sofi

Employee Applicant Privacy Notice 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 At SoFi, we’re on a mission to help our members get their money right. We are seeking a Principal Product Manager to lead the strategy and roadmap for our Fraud, Risk &amp; ML Platform. This platform is the unified foundation for event-driven decisioning, risk-based interdictions, real-time feature stores, and self-serve ML capabilities across the enterprise. You will shape SoFi’s risk and ML future, transforming complex backend processes into a seamless, self-serve platform that powers real-time decisioning for every SoFi product. Your goal is to accelerate organizational adoption of machine learning and expedite business growth by simplifying the integration of complex risk defenses that protect our members and the business. What You’ll Do Strategic Roadmap: Own the multi-year vision for the Fraud, Risk &amp; ML Platform, focusing on self-serve onboarding, reliability at scale, and superior developer experience. The "Model Factory": Direct the MLOps lifecycle to reduce model time-to-market from months to weeks. You will enable teams to build, deploy, and monitor ML models at enterprise scale. Platform Integration: Partner with internal product teams to identify friction in platform adoption and build features that eliminate integration pain points. Stakeholder Alignment: Drive onboarding for Fraud, AML, and Policy Engine use cases by aligning with Fraud, Risk, Data Science, and Infrastructure stakeholders on usage patterns, signals, features, and treatments, and guide execution teams to successfully deliver on those goals. Platform-as-a-Service: Drive Developer Experience (DX) as a core product feature; define clean APIs, versioning, SLAs, and documentation to reduce critical-path dependencies. Governance &amp; Scalability: Establish a federated extension model for custom events, features, challenges, &amp; actions to enable safe extensibility and cross-product reuse. Metrics &amp; Impact: Define and track success metrics, including time-to-onboard, model deployment velocity, decision quality (e.g. precision/recall/F1), step‑up completion/abandon rates, and platform reliability. Flex into adjacent fraud initiatives, helping cover the gray space between domain detection/prevention improvements and platform onboarding/utilization. Evangelism: Educate partner teams on platform capabilities to ensure SoFi is fully leveraging centralized infrastructure rather than building bespoke silos. What You’ll Need 7+ years of Product Management experience: with a focus on platform, infrastructure, or developer-facing products Technical fluency: Deep familiarity with APIs, event-driven systems (sync/async), high-throughput data pipelines, ML lifecycle (training, features, deployment, monitoring), risk decisioning engines/workflows ML Infrastructure: Proven experience operationalizing models in production using tools like Snowflake, Flink/streaming, Kafka, or AWS/SageMaker Platform mindset:&nbsp; A strong bias for normalization and generic, self-serve capabilities over bespoke builds. Exceptional Communication &amp; Evangelism: ability to translate complex risk policy, business goals, and technical constraints into precise platform requirements, while rallying teams around a clear, forward-looking platform roadmap and strategy. Adaptive leadership: team‑first, able to navigate the gray space between domain‑specific fraud detection and horizontal platform utilization Direct experience with fraud and risk detection and prevention challenges and techniques.&nbsp; Nice to Have Experience with risk decisioning, rules engines, risk mitigations and step-up challenges.&nbsp; Experience in FinTech or highly regulated financial environments. Background in building or scaling Generative AI for task‑automating agents (agentic workflows) Direct experience partnering with Data Science and MLEs to productionalize real-time scoring. 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.&nbsp; &nbsp; To view all of our comprehensive&nbsp;and competitive&nbsp;benefits, visit our&nbsp;Benefits at SoFi&nbsp;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 Rights SoFi 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 accommodations@sofi.com. 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.

