Senior Staff Engineer, Lending Finance

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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 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:

Hands-on Engineering/ Technical Leadership & Strategy

• 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.

Team Collaboration & 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.

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.