Senior Staff Engineer, Personal Loans

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 looking for an eager Senior Staff Software Engineer excited to dive in and help build and support the cutting edge technology systems of the Lending Finance Platform team, which support our Capital Markets and Accounting business functions. SoFi is trying to push the boundaries of lending and provide next-level products for our members and investors, and we are seeking anyone with big ideas and a drive to help achieve our goals. 

We value forward-thinking engineers who are hands-on, take ownership, and drive delivery. You’ll be surrounded by a talented team where mentorship, knowledge-sharing, and collaboration are central to our culture. We’re seeking someone who is not only an expert in full-stack development but also understands how to leverage data for impactful reporting and aggregation across the platform.

As a senior staff software engineer, you will be part of a team that is empowered to make technical decisions that have direct impact on the success of the business. You will be in the middle of it all – working with partner teams in Lending Engineering and Data Science, implementing new functionality, architecting our system, squashing bugs, maintaining the health of our code, delivering scalable and highly-available services, and continually growing 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, testing, deploying, monitoring, supporting, and continual improvements and evolution of mission-critical systems. 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:

• Write production-grade, scalable backend code using Java, Kotlin, Spring Boot, and modern frameworks.
  
• Debug and resolve complex systems issues in high-scale, real-time services.
  
• Develop APIs, services, and platform infrastructure that support loan servicing, payment schedules, and operational workflows.
  
• Drive hands-on delivery of critical projects like schedule generation, batching frameworks, and testing infrastructure.

• 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.

• 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 (e.g., onboarding, credit bureau reporting, collections APIs).
  
• 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 React / 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, Terraform and CI/CD
  

Nice to have:

• Experience in financial services or fintech (loan servicing, payments, interest calculations, credit reporting, etc.)
• Experience with Temporal, Kubernetes, Docker, Terraform, and CI/CD tooling.
• Exposure to data analytics or machine learning platforms.
• Familiarity with front-end technologies such as React, Scala, or Flutter.