and maturing member-facing investment services to support new and existing products. Specifically, you will be continuing to cultivate a strong front-end culture to help deliver a top-of-the-line investing experience for our members, all while enabling our teams to grow, learn, and reach their own aspirations.

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:

• Lead the development and testing of our systems and services
• Participate in shaping the technical architecture of the web platforms
• Deliver reusable web SDKs, libraries and frameworks to scale web applications and drive consistency
• Design and maintain systems that improve developer experience across CI/CD, testing, and deployment pipelines.
• Define standards and best practices for performance, accessibility, and design system adoption.
• Partner with cross-functional teams to drive adoption and alignment of core platform capabilities.
• Tackle complex technical and organizational challenges that span teams and products.
• Mentor 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, in a technical field
• 5+ years programming experience, ideally on a modern web stack
• Experience working on or leading a web platform team at a large company
• 1+ years management experience
• Maintain code quality, performance, and sound architectural principles
• Experience working in a collaborative coding environment, refining designs together, working through code reviews and managing pull requests
• 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

Nice to Have:

• React JS / GraphQL experience
• Good understanding of SOLID principles
• Microfrontends and federated web app architecture
• Web monorepo experience
• Frontend web testing frameworks
• Web Accessibility WCAG 2.0
• Web Performance

The Role

We are seeking a Senior Staff Engineer to join our team.  SoFi Invest is SoFi’s investment platform that includes our market-leading robo-advisor, and online brokerage (stock, ETF, and mutual funds trading) products.

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.

Key responsibilities

• Help shape the technical architecture & design of the Sofi Invest core systems
• Lead best practices for development, testing and releasing the SoFi Invest component while contributing to the shared components across SoFi 
• Mentor other engineers, support the technical culture, and help grow the team
• Generate ideas for new initiatives and technologies
• Shape the architecture of foundational systems including but not limited to market data, ledger, search  
• Proven experience designing and building highly scalable distributed systems.
• Strong knowledge of CI/CD pipelines, resource optimization, and network protocols.
• Excellent cross-functional communication and leadership skills.

Requirements

• Bachelor’s or Master’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
• 10+ years related experience or demonstrated equivalent
• Expertise in modern back-end frameworks (Spring boot preferred), build tooling, and testing frameworks
• Experience in scaling and designing highly available, mission critical systems
• 8+ years programming experience, ideally on a modern stack
• Our core stack is React / Java / Play / Spring / PostgreSQL, but you don't have to be an expert in any of these. 6+ years Java, Kotlin or Scala 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 hard problems and shipping impactful features
• Experience working in a collaborative coding environment (and git specifically), refining designs together, working through code reviews and managing pull requests
• Bonus
• Worked with trading and/or exchange systems
• Experience building ledger and transactional systems
• Experience with workflow platforms such as Temporal.io or AWS Step Functions
• Trading APIs (either crypto or securities) and FIX protocol

The Role:

We are seeking a highly skilled and experienced Senior Software Engineer to join our Kubernetes and Istio team to create high-quality solutions that simplify complex tasks and enhance developer productivity. You will have the opportunity to directly impact the direction and architecture of our cloud infrastructure, focusing on using Kubernetes and Istio on AWS. If you are a seasoned Software Engineer with a passion for building robust infrastructure solutions and a strong background in cloud technologies, we invite you to apply for this exciting opportunity.
 

What You’ll Do:

• Design, develop, and maintain software that enables developers to efficiently interact with our cloud infrastructure and services.

• Work closely with cross-functional teams to understand requirements and design solutions that are intuitive, efficient, scalable, and reliable.

• Provide technical leadership for the Cloud Platform team to design and implement strategies for optimizing cloud costs, resource utilization, and overall performance.

• Lead the development of software solutions to enable engineers to seamlessly use networking, compute, and storage services within AWS and Kubernetes environments.

• Identify opportunities for automation and process improvement to enhance developer productivity.

• Collaborate with cloud and software engineers to integrate solutions seamlessly into cloud environments.

• Conduct code reviews and provide constructive feedback to other team members.

• Stay up-to-date with the latest trends and technologies in cloud infrastructure and software engineering.
   

What You’ll Need:

• Bachelor's or Master's degree in Computer Science, Software Engineering, or a related technical field.

• 3+ years of software development experience.

• Expertise in cloud platforms including AWS and cloud-native technologies.

• Strong programming fundamentals (ex: Java/Kotlin, Python, Go).

• Strong understanding of software design principles and best practices.

• Experience with container orchestration (e.g., Docker, Kubernetes - especially EKS), networking, and service meshes (especially Istio).

• Experience with infrastructure as code (IaC) tools and practices (e.g. Terraform).

