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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.
We are seeking a Senior Software Engineer to join our SoFi Credit Card team. We need someone who can play a pivotal role in our Credit Card product architecture transformation, focusing on the evolution of our products and new features. We are working hard to design a future looking framework, with the aim to scale our customer base, continue to delight existing customers, and disrupt the banking industry. 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.
As a SoFi senior software engineer, you’ll be in the middle of it all – you’ll work with stakeholders to implement functionality, architect our systems, squash bugs, and continually grow 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 - and you’ll be working with an all-star team of talented engineers.
What You’ll Do:- 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
- Communicate with project leads, product managers and other software developers
- Bachelor’s Degree in Computer Science or related field
- 4+ years programming experience, ideally on a modern stack
- Our core stack is Java/ Kotlin/ Spring / PostgreSQL/ React, and we run on Kubernetes in a service oriented architecture with over 100 services in production
- 2+ years Java, Kotlin or Scala programming experience
- A proven understanding of relational databases and ORMs
- Experience working on a SOA or microservice-based application.
- 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
- 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)
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Healthcare Strength — Comprehensive medical, dental, and vision plans are paired with mental-health coaching/therapy, EAP access, and wellness programs, with options noted for low or fully covered premiums. Company-paid life and disability insurance further strengthen core protection.
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Parental & Family Support — Up to 12 weeks fully paid parental leave is complemented by fertility/adoption resources, subsidized back-up child/elder care, caregiver leave, and pet insurance. A 2026 program also matches a new federal $1,000 seed for eligible children’s investment accounts.
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Leave & Time Off Breadth — Exempt employees have flexible/unlimited vacation alongside early-release “SoFi Fridays,” while non-exempt employees receive generous vacation and sick time. Paid volunteer time and role-appropriate leave options extend time-away coverage.
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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!