Principal Product Manager - Fraud, Risk & ML Platform

Employee Applicant Privacy Notice 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. *Preference will be given to those already in the San Francisco Bay Area, we are not allowing for relocation* The Role Join us in revolutionizing the lending landscape. SoFi is seeking enthusiastic Software Engineers who are ready to learn and contribute to the development of the next generation of our financial services platform.&nbsp;&nbsp; Key qualifications of this role include: Taking ownership of delivering key improvements to platform subsystems. Solid fundamentals in languages, common libraries and frameworks. Implement improvements to systems leveraging well established patterns. Writing clear and maintainable code as well as creating relevant test collateral. &nbsp; What You’ll Do As a valuable contributor to our team, you will focus on building out the features, capabilities, and member experiences for our market-leading loan products. This role involves full product lifecycle engagement, from initial concept to deployment. Key responsibilities include implementing new features, ensuring code quality, and contributing to the delivery of highly-available, scalable services. Success requires close coordination with Product, Marketing, Operations, Business, Legal, and Compliance teams.&nbsp; &nbsp; What You’ll Need Bachelor's or Master's degree in Computer Science, or Software Engineering Have no more than 24 months of professional full-time relevant work experience, including internships or research assistant roles. Strong sense of ownership and willingness to learn unfamiliar systems. Affinity for solving complex problems and the drive to dive deep into the technical details. Proficiency in Java, Kotlin, or another modern object-oriented language. Ability to follow established patterns and contribute to well‑defined features. Ability to write clear, maintainable code and basic unit tests. Understanding of relational and document database principles. &nbsp; Nice To Have Experience with GIT, Build Automation, and CI/CD Processes. Understanding of fundamental distributed systems concepts. &nbsp; We're driven to push boundaries and deliver exceptional products to help our members achieve financial stability. If you have the passion and a commitment to customer success, we want to hear from youCompensation 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.&nbsp; &nbsp; To view all of our comprehensive&nbsp;and competitive&nbsp;benefits, visit our&nbsp;Benefits at SoFi&nbsp;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 Rights SoFi 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 accommodations@sofi.com. 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.

Software Engineer, Loans Originations

Employee Applicant Privacy Notice 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. About the role We are looking for a Staff Fullstack Software Engineer to play a key role in the design and implementation of our Cyberdigital white-labeled platform.As a Staff Software Engineer, you’ll be in the middle of it all, acting as a leader and force multiplier – you’ll work with stakeholders to implement functionality, architect our systems, squash bugs, and continually grow as an engineer. 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.&nbsp; You will be responsible for collaborating with engineering leaders on the architecture direction and making sure you are supporting the team in adopting standards&nbsp; and ensuring that user-facing platforms are robust, maintainable and secure. You will work closely with product management, UX, backend architects, and delivery teams to translate business and user needs into elegant technical solutions. What you’ll do Full development life-cycle design from project requirement to deployment. Work on automation and improvement of data exchanges and data pipelines between internal and external teams. Facilitate the definition of project scope, deliverables, and goals. Lead cross-functional delivery teams to ensure deliverables are met. Track project performance against defined milestones/goals. Conduct process improvement projects to increase performance in vital program metrics. Communicate ongoing project health with key stakeholders and business leadership. Maintain strict compliance with established project management policies and guidelines. Take initiative and produce timely results in a fast-paced and sometimes ambiguous environment. Make significant contributions to the code base. Define best practices and uphold coding standards. Consistently demonstrate extremely high levels of technical knowledge, ingenuity, and creativity. Develop and apply advanced technologies, engineering principles, theories, and concepts. Broad knowledge about the design and operation of systems outside of specialty. Work within the Engineering team to develop features that specifically benefit our users. Must be able to deliver high-quality code on schedule and communicate with groups in and outside the development team. What you’ll need Bachelor’s Degree, Computer Science Degree, or equivalent from a fully-accredited college or university. 6+ years of Java programming experience. Our core stack is Java/React, and we run on Kubernetes in a microservices architecture. 3+ years of experience working in full stack, multi-channel products A proven understanding of web standards,performance, best practices, security and browser internals. Willingness to roll up your sleeves, collaborate with others, and get stuff done. Solid sense of responsibility; driving a project from inception to completion. Proven experience in production operations and support. Experience working in a collaborative coding environment, refining designs together, working through code reviews, and managing pull requests. Take initiative and produce timely results in a fast-paced and sometimes ambiguous environment. Technology requirements Experience with ReactJS&nbsp; Experience with Java and NodeJS Solid understanding of web technologies and standards: Security best practices (XSS, CSRF, auth flows, secure storage, etc.) API integration (REST, GraphQL) JavaScript / TypeScript HTML5, CSS3, responsive design Modern build and tooling ecosystems (Webpack, Vite, npm/yarn/pnpm, etc.)&nbsp; Mobile native/hybrid development (ReactNative, Cordova, Swift, Kotlin, Kotlin Multiplatform)&nbsp; 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.&nbsp; &nbsp; To view all of our comprehensive&nbsp;and competitive&nbsp;benefits, visit our&nbsp;Benefits at SoFi&nbsp;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 Rights SoFi 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 accommodations@sofi.com. 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.