• Familiarity with CI/CD pipelines and tools (e.g., Jenkins, GitLab CI/CD).

• Excellent problem-solving skills and ability to think strategically about cloud infrastructure and platform design.

• Experience with generative AI coding agents such as Claude and Cursor. 
   

Preferred Qualifications:

• Experience with cloud storage solutions, compute resources management, and networking in AWS.

• Experience with monitoring and logging tools (e.g. Datadog).

• Experience with service discovery and load balancing solutions.

• Experience with security and compliance in cloud environments.

The role

We are seeking a Frontend Engineer with a specialty in frontend web implementations to play a pivotal role in our Money product architecture transformation, focusing on the evolution of our banking core and the implementation of enhanced account structures, including readiness for new products like CDs. This position involves maturing our central member-facing services, particularly in areas such as entitlements, permissions, and data management, which are critical to supporting integrated product offerings like SoFi Plus. You’ll be working within a highly collaborative environment where planning and executing through a unified campaign lens is essential due to the complexity and interdependencies of these initiatives.

At SoFi, we pride ourselves on the collaboration between Product, Design, and Engineering, and you will be involved in the entire product lifecycle, from ideation through building, deploying, and continual improvement and evolution - and you’ll be working with an all-star team of talented engineers.

What you’ll do:

• Work on React-based web applications with a cross-functional team.

• Develop testable and accessible web applications.

• Work with designers to identify and solve potential implementation issues.

• Generate, enhance, and promote ideas for useful new projects and technologies.

• Deliver and operate highly available and scalable services in a production environment.

• Communicate with project leads, product managers, and other software developers on multiple projects.

What you’ll need:

• Bachelor’s degree, ideally in a technical field, but we understand great engineers come from a variety of different backgrounds and we also consider relevant work experience.

• 2+ years of experience with modern JavaScript libraries, tooling, and frameworks.

• Strong knowledge of front-end technologies.

• Familiarity with responsive design/development and mobile-web best practices.

• Solid understanding of software design and architecture.

• Experience in unit, functional, and end-to-end testing.

• Experience with Node.js is a plus.

• Willingness to roll up your sleeves, collaborate with others, and get stuff done.

• Solid 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, refining designs together, working through code reviews, and managing pull requests.

Nice to have:

• Interest in personal finance.

• Experience managing your own investments or experience taking out loans.

• Experience scaling highly available, mission-critical systems.

• Full-stack experience, either toward systems (Kafka, Docker, POSIX), databases (Postgres), or front-end (JavaScript/TypeScript, React).

The Role

You will be the technical leader for Digital Identity at SoFi: the platform group that powers identity, authorization, and entitlements for every product and every member across the company. Digital Identity runs Tier-0 infrastructure: the highest criticality rating at SoFi. Every product line, banking, lending, investing, credit cards, crypto depends on these platforms to know who a member is, what they're entitled to, and what they're authorized to do. When these platforms are down, SoFi is down.You'll define the technical strategy for this group. You'll architect solutions for complex, ambiguous problems: multi-person access patterns, cross-organizational platform convergence, and data integrity at financial-services scale.

You'll build the engineering processes and culture that let a lean team operate Tier-0 infrastructure with confidence. And you'll push the boundaries of how we build, leveraging AI to accelerate development, prototype faster, and experiment with approaches that would have been impractical two years ago.

What You'll Own

Platform Technical Strategy: Digital Identity operates multiple Tier-0 platforms spanning identity resolution, entitlement management, and fine-grained authorization. You own the technical strategy across all of them: setting the architectural direction, executing and leading designs, and ensuring the platforms evolve as a coherent system rather than independent services.

Complex Authorization Architecture: SoFi is expanding into scenarios where multiple people interact with shared financial resources: across business, family, and custodial contexts. You'll design the unified platform architecture that handles these patterns at scale: consistent access models, compliance-grade audit trails, and enforcement of regulatory requirements. This is one platform problem with many product surfaces.

Cross-Organization Platform Convergence: SoFi operates and integrates with multiple technology organizations with overlapping identity and authorization infrastructure. You'll lead the architectural vision for convergence: a shared platform primitives that multiple organizations consume while preserving the flexibility each product line needs. This requires navigating competing priorities, different technical stacks, and organizational boundaries.

Operational Excellence & Data Integrity: Tier-0 financial platforms demand more than uptime. You'll architect the verification and reconciliation systems that prove these platforms are correct:  automated integrity checks, drift detection, and self-healing mechanisms. You'll establish the operational processes, incident response standards, and reliability practices that let the team ship with confidence and sleep at night.

Engineering Culture & Team Uplift: You'll raise the bar for how this team builds software. That means establishing rigorous design review processes, defining engineering standards that compound over time, mentoring senior ICs into technical leaders, and creating the feedback loops that turn incidents into prevention. You're not just the best engineer on the team: you're the reason the whole team gets better.

