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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.
*This role is open to those currently residing in Salt Lake City, Utah metropolitan area
Who we are
SoFi is a digital personal finance company whose mission is to help its members achieve financial independence to realize their ambitions, whether that be to buy a house one day, start a family on their own terms or be debt free. We aim to be at the center of our members’ financial lives, and to help every member Get Their Money Right®. By joining SoFi, you’ll become part of a forward-thinking company that is transforming financial services by embracing technology to build innovative loan products, investment tools, and more. One of the fastest growing fintech companies, we’ve grown from 250 employees in 2015 to over 3,000 employees today, with over 5 million members. With offices across the US, we offer the excitement of a rapidly growing startup with the stability of a seasoned management team and some of the best talent around. As an employer, we strive to hire employees who are committed to both our company’s mission and our desire to build the best culture in the world. If you are driven, passionate about what you do, and excited about the SoFi mission, we would love to hear from you.
The Role:
We are seeking a Senior Staff Software Engineer for our Underwriting Platform team, responsible for managing risk and pricing for our lending and credit card businesses. This role is ideal for someone who thrives on writing code, solving hard engineering problems, and scaling critical platforms—while also setting technical direction and mentoring others.
This is a deeply hands-on role: while you will influence architecture and lead across teams, your impact will be driven by actively building systems, writing production code, and driving critical projects from inception to launch. You will be a top-level contributor who leads by doing.
What You’ll Do:
Hands-on Engineering
Write production-grade, scalable backend code using Kotlin, Spring Boot, and modern frameworks.
Debug and resolve complex systems issues in high-scale, real-time services.
Develop APIs, services, and platform infrastructure.
Drive hands-on delivery of critical projects.
Technical Leadership & Strategy
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.
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 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, and CI/CD.
Nice to have:
Experience in financial services or fintech.
Experience with Temporal, gRPC, Docker, and Terraform.
Exposure to data analytics or machine learning platforms.
Familiarity with front-end technologies such as React.
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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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!
