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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:
We are seeking a Staff Engineer to join our new Member AI Features team. This team is critical to SoFi’s member experience and operational integrity, ensuring that members can manage their spending with transparency and ease.
In this role, you will architect and build the logic that powers spending management lifecycles—focusing on the complex workflows behind managing spending with LLM-powered workflows and automation. You will operate with a high degree of autonomy, owning meaningful backend components from design through production, while collaborating closely with cross-functional product teams to reduce friction and build trust.
What you’ll do:
- Bachelor’s Degree in Computer Science or a related field, or equivalent professional experience
- Lead the development of scalable, resilient microservices that manage subscription states, automated cancellation workflows, and real-time billing integrations.
- Participate in shaping the technical architecture of our membership platform, ensuring systems are highly available, observable, and capable of handling high-volume event processing.
- Partner with Product Managers and Designers to translate business requirements—like churn reduction strategies or regulatory compliance—into robust technical solutions.
- Lead code and design reviews, setting a high bar for backend reliability and data consistency. You’ll be responsible for ensuring that a member’s intent to cancel is processed accurately every time.
- Support the growth of the engineering team through technical guidance, mentorship of junior engineers, and fostering a culture of operational excellence.
- Own the full lifecycle of your services, from implementation and testing to deployment (CI/CD), monitoring, and on-call support.
What you’ll need:
- 8+ years of professional software development experience, with a focus on backend systems at scale.Technical Stack: Deep proficiency in Kotlin or Java and experience with the Spring Boot framework.
- Experience designing and operating distributed systems, microservices, and event-driven architectures (e.g., Kafka, SQS, or RabbitMQ).
- Solid understanding of relational databases (PostgreSQL preferred), data modeling, and performance tuning for high-traffic applications.
- Hands-on experience with cloud environments (AWS preferred) and containerization tools like Docker and Kubernetes.
- Pragmatism: A "get-it-done" mindset—balancing the need for engineering excellence with the speed required to deliver business value to our members.
- Clear, effective communication skills and the ability to explain complex technical trade-offs to non-technical stakeholders.
Nice to have:
- Experience building intuitive and accessible user interfaces with React/TypeScript
- Experience integrating Large Language Models (LLM) into products
- Experience scaling highly available, mission critical systems
- Full-stack experience across backend and frontend
- History of building digital products in the financial space
Top Skills
What the Team is Saying
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!