Strategic Investment Identification: You won't just execute on the roadmap handed to you. You'll identify the next set of high-leverage technical investments: where the platforms should go, what capabilities are missing, which emerging patterns (in authorization, in AI, in infrastructure) should be adopted before the business asks for them.

What We're Looking For

Required Qualifications 

• Distributed systems architecture at scale. You've designed and shipped platforms that other engineering teams depend on:  not just consumed services, but built them. You understand the failure modes of event-driven systems, eventual consistency, and cross-service data integrity. You've made hard tradeoffs between consistency, availability, and latency in production.
• Technical leadership with accountability built in. You don't just design systems: you design systems that prove they're correct. Reconciliation mechanisms, audit trails, integrity guarantees, automated verification. You've built infrastructure where "trust but verify" is architecture, not process.
• AI fluency and innovation. You actively use AI to build, prototype, and experiment. You've integrated AI-assisted development into your workflow and can articulate where it accelerates engineering and where it introduces risk. You push teams to adopt AI-native approaches to development not as a novelty, but as a competitive advantage in velocity and experimentation.
• Group-level influence and execution. You've driven technical strategy across multiple teams. You've navigated ambiguity where business goals were clear but the right technical problems to solve were not. You've represented your organization's technical direction to peer groups and senior / executive leadership.
• Engineering culture builder. You've established processes, standards, and practices that made entire teams more effective and not just shipped features yourself. You care about design review rigor, operational readiness, on-call excellence, and mentoring senior engineers into technical leaders.
• Ownership of outcomes, not just systems. You measure your work by what it enabled such as products shipped, risks eliminated, teams unblocked and not by the complexity of what you built.

Preferred Qualifications 

• Experience building identity & authorization platforms especially in multi-tenant or consumer-facing contexts. Familiarity with relationship-based access control models, fine-grained authorization systems, or identity federation infrastructure.
• Experience in financial services or regulated industries where compliance, audit trails, and data integrity are architectural requirements, not afterthoughts.
• Track record of platform convergence: merging or unifying infrastructure across acquisitions, subsidiaries, or organizations with different technical stacks.

What This Isn't

This is not a role for someone who wants to write code in a corner. You'll spend significant time on architecture, cross-team alignment, design reviews, and mentorship. You will write code and drive credibility with your depth but the highest-leverage output is the technical direction you set, the engineering culture you build, and the engineers you develop.

Why This Role?

• Scope. Digital Identity is horizontal infrastructure. Every product at SoFi depends on your platforms. A design decision you make affects millions of members.
• Hard problems. Multi-person financial authorization, cross-org platform convergence, data integrity at Tier-0 scale. These aren't optimizations: they're greenfield architecture for a company-wide platform.
• Visibility. Tier-0 means executives know when you ship and when you don't. Impact is not abstract here.
• Build + Lead. Deep distributed systems work and Group-level technical leadership. You’ll build both muscles, every week. You'll architect systems and build the team's engineering culture in equal measure.
• AI-forward engineering. We're not waiting for the industry to figure out how AI changes platform engineering. You'll help define that for Digital Identity, using AI to move faster, experiment more, and build systems that would have been impractical with traditional approaches alone.

About SoFi

SoFi is a member-first personal finance platform serving millions of members. We offer banking, lending, investing, insurance, and more – all in one app. Our engineering culture values ownership, accountability, and building platforms that scale across product lines rather than bespoke solutions per vertical.

Digital Identity is one of the most critical engineering groups at SoFi. We're a lean, senior team solving company-wide problems at the intersection of security, scale, and member experience.

The Role

At SoFi, we’re on a mission to help our members get their money right. We are seeking a high-agency Senior Product Manager to own the fraud product strategy for all money movement rails at SoFi.

You will be the core of the fraud organization, directly owning the real-time systems and detection logic that monitor and authorize all money movement at SoFi. Your mission is to stop bad actors from moving a single dollar out of the ecosystem while ensuring our good members can pay their bills and send money to friends without a hitch. Sitting at the intersection of Data Science, Engineering, and Payments, you will build high-precision detection logic that scales. You will own the risk profile for every inflow and outflow, building out defenses against the unique challenges of physical check fraud, ACH, Wires, Card, and irreversible real-time payments.

