Senior Software Engineer, Underwriting

Sorry, this job was removed at 12:10 a.m. (CST) on Wednesday, Sep 17, 2025
Easy Apply
2 Locations
Hybrid
Fintech • Mobile • Software • Financial Services
SoFi’s mission is to help people reach financial independence to realize their ambitions.
The Role

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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.

**High Preference will be given to candidates located in Cottonwood Heights, UT OR Seattle, WA**
The role:

We are looking for a Senior Software Engineer to join our team who will help build a cutting-edge technology platform for the Underwriting system which is at the heart of our lending and credit card products. You will be part of a team that is empowered to make technical decisions.

On our team, you will be in the middle of it all – implementing new functionality, architecting our system, squashing bugs, maintaining the health of our code, and continually growing as an engineer. We interact heavily with pricing, data science, and risk analytics to deliver solutions which allow us to lead the market in making decisions and moving quickly. 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, continual improvement and evolution. 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: 

We’re looking for back-end or full-stack engineers who are comfortable:

  • Architecting, designing, and delivering scalable, highly-available services
  • Owning and ideating on technical solutions for new product requirements
  • Participating heavily in code and design reviews
  • Generating ideas for new initiatives and technologies
  • Becoming a domain expert within the Underwriting and Loans business
  • Collaborating and representing engineering with outside stakeholders in product marketing, business, operations, legal, and compliance
  • Working in a fast-moving, highly collaborative environment across multiple offices
  • Mentoring other members of the team and helping foster a learning environment within the team

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, microservice stack
  • Our core stack is Kotlin / Java / Spring / PostgreSQL / AWS
  • Ability to work proficiently in different languages (e.g. - Kotlin, Java, Python) and different frameworks (e.g. - Spring Boot, GraphQL, jOOQ)
  • Expertise with any REST APIs and relational databases is a great start
  • Understanding of SQL and NoSQL database principles
  • Willingness to roll up your sleeves, collaborate with others and get stuff done
  • Strong sense of accountability and ownership; driving a project from inception to completion
  • Affinity for solving problems and deep-diving into the technically-heavy topics
  • Experience working in a collaborative coding environment, refining designs together, working through code reviews and managing pull requests
  • Passionate about broadening your technical skill set, trying out new ideas, and teaching others.

Nice to have:

  • Good exposure and hands on experience with Microservices design principles and architecture
  • Experience in the financial services industry, especially interaction with underwriting, pricing and/or risk.
  • Experience with cloud native services, especially AWS services such as DynamoDB, S3, Lambda, Kinesis, and/or SQS
  • Experience with Docker, Kubernetes, Istio, Temporal, Spring Boot, Terraform, and CI/CD
  • Experience solving data-heavy problems such as designing/building a data pipeline
  • Machine learning and data analytics experience
  • Front-End experience with Javascript, React, and/or Flutter
Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location. 
 
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.The Company hires the best qualified candidate for the job, without regard to protected characteristics.Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.New York applicants: Notice of Employee RightsSoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [email protected].Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

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The Company
HQ: San Francisco, CA
4,500 Employees
Year Founded: 2011

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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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!

Typical time on-site: Flexible
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