Staff Fullstack Software Engineer

Employee Applicant Privacy Notice 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. Role Overview:We are seeking a highly skilled and motivated Product Manager, Advanced AI &amp; Risk Data Solutions to lead the development and execution of advanced data-driven solutions for our First Line of Defense Risk Data, which includes Business Risks &amp; Controls, Credit, Collections, and Fraud domains. This role will amplify the utilization of data across the organization, driving innovation through Artificial Intelligence (AI), Machine Learning (ML), and Automation. As the bridge between engineering, data, and business stakeholders, you will be responsible for defining and delivering solutions that enhance decision-making, streamline processes, and improve risk outcomes. Key Responsibilities: Product Strategy and Vision:Develop and execute a roadmap for AI/ML and data-driven products that support Risk Data, including Credit, Collections, and Fraud.Collaborate with stakeholders to identify opportunities for leveraging data, ML, and automation to address risk management challenges.Align the product strategy with organizational goals, ensuring it enhances operational efficiency, predictive analytics, and customer outcomes.AI &amp; Automation for Business Risk &amp; Controls:Collaborate with the Business Risk &amp; Controls division of SoFi to implement AI/ML solutions that improve risk oversight and process efficiency.Identify opportunities for automation in Risk Data operations to replace manual activities, enabling teams to focus on strategic and impactful work.Data-Driven Insights and Decisioning:Develop AI Analytics to accelerate strategy improvement opportunities and insights within the Decision Engine.Create solutions that empower teams to make data-driven decisions by providing actionable insights and predictive capabilities.Stakeholder Collaboration:Work closely with Credit Risk, Collections, and Fraud teams to define product requirements and success metrics.Serve as the primary liaison between technical teams (Data Engineers, ML specialists) and business units, ensuring alignment on priorities and deliverables.Operational Excellence:Establish and implement best practices for data governance, quality, and security within AI/ML applications.Monitor product performance and iterate on solutions to improve accuracy, efficiency, and user experience. Qualifications:Bachelor’s or Master’s degree in Computer Science, Data Science, Engineering, or a related field. MBA is a plus.8+ years of experience as a Product Manager, with a focus on data-intensive products, AI/ML, or automation solutions.Proven experience delivering AI/ML products in financial services or risk-related domains such as Credit, Collections, and Fraud.Technical Expertise:Strong understanding of data pipelines, modeling, and storage technologies (e.g., Snowflake, dbt, Airflow).Familiarity with AI/ML frameworks such as TensorFlow, PyTorch, or Hugging Face, and cloud platforms (AWS, SageMaker).Skills and Competencies:Excellent problem-solving and analytical skills with a data-driven mindset.Strong communication and collaboration skills to work effectively with cross-functional teams.Ability to balance long-term strategic goals with immediate operational needs. &nbsp;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.&nbsp; &nbsp; To view all of our comprehensive&nbsp;and competitive&nbsp;benefits, visit our&nbsp;Benefits at SoFi&nbsp;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 Rights SoFi 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 accommodations@sofi.com. 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.

Product Manager, Advanced AI & Risk Data Solutions

Employee Applicant Privacy Notice 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 Senior 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:&nbsp; 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: 5+ 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).&nbsp; 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 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.&nbsp; &nbsp; To view all of our comprehensive&nbsp;and competitive&nbsp;benefits, visit our&nbsp;Benefits at SoFi&nbsp;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 Rights SoFi 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 accommodations@sofi.com. 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.

Senior Software Engineer, Member AI Features

Employee Applicant Privacy Notice 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 Backend Software Engineer to join our Subscription Cancellation team.&nbsp; In this role, you will be a key contributor to a cross-functional product team, responsible for designing, developing, and maintaining scalable microservices. You will work closely with Senior and Staff engineers to solve complex technical challenges and deliver high-quality code that is secure, resilient, and performant. This is an opportunity to grow your technical expertise in a fast-paced environment while building products that have a meaningful impact on the financial lives of our members. What you’ll do:&nbsp; Design and implement robust backend services and APIs using Kotlin or Java and the Spring Boot framework. Write clean, maintainable, and well-tested code while participating in code reviews to ensure high engineering standards. Collaborate with Product Managers and Designers to understand requirements and translate them into technical solutions. Troubleshoot and resolve production issues, contributing to the overall reliability and performance of our systems. Contribute to the documentation of technical designs, internal processes, and API contracts. Assist in the deployment and monitoring of services using modern CI/CD tools and cloud infrastructure. Partner with cross-functional teammates to ensure seamless integration between backend logic and frontend experiences. What you’ll need: Bachelor’s Degree in Computer Science or a related field, or equivalent professional experience 2+ years of professional software development experience, with a focus on backend systems. Proficiency in Kotlin or Java and experience with the Spring Boot framework. Experience working with relational databases, such as PostgreSQL, and an understanding of data modeling. Familiarity with microservices architecture and RESTful API design. Exposure to cloud environments, preferably AWS, and containerization tools like Docker or Kubernetes. Experience with automated testing frameworks and a commitment to writing unit and integration tests. Strong communication skills and a desire to work in a collaborative, agile team environment. Bachelor’s Degree in Computer Science or a related field, or equivalent professional experience. 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 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.&nbsp; &nbsp; To view all of our comprehensive&nbsp;and competitive&nbsp;benefits, visit our&nbsp;Benefits at SoFi&nbsp;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 Rights SoFi 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 accommodations@sofi.com. 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.