What You’ll Do

• Own the Transactional Roadmap: Define and execute the product strategy for transaction authorization and monitoring, both in-app and out-of-app.
• Harden the "Hot Path": Enable the rules and ML models that decide in milliseconds whether a transaction is safe, suspicious, or fraudulent.
• Drive Smarter Limits: Move beyond blunt "one-size-fits-all" limits. You will build and iterate on designing a secure solution in a limitless world, velocity policies, and transaction-time policy checks that adapt based on member risk and behavior.
• Design Pre-Authorization Gates: Own the logic for assessing member eligibility to attempt a transaction and strategically issuing step-up challenges before the transaction leaves our systems.
• Optimize Efficacy: You’ll tune our detection systems to maximize loss prevention while minimizing False Positives.
• Full-Rail Coverage: Own the fraud product strategy to secure all transactional money movement rails including ACH, Wires, Debit Card, Credit Card, Checks, P2P, International Remittances and Crypto.
• Cross-Functional Collaboration: Partner closely with the Fraud Products Lead to ensure your transactional logic fits into the holistic member risk profile, with the Account Security team who hands you a "Secured Session", and with the Fraud Data team for the features your rules rely on.
• Metrics & Impact: Manage and optimize key success metrics, including keeping Gross/Net Fraud Loss (BPS) below target, maintaining sub-second detection latency for real-time rails, and ensuring a low False Positive Rate (FPR) so we aren't blocking good members unnecessarily.

What You’ll Need

• 4+ years of Product Management experience: With a focus on fraud, risk, payments, or FinTech.
• Deep Domain Expertise in Fraud: You possess a strong understanding of common fraud attack vectors and the strategic product solutions required to mitigate them.
• Payments Expertise: You understand the nuances of different payment rails (ACH, Wires, Card) and how fraudsters exploit the "settlement gap" in each.
• A Data-First Decision Maker: You are comfortable diving into SQL or data visualization tools to understand why a specific rule fired and how to tighten the net without catching good users. You can synthesize inputs and data from multiple sources to build a strategic rationale that advocates for long-term customer value.
• Systems Thinker: You don't just want to write a rule; you want to build a repeatable framework for how we authorize money movement across the entire enterprise.
• Exceptional Communication: You can distill complex concepts into easily understood product strategy and requirements, tailoring your message to engineering, data science, and business stakeholders.
• Strong Ownership: A proactive bias for ownership, capable of taking initiative on product outcomes, finding scrappy ways around roadblocks, and driving multiple key results.

Nice to Have

• Experience tuning specific detection systems (like Oscilar, Datavisor, Flowable, or internal decision engines).
• Direct experience with the unique risk challenges of physical Check fraud and irreversible real-time payments.
• Experience working closely with Data Science and Machine Learning Engineers to operationalize real-time scoring and transaction monitoring models.

The Role

We are seeking an experienced engineering leader with a proven track record of building customer-facing AI agents to help us create the next-generation financial guidance experience for 10M+ SoFi members.

This role is central to SoFi’s mission of becoming the most trusted guide in helping members Get Their Money Right. As a Principal Engineer, you will define the architecture and technical strategy for our financial guidance agent and lead its implementation across multiple workstreams.

You will work cross-functionally with engineering, product, data science, design, and business teams to build a scalable AI Agent that delivers personalized, trustworthy, and actionable financial guidance at scale.

What You’ll Do

• Define the technical strategy and architecture for AI Agent for Member, and lead cross-team system design and execution.
• Define the evaluation strategy and lead the implementation of systems and processes to measure, monitor, and improve AI agent quality and reliability.
• Drive quality, reliability, observability, safety and compliance of the AI Agent in a regulated environment.
• Partner closely with product, data science, design, and business leaders to translate product vision into scalable systems
• Mentor senior engineers and technical leads, and elevate engineering excellence across the org

What You’ll Need

• 10+ years of software engineering experience, including 2+ years experience building AI Agents or platforms for millions of users.
• Strong experience in building production AI Agents, including orchestration, evals, retrieval/grounding, and guardrails.
• Strong expertise in system architecture, platform design, and cross-org technical strategy
• Proven ability to lead ambiguous, high-impact initiatives across multiple teams
• A highly hands-on technical leader who leads by example and is willing to roll up your sleeves to design, prototype, and ship critical features in production.
• Excellent communication, stakeholder management, and mentoring skills
• Bachelor’s degree in Computer Science or related field, or equivalent practical experience

The Role

At SoFi, we’re on a mission to help our members get their money right. We are seeking a Principal Product Manager to lead the strategy and roadmap for our Fraud, Risk & ML Platform. This platform is the unified foundation for event-driven decisioning, risk-based interdictions, real-time feature stores, and self-serve ML capabilities across the enterprise.

You will shape SoFi’s risk and ML future, transforming complex backend processes into a seamless, self-serve platform that powers real-time decisioning for every SoFi product. Your goal is to accelerate organizational adoption of machine learning and expedite business growth by simplifying the integration of complex risk defenses that protect our members and the business.

