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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 Software Engineer, AI to join the Member Growth organization with the mission of bringing the value of AI to SoFi Members. This role will be pivotal in supporting our members’ financial journeys through advanced personalization and AI-driven solutions, and lead the development of internal frameworks, tools, and applications that bring cutting-edge capabilities to our marketing, communications, and measurement systems.
Our goal is to help members navigate their path to financial independence by providing the specific tools, resources, and guidance they need to succeed. We aim to be a trusted partner in their financial lives, delivering timely, tailored insights that build long-term confidence. Achieving this requires a thoughtful, highly personalized approach to every user’s unique financial needs.
The ideal candidate possesses a deep understanding of Artificial Intelligence (AI) and Machine Learning (ML) systems, paired with a passion for building next-generation products. At SoFi, we pride ourselves on the seamless collaboration between Product, Design, and Engineering; as such, you will be involved in the entire product lifecycle—from initial ideation to deployment and iterative evolution. We are committed to a philosophy of continuous learning, and we expect you to be equally dedicated to your own professional growth and the mentorship of your fellow team members.
What you’ll do
Drive technical architecture, design decisions and cross-functional discussions for AI and ML-based solutions
Deliver highly available and scalable services in a production environment
Lead the design, development and testing of systems
Lead code and system design reviews
Help translate product requirements into user stories and technical solutions
Mentor other engineers, support the technical culture, and help grow the team
Generate ideas for new initiatives and technologies
Communicate with product managers, data scientists, data engineers, and other software developers
Consistently demonstrate extremely high levels of technical knowledge, ingenuity, and creativity
Develop and apply advanced technologies, engineering principles, theories, and concepts
Take initiative and produce timely results in a fast-paced and sometimes ambiguous environment
What you’ll need
Bachelor’s Degree in Computer Science or related field, or equivalent experience
8+ years programming experience on a modern stack with expertise in Python
Experience working with new technologies in the AI stack, such as building Agents, creating MCP servers, fine tuning models, prompt engineering, and performance evaluation
Experience working with applications that leverage Large Language Models (LLMs), such as integrating LLMs, designing prompts, or exploring their practical applications
Our core stack is Java/ Kotlin/ Spring/ AWS/ Snowflake, and we run on Kubernetes in a cloud-native service oriented architecture. You should be comfortable developing using some or all of these technologies
You should have worked on a SOA or microservice-based application
Strong sense of ownership; driving a project from inception to completion
Pragmatic approach towards handling tech debt versus shipping new features
Experience working in a collaborative coding environment, refining designs together, working through code reviews and managing pull requests
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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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!