Software Engineer, Member AI Features

Employee Applicant Privacy Notice 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 looking for a Senior Mobile Engineer with a natural inclination to elegantly solve complex problems. Flutter experience is preferred, but not strictly required. As a member of the Mobile Core team, you will be responsible for improving our mobile-first banking experience and helping members get their money right. You will get the chance to take on challenging and interesting mobile scalability problems as part of a highly collaborative platform team. You will engage with Design and Product leadership routinely to put together engineering plans and have direct access to stakeholders. The ideal candidate will be a mentor and a team-player who is hands-on and comfortable driving solutions from initial architecture to final implementation with a strong sense of ownership and drive for delivery .&nbsp; 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 and continual improvement and evolution. What you’ll do: Must be able to deliver high-quality code on schedule, communicate with groups in and outside the development team. Produce well-designed, scalable and reusable code Participating in code and design reviews, setting a high bar for the team Be able to work effectively across functions and teams to ensure deliverables are met. Design and build large features (each with many tasks) independently without guidance. Track project performance against defined milestones/goals. Collaborate with product managers and other stakeholders. Take initiative and produce timely results in a fast-paced and sometimes ambiguous environment. Mentor more junior engineers. Create and add to existing technical documentation. Make significant contributions to the code base and drive the roadmap forward. What you’ll need: Bachelor’s Degree, Computer Science Degree or equivalent from a fully-accredited college or university. 4+ years mobile programming experience in Android or iOS. Git-based distributed version control systems. Agile-based project development in a microservices environment. Test-driven development along with unit and integration testing. Strong fundamentals in web protocols. Experience developing against REST apis. Experience with working with modern mobile design patterns. Strong debugging skills. Passion for solving complex problems. Work and play well with others; SoFi is a collaborative environment. Nice to have: Experience working with Flutter and other cross-platform technologies. Reactive programming knowledge (RX, Coroutines, Streams). Knowledge of and contributions to mobile open source frameworks. Understanding of S.O.L.I.D or G.R.A.S.P principles. Understanding of Clean Architecture patterns. Previous experience building platform-level frameworks and components in a large codebase. Expertise in mobile performance tuning. 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.&nbsp; &nbsp; To view all of our comprehensive&nbsp;and competitive&nbsp;benefits, visit our&nbsp;Benefits at SoFi&nbsp;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 Rights SoFi 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 accommodations@sofi.com. 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.

Senior Software Engineer, Mobile Platform

Employee Applicant Privacy Notice 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 highly skilled and experienced Senior Software Engineer to join our Observability Engineering team to create and modernize observability tools that allow engineers to understand application behavior. You will have the opportunity to directly impact the direction and architecture of our observability platform, focusing on developer enablement, platform architecture and reliability. If you are a seasoned engineer that excels where software development meets infrastructure please apply.&nbsp; What You’ll Do: Design, write, and maintain software that enables developers to efficiently interact with our observability platform. Lead the modernization of our observability platform architecture by evolving it toward scalable, cloud-native and OpenTelemetry-aligned standards. Work closely with cross-functional teams to understand requirements and design solutions that are intuitive, efficient, scalable, and reliable. Provide technical leadership for the Observability team to design and implement strategies for&nbsp; improving observability standards, optimizing costs, and enabling product teams. Lead the development of software solutions to enable engineers to seamlessly use metrics, monitors, traces and logs. Identify opportunities for automation and process improvement to enhance developer productivity. Collaborate with engineers and vendors to integrate solutions seamlessly into cloud environments. Conduct code reviews and provide constructive feedback to other team members. Stay up-to-date with the latest trends and technologies in observability and software engineering. What You’ll Need: Bachelor's or Master's degree in Computer Science, Software Engineering, or a related technical field. 4+ years of software development and/or observability related experience. Expertise in observability platforms components and administration. Strong programming fundamentals (Go/Python). Expertise in enterprise observability best practices. Strong understanding of software design principles and best practices. Experience with infrastructure as code (IaC) tools and practices (e.g. Terraform). Familiarity with CI/CD pipelines and tools (e.g., Jenkins, GitLab ArgoCD). Familiarity with AI tools and their utilization into daily work (e.g., Claude, Cursor, Glean etc ). Excellent problem-solving skills and ability to think strategically about observability platform design. Preferred Qualifications: Experience with curating and improving observability tools at scale. Experience with open telemetry and open telemetry collectors. Experience developing observability automation. Experience with security and compliance in cloud environments. 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.&nbsp; &nbsp; To view all of our comprehensive&nbsp;and competitive&nbsp;benefits, visit our&nbsp;Benefits at SoFi&nbsp;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 Rights SoFi 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 accommodations@sofi.com. 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.