What You’ll Do

• Strategic Roadmap: Own the multi-year vision for the Fraud, Risk & ML Platform, focusing on self-serve onboarding, reliability at scale, and superior developer experience.
• The "Model Factory": Direct the MLOps lifecycle to reduce model time-to-market from months to weeks. You will enable teams to build, deploy, and monitor ML models at enterprise scale.
• Platform Integration: Partner with internal product teams to identify friction in platform adoption and build features that eliminate integration pain points.
• Stakeholder Alignment: Drive onboarding for Fraud, AML, and Policy Engine use cases by aligning with Fraud, Risk, Data Science, and Infrastructure stakeholders on usage patterns, signals, features, and treatments, and guide execution teams to successfully deliver on those goals.
• Platform-as-a-Service: Drive Developer Experience (DX) as a core product feature; define clean APIs, versioning, SLAs, and documentation to reduce critical-path dependencies.
• Governance & Scalability: Establish a federated extension model for custom events, features, challenges, & actions to enable safe extensibility and cross-product reuse.
• Metrics & Impact: Define and track success metrics, including time-to-onboard, model deployment velocity, decision quality (e.g. precision/recall/F1), step‑up completion/abandon rates, and platform reliability.
• Flex into adjacent fraud initiatives, helping cover the gray space between domain detection/prevention improvements and platform onboarding/utilization.
• Evangelism: Educate partner teams on platform capabilities to ensure SoFi is fully leveraging centralized infrastructure rather than building bespoke silos.

What You’ll Need

• 7+ years of Product Management experience: with a focus on platform, infrastructure, or developer-facing products
• Technical fluency: Deep familiarity with APIs, event-driven systems (sync/async), high-throughput data pipelines, ML lifecycle (training, features, deployment, monitoring), risk decisioning engines/workflows
• ML Infrastructure: Proven experience operationalizing models in production using tools like Snowflake, Flink/streaming, Kafka, or AWS/SageMaker
• Platform mindset:  A strong bias for normalization and generic, self-serve capabilities over bespoke builds.
• Exceptional Communication & Evangelism: ability to translate complex risk policy, business goals, and technical constraints into precise platform requirements, while rallying teams around a clear, forward-looking platform roadmap and strategy.
• Adaptive leadership: team‑first, able to navigate the gray space between domain‑specific fraud detection and horizontal platform utilization
• Direct experience with fraud and risk detection and prevention challenges and techniques. 

Nice to Have

• Experience with risk decisioning, rules engines, risk mitigations and step-up challenges. 
• Experience in FinTech or highly regulated financial environments.
• Background in building or scaling Generative AI for task‑automating agents (agentic workflows)
• Direct experience partnering with Data Science and MLEs to productionalize real-time scoring.

We are seeking a Senior Software Engineer to join our team. SoFi is building out a new team to develop crypto products and services for our members.  Recent developments made a path for SoFi to begin to re-enter the space and expand on our product offerings with intuitive, secure and fully featured products across crypto Investing, Transfers, Payments, Custody and beyond.  

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:

• Lead the development and testing of system components/services, code and design reviews
• Participate in shaping the technical architecture of the product
• Help translate user stories into technical solutions
• Deliver highly available and scalable services in a production environment
• 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
• 5+ years programming experience, ideally on a modern stack
• Our core stack is Kotlin / Spring / Elixir / PostgreSQL, but you don't have to be an expert in any of these. 4+ years programming experience in similar technologies 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, writing tests, working through code reviews and managing pull requests

Nice to Haves:

• Understanding of blockchain fundamentals and distributed ledger technologies
• Hands-on experience working with digital assets (e.g., Bitcoin, Ethereum, stablecoins)
• Familiarity with custody, settlement, and clearing of crypto transactions
• Knowledge of crypto-specific regulatory environments (e.g., SEC, CFTC, MiCA, etc.)
• Exposure to crypto trading platforms, market data, and DeFi protocols
• Experience integrating with or building services using crypto infrastructure providers (e.g., Fireblocks, Bitgo, Zero Hash, Anchorage)
• Awareness of Web3 trends, including NFTs, DAOs, and Layer 2 solutions
• Prior work in or collaboration with crypto-native companies or fintechs
• Comfort with cryptographic concepts such as wallets, keys, and signatures
• Enthusiasm for the evolving digital asset ecosystem and its potential impact on financial services

The Role

Join us in revolutionizing the lending landscape. SoFi is seeking enthusiastic Principal Software Engineers who are ready to lead the technical and strategic evolution of our financial services platform in support of our goals that put our members in control of their financial destiny. Key qualifications of this role include:

• Leading the development and execution of strategic org-wide or company-wide initiatives across multiple product or platform domains.

• Identifying and resolving systemic business, technical, or organizational problems that span multiple organizations across the company.

