Principal Engineer, Digital Identity

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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

You will be the technical leader for Digital Identity at SoFi: the platform group that powers identity, authorization, and entitlements for every product and every member across the company. Digital Identity runs Tier-0 infrastructure: the highest criticality rating at SoFi. Every product line, banking, lending, investing, credit cards, crypto depends on these platforms to know who a member is, what they're entitled to, and what they're authorized to do. When these platforms are down, SoFi is down.You'll define the technical strategy for this group. You'll architect solutions for complex, ambiguous problems: multi-person access patterns, cross-organizational platform convergence, and data integrity at financial-services scale.

You'll build the engineering processes and culture that let a lean team operate Tier-0 infrastructure with confidence. And you'll push the boundaries of how we build, leveraging AI to accelerate development, prototype faster, and experiment with approaches that would have been impractical two years ago.

What You'll Own

Platform Technical Strategy: Digital Identity operates multiple Tier-0 platforms spanning identity resolution, entitlement management, and fine-grained authorization. You own the technical strategy across all of them: setting the architectural direction, executing and leading designs, and ensuring the platforms evolve as a coherent system rather than independent services.

Complex Authorization Architecture: SoFi is expanding into scenarios where multiple people interact with shared financial resources: across business, family, and custodial contexts. You'll design the unified platform architecture that handles these patterns at scale: consistent access models, compliance-grade audit trails, and enforcement of regulatory requirements. This is one platform problem with many product surfaces.

Cross-Organization Platform Convergence: SoFi operates and integrates with multiple technology organizations with overlapping identity and authorization infrastructure. You'll lead the architectural vision for convergence: a shared platform primitives that multiple organizations consume while preserving the flexibility each product line needs. This requires navigating competing priorities, different technical stacks, and organizational boundaries.

Operational Excellence & Data Integrity: Tier-0 financial platforms demand more than uptime. You'll architect the verification and reconciliation systems that prove these platforms are correct:  automated integrity checks, drift detection, and self-healing mechanisms. You'll establish the operational processes, incident response standards, and reliability practices that let the team ship with confidence and sleep at night.

Engineering Culture & Team Uplift: You'll raise the bar for how this team builds software. That means establishing rigorous design review processes, defining engineering standards that compound over time, mentoring senior ICs into technical leaders, and creating the feedback loops that turn incidents into prevention. You're not just the best engineer on the team: you're the reason the whole team gets better.

Strategic Investment Identification: You won't just execute on the roadmap handed to you. You'll identify the next set of high-leverage technical investments: where the platforms should go, what capabilities are missing, which emerging patterns (in authorization, in AI, in infrastructure) should be adopted before the business asks for them.

What We're Looking For

Required Qualifications

• Distributed systems architecture at scale. You've designed and shipped platforms that other engineering teams depend on:  not just consumed services, but built them. You understand the failure modes of event-driven systems, eventual consistency, and cross-service data integrity. You've made hard tradeoffs between consistency, availability, and latency in production.
• Technical leadership with accountability built in. You don't just design systems: you design systems that prove they're correct. Reconciliation mechanisms, audit trails, integrity guarantees, automated verification. You've built infrastructure where "trust but verify" is architecture, not process.
• AI fluency and innovation. You actively use AI to build, prototype, and experiment. You've integrated AI-assisted development into your workflow and can articulate where it accelerates engineering and where it introduces risk. You push teams to adopt AI-native approaches to development not as a novelty, but as a competitive advantage in velocity and experimentation.
• Group-level influence and execution. You've driven technical strategy across multiple teams. You've navigated ambiguity where business goals were clear but the right technical problems to solve were not. You've represented your organization's technical direction to peer groups and senior / executive leadership.
• Engineering culture builder. You've established processes, standards, and practices that made entire teams more effective and not just shipped features yourself. You care about design review rigor, operational readiness, on-call excellence, and mentoring senior engineers into technical leaders.
• Ownership of outcomes, not just systems. You measure your work by what it enabled such as products shipped, risks eliminated, teams unblocked and not by the complexity of what you built.

Preferred Qualifications

• Experience building identity & authorization platforms especially in multi-tenant or consumer-facing contexts. Familiarity with relationship-based access control models, fine-grained authorization systems, or identity federation infrastructure.
• Experience in financial services or regulated industries where compliance, audit trails, and data integrity are architectural requirements, not afterthoughts.
• Track record of platform convergence: merging or unifying infrastructure across acquisitions, subsidiaries, or organizations with different technical stacks.

What This Isn't

This is not a role for someone who wants to write code in a corner. You'll spend significant time on architecture, cross-team alignment, design reviews, and mentorship. You will write code and drive credibility with your depth but the highest-leverage output is the technical direction you set, the engineering culture you build, and the engineers you develop.

Why This Role?

• Scope. Digital Identity is horizontal infrastructure. Every product at SoFi depends on your platforms. A design decision you make affects millions of members.
• Hard problems. Multi-person financial authorization, cross-org platform convergence, data integrity at Tier-0 scale. These aren't optimizations: they're greenfield architecture for a company-wide platform.
• Visibility. Tier-0 means executives know when you ship and when you don't. Impact is not abstract here.
• Build + Lead. Deep distributed systems work and Group-level technical leadership. You’ll build both muscles, every week. You'll architect systems and build the team's engineering culture in equal measure.
• AI-forward engineering. We're not waiting for the industry to figure out how AI changes platform engineering. You'll help define that for Digital Identity, using AI to move faster, experiment more, and build systems that would have been impractical with traditional approaches alone.

About SoFi

SoFi is a member-first personal finance platform serving millions of members. We offer banking, lending, investing, insurance, and more – all in one app. Our engineering culture values ownership, accountability, and building platforms that scale across product lines rather than bespoke solutions per vertical.

Digital Identity is one of the most critical engineering groups at SoFi. We're a lean, senior team solving company-wide problems at the intersection of security, scale, and member experience.

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.

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi 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.