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Who we are:
Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The role:
As a Senior Software Engineer (IC3) on SoFi’s Prism team, you’ll help build Prism, SoFi’s internal AI platform for knowledge work. Prism connects employees with the AI models, business context, and tools they need to solve important problems more effectively. It also creates a continuous learning loop by capturing what works—and what doesn’t—so our workflows improve over time and employees can deliver better results faster.
In this role, you will pair hands-on software development with systems thinking. You will take technical ownership over feature delivery and key service components—translating partially defined technical problems into production-grade, highly available microservices. You will collaborate closely with partner teams (such as Autonomous Coding, CI/CD, and product squads), practice operational rigor, and use AI-assisted engineering tools responsibly to raise quality and delivery velocity across our engineering community.
What you’ll do:
- Design, implement, test, deploy, and operate foundational components of Prism and contribute to the underlying components.
- Build and maintain telemetry, usage instrumentation, and reporting pipelines to provide clear visibility into Prism and the learning feedback loop.
- Lead technical feature execution for assigned platform work streams, breaking down complex tasks to parallelize implementation with teammates and aligning dependencies with product and engineering managers.
- Participate actively in technical design reviews, reasoning through architectural trade-offs (such as latency, fault tolerance, concurrency, and security) and documenting clear technical specifications.
- Contribute to team engineering quality by following and refining coding conventions, automated testing patterns, and reusable service templates.
- Drive operational excellence by automating test and deployment workflows, participating in on-call service ownership, acting as an incident resolver, and implementing post-incident remediations to prevent recurrence.
- Engage directly with internal customers to understand their day-to-day workflows, support adoption of Prism, and incorporate feedback into iterative system improvements.
- Mentor early-career engineers through thoughtful code reviews, constructive design feedback, and pair programming to foster continuous team growth.
What you’ll need:
- Education & Minimum Experience Requirements: Bachelor’s Degree + 2–3 Years of Experience OR Master’s Degree + 2 Years of programming experience in software engineering, computer science, or a related field.
- Proven programming proficiency in at least one modern backend language (such as Java, Kotlin, Python, Go, or Scala).
- Solid experience building and operating distributed backend services in a microservices or cloud environment, with an understanding of concurrency, fault tolerance, idempotence, and API design.
- Practical experience working with relational databases, persistent data stores, and data modeling concepts.
- Practical understanding of operational excellence: logging, metrics, distributed tracing, automated unit/integration testing, and safe production deployment practices (canarying, feature flags).
- Hands-on experience developing with or integrating AI-assisted developer tools, LLM APIs, prompt engineering patterns, or tool-execution frameworks.
- Collaborative approach with clear written and verbal communication skills, including the ability to write structured technical design documents and share constructive code review feedback.
AI-Assisted Engineering Expectations:
- Use AI tools responsibly to prototype solutions, navigate codebases, and accelerate implementation velocity while upholding high security and safety standards.
- Critically inspect and validate AI-generated code, backing all implementations with comprehensive automated tests to ensure long-term maintainability.
- Maintain rigorous compliance with data governance and security policies, ensuring sensitive member data and proprietary assets are never exposed to unapproved tools.
- Elevate team productivity by sharing effective harnesses, prompt templates, and operational guardrails.
Nice to have:
- Experience engineering internal developer platforms (IDP), developer tooling, or CLI workflows.
- Familiarity with container orchestration (Docker, Kubernetes) and modern CI/CD pipeline automation.
- Experience in fintech or within another highly regulated industry environment.
- Deep understanding of LLM integration, context retrieval architectures (RAG), and AI evaluation frameworks.
Skills Required
- Bachelor's degree plus 2–3 years of experience, or master's degree plus 2 years of programming experience in software engineering, computer science, or a related field
- Programming proficiency in at least one modern backend language such as Java, Kotlin, Python, Go, or Scala
- Experience building and operating distributed backend services in a microservices or cloud environment
- Understanding of concurrency, fault tolerance, idempotence, and API design
- Experience with relational databases, persistent data stores, and data modeling
- Understanding of logging, metrics, distributed tracing, automated testing, and safe production deployment practices
- Experience developing with or integrating AI-assisted developer tools, LLM APIs, prompt engineering patterns, or tool-execution frameworks
- Clear written and verbal communication skills, including technical design documentation and constructive code review feedback
- Experience engineering internal developer platforms, developer tooling, or CLI workflows
- Familiarity with Docker, Kubernetes, and modern CI/CD pipeline automation
- Experience in fintech or another highly regulated industry
- Deep understanding of LLM integration, retrieval-augmented generation, and AI evaluation frameworks
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Affordable Benefits — Health coverage is heavily subsidized, reducing monthly premium costs for many U.S. employees. Other medical plan options are also subsidized, helping keep overall insurance more affordable.
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Parental & Family Support — Family support is extensive with fully paid parental leave, fertility and adoption resources, and subsidized backup care. These offerings provide meaningful support for employees planning or growing families.
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Wellbeing & Lifestyle Benefits — Financial‑wellness and learning perks stand out, including student‑loan assistance and tuition reimbursement. Mental‑health coaching, therapy access, and fitness and wellness programs add value beyond salary.
SoFi Insights
What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions. Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise, united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete, but can come together to create something truly unconventional in the world. For the last eight years, we’ve been charting this new path forward. We call it The SoFi Way. At SoFi, we don’t just talk about culture: we live it. The SoFi Way is how we show up every day, how we make decisions, and how we build for our members, clients, and each other.
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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SoFi Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
For the majority of our workforce who work on a hybrid schedule, the in-office requirement is a handful of days per month!