• Recognition as a subject matter across multiple product or platform domains with the ability to identify and lead the resolution of systemic issues.

• Ability to define the long-term architectural direction across all areas of the platform or across multiple products, aligning stakeholder teams around a shared vision and business goals.

• Ability to drive alignment across divisions to resolve technical and organizational conflicts in order to deliver on SoFi’s business and strategic goals.

• Raises the engineering maturity of the organization by identifying and leading key improvements in the organization's culture and processes that support engineering excellence

• Ability to identify and lead key improvements in systems supporting engineer productivity and velocity.

• Ability to collaborate with partners to create and align technology and company strategy, resulting in plans that address the short and long-term goals of the business.

• Mentors engineers across the organization, is a key contributor in recruiting processes, and helps shape hiring standards.

What You’ll Do

As a widely recognized technical leader across SoFi groups, you will partner across technology and business teams to define and execute the technical vision and strategy for the platform.  Your responsibilities include defining and building consensus around evolutionary roadmaps across the platform, strong individual contributions in coordinating and implementing those plans in stages that deliver distinct customer value, and leading improvements to the engineering efficiency and culture of engineering excellence across the team.  Success in the role will require building and maintaining effective partnerships with Product, Marketing, Operations, Business, Legal, and Compliance teams.  You will be a key leader in those partnerships, responsible for driving alignment and delivering technical solutions that provide outstanding value to our members.

What You’ll Need

• Bachelor's or Master's degree in Computer Science, or Software Engineering

• 10+ years as a professional, full-time Software Engineer, or similar relevant work experience.

• 7+ years in a technical leadership role.

• Proven track record of defining and leading cross-team initiatives in support of key business and strategic goals.

• Proven track record of leading initiatives to increase engineering productivity and improve engineering excellence.

• Exemplary communication and documentation skills.

• Proficient coding in Java, Kotlin, or other similar object-oriented programming language.

• Experience with public cloud compute, storage, and infrastructure.

• Experience with Kafka, Docker, Kubernetes, and Spring Boot or similar frameworks.

• Deep understanding of relational and document database fundamentals.

• Deep understanding of microservices design principles and architecture.

• Deep understanding of scaling highly-available, mission-critical systems.

• Expert proficiency working with GIT and related CI/CD systems.

• Experience leading and improving Agile methodologies.

Nice To Have

• Experience with AWS technologies – DynamoDB, RDS, Lambda, Kinesis, SQS, S3, and Athena.

• Full-stack engineering experience, or willingness to expand your influence across our entire platform.

We're driven to push boundaries and deliver exceptional products to help our members achieve financial stability. If you have the passion and a commitment to customer success, we want to hear from you.

The Role

Join us in revolutionizing the lending landscape. SoFi is seeking enthusiastic Principal Software Engineers who are ready to lead the technical and strategic evolution of our financial services platform in support of our goals that put our members in control of their financial destiny. Key qualifications of this role include:

• Leading the development and execution of strategic org-wide or company-wide initiatives across multiple product or platform domains.

• Identifying and resolving systemic business, technical, or organizational problems that span multiple organizations across the company.

• Recognition as a subject matter across multiple product or platform domains with the ability to identify and lead the resolution of systemic issues.

• Ability to define the long-term architectural direction across all areas of the platform or across multiple products, aligning stakeholder teams around a shared vision and business goals.

• Ability to drive alignment across divisions to resolve technical and organizational conflicts in order to deliver on SoFi’s business and strategic goals.

• Raises the engineering maturity of the organization by identifying and leading key improvements in the organization's culture and processes that support engineering excellence

• Ability to identify and lead key improvements in systems supporting engineer productivity and velocity.

• Ability to collaborate with partners to create and align technology and company strategy, resulting in plans that address the short and long-term goals of the business.

• Mentors engineers across the organization, is a key contributor in recruiting processes, and helps shape hiring standards.

What You’ll Do

As a widely recognized technical leader across SoFi groups, you will partner across technology and business teams to define and execute the technical vision and strategy for the platform.  Your responsibilities include defining and building consensus around evolutionary roadmaps across the platform, strong individual contributions in coordinating and implementing those plans in stages that deliver distinct customer value, and leading improvements to the engineering efficiency and culture of engineering excellence across the team.  Success in the role will require building and maintaining effective partnerships with Product, Marketing, Operations, Business, Legal, and Compliance teams.  You will be a key leader in those partnerships, responsible for driving alignment and delivering technical solutions that provide outstanding value to our members.

What You’ll Need

• Bachelor's or Master's degree in Computer Science, or Software Engineering

• 10+ years as a professional, full-time Software Engineer, or similar relevant work experience.

• 7+ years in a technical leadership role.

