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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.
Senior Software Engineer, Loan Servicing Platform
Are you excited by the idea of rethinking architecture, designing clean systems from the ground up, and solving meaningful real-world problems at scale? SoFi is on a mission to help people achieve financial independence, and we’re building the next-generation loan servicing platform to power that future.
As a Senior Software Engineer, you won’t just be maintaining legacy code—you’ll be a key architect and builder of a modern, scalable platform at the heart of SoFi’s lending business. This is a rare opportunity to join a team at an inflection point, where innovation, autonomy, and impact come standard.
Why This Role is Exciting
- You’ll be joining at a pivotal time as we re-architect critical systems for scale and performance, and you’ll play a major role in shaping our technical direction.
- We’re not just modernizing—we’re reimagining. Expect opportunities to explore new technologies, frameworks, and paradigms to future-proof our infrastructure.
- You’ll work cross-functionally with product, operations, design, and compliance to deliver innovative, high-impact solutions that directly serve our members.
What You’ll Do
- Design, build, and own highly available, resilient services that form the backbone of our loan servicing platform.
- Partner on long-term architecture strategy, weighing trade-offs and introducing best practices to keep us scalable, testable, and performant.
- Take features from idea to production, including defining APIs, writing business logic, deploying services, and monitoring success.
- Mentor junior engineers and be a culture-carrier for collaboration, excellence, and growth.
- Contribute to a culture of engineering rigor and continuous improvement.
What You’ll Bring
- 5+ years of hands-on backend or full-stack software development experience.
- Proficiency with modern tools and frameworks. Our core stack includes Kotlin, Java, Python, Spring Boot, PostgreSQL, and we work with REST APIs, gRPC, and orchestration tools like Temporal and Airflow.
- A passion for clean, well-tested code and experience in CI/CD, Docker, Kubernetes, and cloud-native architectures.
- Strong problem-solving skills and a love for diving deep into systems to understand what’s really going on.
- A team mindset—you enjoy mentoring others, engaging in code reviews, and celebrating wins together.
Nice to Have
- Full-stack experience or interest in learning front-end technologies.
- Experience with Kafka, distributed systems, stream processing, or data-heavy applications.
- Background in financial services or working in regulated environments.
What the Team is Saying
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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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