Senior Software Engineer, Observability

Employee Applicant Privacy Notice 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 Senior Software Engineer to play a pivotal role in our Money product architecture transformation, focusing on the evolution of our banking core and the implementation of enhanced money movement. This position involves maturing our member-facing critical money movement rails, particularly in areas such as integration to platforms which are critical to supporting bank functions in the modern core . You’ll be working within a highly collaborative environment where planning and executing through a unified campaign lens is essential due to the complexity and interdependencies of these initiatives. As a SoFi senior software engineer, you’ll be in the middle of it all – you’ll work with stakeholders to implement functionality, architect our systems, squash bugs, and continually grow as an engineer. 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 and continual improvement and evolution - and you’ll be working with an all-star team of talented engineers. What You’ll Do: Lead the development and testing of our systems and services Participate in shaping the technical architecture of the product Help translate product requirements into user stories and technical solutions Deliver highly available and scalable services in a production environment Mentor other engineers, support the technical culture, and help grow the team Generate ideas for new initiatives and technologies Communicate with project leads, product managers and other software developers What You’ll Need: Bachelor’s Degree in Computer Science or related field 4+ years programming experience, ideally on a modern stack Our core stack is Java/ Kotlin/ Spring / PostgreSQL/ React, and we run on Kubernetes in a service oriented architecture with over 100 services in production 2+ years Java, Kotlin or Scala programming experience&nbsp; A proven understanding of relational databases and ORMs Experience working on a SOA or microservice-based application. Willingness to roll up your sleeves, collaborate with others and get stuff done Solid sense of responsibility; driving a project from inception to completion Affinity for solving problems and shipping impactful features, not polishing perfect code or architecture Experience working in a collaborative coding environment, refining designs together, working through code reviews and managing pull requests Nice to Have: Interest in personal finance Experience managing your own investments or experience taking out loans&nbsp; Experience scaling highly available, mission critical systems Full-stack experience, either toward systems (kafka, docker, posix), databases (postgres), or front-end (javascript/typescript, react) 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.&nbsp; &nbsp; To view all of our comprehensive&nbsp;and competitive&nbsp;benefits, visit our&nbsp;Benefits at SoFi&nbsp;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 Rights SoFi 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 accommodations@sofi.com. 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.

Senior Software Engineer, Money

Employee Applicant Privacy Notice 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. Social Finance, LLC seeks Software Engineer in Cottonwood Heights, UT:&nbsp; Job Duties: Contribute to the development, testing, and lifecycle of our Capital Markets, Investor Reporting, and Accounting systems and services, including related data pipelines and reporting functionality. Create well written technical documentation, including writing and contributing to design documents and POCs to plan out systems and functionality for our business partner use cases. Implement new functionality in our existing components for the team to leverage. Review and approve code in Gitlab. Identify inefficiencies, make recommendations for improvements to optimize processes, systems, and data flows. Foster effective communication with project leads, product managers, software developers, and data consumers. Support other engineers and the technical culture and help grow the team. Evangelize good, team best practices around data and team processes. Telecommuting is an option.&nbsp; &nbsp;Minimum Requirements: Master’s degree (or its foreign degree equivalent) in Computer Science, Engineering (any field), or a related quantitative discipline, and six (6) months of experience in the job offered or in any occupation in related field. &nbsp;Special Skill Requirements: (1) Java; (2) Kotlin; (3) React; (4) Spring Boot; (5) AWS; (6) PostgreSQL; (7) MongoDB; (8) Airflow; (9) DBT; (10) Snowflake; (11) Kafka; (12) Terraform; (13) Python; and (14) SQL. Any suitable combination of education, training and/or experience is acceptable. Telecommuting is an option.&nbsp; Submit resume with references using the apply button on this posting or by email to: Req.# 132.2 at: ATTN: HR, jobadverts@sofi.org. &nbsp; Application Deadline: 03/20/2026 &nbsp; &nbsp; #LI-DNICompensation 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.&nbsp; &nbsp; To view all of our comprehensive&nbsp;and competitive&nbsp;benefits, visit our&nbsp;Benefits at SoFi&nbsp;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 Rights SoFi 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 accommodations@sofi.com. 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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