• Proven track record of defining and leading cross-team initiatives in support of key business and strategic goals.

• Proven track record of leading initiatives to increase engineering productivity and improve engineering excellence

• Exemplary communication and documentation skills.

• Proficient coding in Java, Kotlin, or other similar object-oriented programming language.

• Experience with public cloud compute, storage, and infrastructure.

• Experience with Kafka, Docker, Kubernetes, and Spring Boot or similar frameworks.

• Deep understanding of relational and document database fundamentals.

• Deep understanding of microservices design principles and architecture.

• Deep understanding of scaling highly-available, mission-critical systems.

• Expert proficiency working with GIT and related CI/CD systems.

• Experience leading and improving Agile methodologies.

Nice To Have

• Experience with AWS technologies – DynamoDB, RDS, Lambda, Kinesis, SQS, S3, and Athena.

• Full-stack engineering experience, or willingness to expand your influence across our entire platform.

We're driven to push boundaries and deliver exceptional products to help our members achieve financial stability. If you have the passion and a commitment to customer success, we want to hear from you.

The team

The SoFi product design team is dedicated to developing user-friendly and intuitive experiences. This role is specifically leading the PALS team, which is a strategic business unit that manages the company's Protect (insurance), At Work (employer benefits), Lantern (marketplace), and Small Business (SMB) verticals. This team is focused on driving significant growth and profitability across these diverse offerings. They're responsible for the full lifecycle of these businesses, from setting strategy and managing P&L to leading execution, a wide variety of external partnerships, and member experience. The team's primary goal is to scale these businesses into the next major growth engines for SoFi.

The role

As the Design Director for the PALS team, you will be a pivotal leader, overseeing the entire design lifecycle for four distinct and innovative product lines: Protect, At Work, Lantern, and Small Business (SMB). You will be responsible for driving innovation, design execution, ensuring seamless feature delivery, and upholding operational excellence across all PALS offerings. Additionally, you’ll be responsible for connecting these products with the broader SoFi ecosystem to create a seamless and cohesive member experience.

We are specifically looking for a leader with prior experience designing for incubator teams or accelerator programs. You should be comfortable navigating the complexity of financial markets, regulatory considerations, and the unique behaviors of 0-1 teams to create new business lines that are both sophisticated and accessible..

As a senior leader in Research & Design, you’ll play a key role in mentoring and growing design talent, establishing best practices, and contributing to a strong creative culture at SoFi. You’ll also work closely with design leadership across the company to ensure consistency and excellence across all of SoFi’s financial products.

SoFi’s ambitious plans for our PALS team will only be realized with the addition of great talent—starting with you.

What you’ll do

• Define the design strategy and vision for new products and lines of business
• Collaborate with key partners including Product, Engineering, Business, Marketing & Ops
• Strategize on roadmaps and priorities with key cross-functional leaders
• Ensure strong design practices from concept to launch, resulting in high quality, polished launches.
• Model strong communication skills and ability to influence a diverse group of stakeholders
• Leverage data and research investigations to build strong points of view on product direction
• Collaborate directly with the Research & Design Leaders to ensure a coherent single SoFi experience, beyond your primary product & feature areas 
• Spearhead critical efforts in process, craft and execution 
• Mentor, inspire, and grow members of the larger Research & Design team

What you’ll need

• 12+ years of experience successfully shipping products and features from start to finish
• 5+ years leading teams of designers
• Entrepreneurial mindset and passion for building new businesses
• Expert stakeholder communication, effectively communicate design strategies, rationale, and outcomes to senior leadership and key stakeholders
• Able to deeply understand business goals and outcomes by leveraging the use of data analytics, user testing, and research to inform and validate design decisions and focus on constant improvement
• Expert in best practices in UX, design, and information architecture across responsive Web, iOS & Android
• Experience with current design tools (Figma, Adobe Creative Suite, etc.)
• Experience working in an Agile development environment using tools like Jira and Confluence
• A portfolio URL or PDF to submit with the application with examples of mobile and responsive web product design

The Role:

We are looking for an eager Senior Staff Software Engineer excited to dive in and help build and support the cutting edge technology systems of the Lending Finance Platform team, which support our Capital Markets and Accounting business functions. SoFi is trying to push the boundaries of lending and provide next-level products for our members and investors, and we are seeking anyone with big ideas and a drive to help achieve our goals.

We value forward-thinking engineers who are hands-on, take ownership, and drive delivery. You’ll be surrounded by a talented team where mentorship, knowledge-sharing, and collaboration are central to our culture. We’re seeking someone who is not only an expert in full-stack development but also understands how to leverage data for impactful reporting and aggregation across the platform.

