Senior Software Engineer, Cloud Efficiency

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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:

SoFi is seeking a highly skilled Senior Software Engineer to join our Cloud Efficiency team, a role that sits at the pivotal intersection of strategic finance and cloud engineering. As a key contributor to our Efficiency Platform and FinOps strategy, you will move beyond static monitoring by engineering autonomous AI agents and RAG-based workflows to proactively resolve inefficiencies, ensuring our cloud architecture remains both high-performing and fiscally disciplined. This is a unique opportunity to directly influence the architecture and efficiency best practices used across SoFi engineering, building mission-critical visibility tools that empower developers to scale innovation efficiently. If you are a seasoned engineer with a passion for cloud technologies and a desire to enhance the performance and cost-effectiveness of foundational systems, we invite you to help fuel SoFi’s next generation of financial offerings.

What You’ll Do:

• Collaborate with cross-functional teams to design and implement scalable and efficient cloud solutions.
• Develop and maintain robust data pipelines that ingest and normalize granular billing data, integrating system performance telemetry with cost metrics to provide a single source of truth.
• Build intuitive, scalable utilization and cost observability solutions that track key cloud efficiency metrics, empowering developers to see the direct financial impact of their architecture.
• Collaborate with external vendors and software engineers to integrate solutions seamlessly into cloud environments.
• Implement sophisticated tagging strategies and Infrastructure as Code (IaC) to ensure 100% of cloud resources are accurately mapped to business units and products.
• Build and Operate agentic AI solutions to analyze efficiency and utilization data, provide insights and drive optimization strategies.
• Write high-quality software solutions, including automation scripts and custom tooling, to proactively identify and eliminate cloud waste and process inefficiencies.
• Conduct code reviews and provide constructive feedback to other team members.

What You’ll Need:

• Bachelor's or Master's degree in Computer Science, Software Engineering, or a related technical field.
• 5+ years software development experience.
• Deep expertise in cloud platforms including AWS, and cloud native technologies.
• Strong programming fundamentals (Java, Kotlin, Python, Go).
• Strong understanding of software design principles, microservice architecture and best practices.
• Experience with infrastructure as code (IaC) tools and practices.
• Experience with container orchestration (e.g. Docker, Kubernetes), Networking and service meshes (e.g. Istio).
• Experience with workflows (e.g. Temporal, Apache Airflow, Cadence).
• Expertise in AI coding tools (e.g., Cursor, Windsurf, Claude Code) and building agentic workflows to automate cloud governance, using AWS Bedrock, RAG patterns, and MCP is a plus.

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.