As a senior staff software engineer, you will be part of a team that is empowered to make technical decisions that have direct impact on the success of the business. You will be in the middle of it all – working with partner teams in Lending Engineering and Data Science, implementing new functionality, architecting our system, squashing bugs, maintaining the health of our code, delivering scalable and highly-available services, 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, testing, deploying, monitoring, supporting, and continual improvements and evolution of mission-critical systems. You’ll face and solve a wide range of challenges: technical, product, and operational, shaping your personal growth and career along the way, as well as using your areas of expertise to grow the capabilities of the rest of the team.

What You’ll Do:

Hands-on Engineering/ Technical Leadership & Strategy

• Write production-grade, scalable backend code using Java, Kotlin, Spring Boot, and modern frameworks.
• Debug and resolve complex systems issues in high-scale, real-time services.
• Develop APIs, services, and platform infrastructure that support loan servicing, payment schedules, and operational workflows.
• Drive hands-on delivery of critical projects like schedule generation, batching frameworks, and testing infrastructure.
• Architect platform-level services and improve systems for resilience, observability, and extensibility.
• Make high-leverage engineering decisions that balance speed, quality, and maintainability.

Raise the bar on engineering quality through hands-on contributions, design reviews, and technical mentorship.

Team Collaboration & Mentorship

• Partner with product, design, operations, and other engineering teams to build solutions that deliver business value and customer impact.
• Contribute to cross-functional platform efforts (e.g., onboarding, credit bureau reporting, collections APIs).
• Drive alignment on technical strategy and execution, with strong written and verbal communication.

What You’ll Need:

• Bachelor's or Master's degree in Computer Science, Software Engineering, or a related field.
• 8+ years experience as a software engineer, designing and implementing complex software solutions.
• Experience with React / Java / Spring / Kotlin / PostgreSQL / AWS. Expertise with any modern Java frameworks, REST APIs, and relational databases
• Deep understanding of software architecture, design patterns, and best practices for building scalable and robust applications.
• Proven experience in leading and mentoring engineering teams, promoting technical excellence and collaboration.
• Excellent communication and interpersonal skills, with the ability to effectively communicate technical concepts to diverse audiences.
• Experience with Kafka, Docker, Kubernetes, Spring Boot, cloud infrastructure, Terraform and CI/CD

Nice to have:

• Experience in financial services or fintech (loan servicing, payments, interest calculations, credit reporting, etc.)
• Experience with Temporal, Kubernetes, Docker, Terraform, and CI/CD tooling.
• Exposure to data analytics or machine learning platforms.
• Familiarity with front-end technologies such as React, Scala, or Flutter.

The role

We are looking for a Staff Backend Software Engineer to join the Protect team who will help build our next generation Insurance platform. You will have the opportunity to set technical direction for a growing and critical business function within SoFi where the overall architecture is still relatively greenfield and the business impact is high. This is a great opportunity to help shape the evolution of the team and the platform capabilities for years to come.

We are looking for a talented and experienced Senior Backend Software Engineer to join our team in building a state-of-the-art insurance platform. The successful candidate will have a strong background in designing, developing, and maintaining robust back-end systems. As a Senior Backend Software Engineer, you will play a crucial role in ensuring the scalability, performance, and security of our platform.

Key responsibilities

• Lead the development and testing of our systems and services
• Participate in shaping the technical architecture of the product
• Help translate product requirements into user stories and technical solutions
• Deliver highly available and scalable services in a production environment
• Mentor other engineers, support the technical culture, and help grow the team
• Generate ideas for new initiatives and technologies
•  Drive operational excellence in our business processes to deliver higher service quality
• Communicate with project leads, product managers and other software developers

Requirements

• Bachelor’s Degree in Computer Science or related field
• 8+ years programming experience, ideally on a modern stack.
• Our core stack is Java/ Kotlin/ Spring / AWS/ PostgreSQL, and we run on Kubernetes in a service oriented architecture.
• 4+ years Java, Kotlin or other OO programming experience 
• A solid understanding of relational databases and ORMs
• Experience working on microservice-based applications.
• Experience working with GIT and CI/CD systems.
• Effective communication skills
• Willingness to roll up your sleeves, collaborate with others and get stuff done
• Solid sense of responsibility; driving a project from inception to completion
• Experience working in a collaborative coding environment, refining designs together, working through code reviews and managing pull requests
• View Unit and Integration test as 1st class citizen in software development
• Desire to grow, learn and collaborate with team of engineers.

Nice To Have

• Experience scaling highly available, mission critical systems
• Full-stack experience, either toward systems (kafka, temporal, docker), databases (DynamoDB), or front-end (javascript/typescript, react)
• Insurance Industry Experience: Familiarity with the insurance industry and its specific regulatory requirements.
• Experience incorporating LLMs into user flows