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.

Title: Software Engineer, Full Stack

Location: San Francisco, hybrid (onsite 4X per month)

The role

We are seeking a Full-Stack Engineer for the Member Benefits and Rewards team. We are responsible for member-facing benefits like credit card cash back and the 1% investment match. We are also responsible for SoFi's newest subscription, SoFi Plus, which is an important project for the company. Our team manages member-facing features in SoFi's app and website as well as the backend streaming services that support this front-end experience. This provides ample opportunities for the SDE to gain full-stack experience and showcase their skill set in a company priority initiative.

What you'll do

Architect and scale high-performance systems and services that drive member growth and marketing efficiency.
Collaborate cross-functionally with Product, Design, Engineering, and Data Science teams to translate business needs into scalable technical solutions.
Mentor and inspire engineers through code reviews, technical leadership, and fostering a culture of innovation and collaboration.
Solve complex challenges across infrastructure, data pipelines, and backend services to ensure systems are robust, reliable, and future-proof.
Drive innovation by identifying opportunities for new technologies, AI/ML-driven marketing, and process improvements to enhance marketing capabilities.
Own the full lifecycle of projects—from ideation to deployment, monitoring, and continuous improvement.
Stay ahead of industry trends by exploring advancements in AI/ML, personalization, and automation to optimize SoFi’s marketing strategies.

What you’ll need

Bachelor’s Degree in Computer Science or related field.
3+ years of software engineering experience, with a proven track record of delivering scalable, production-grade applications.
Full-stack experience, including frontend (React, TypeScript) or infrastructure (Kafka, CI/CD, observability tools).
Strong backend expertise in Java, Kotlin, or Scala, with experience in frameworks like Spring Boot.
Experience designing and deploying microservices in a cloud-native environment (Kubernetes, Docker, Kafka, AWS).
Proficiency in relational databases (PostgreSQL) and ORMs with an ability to optimize data access patterns.
Ability to balance engineering excellence with business impact, prioritizing high-value initiatives.
Strong problem-solving skills and a passion for delivering efficient, well-tested, and maintainable solutions.
Excellent communication skills and ability to collaborate cross-functionally with marketing, product, and data teams.

Nice to have

Experience with MarTech or AdTech platforms, like marketing campaign orchestration, SEO, attribution, and personalization.
Interest in personal finance, fintech, or SoFi’s mission.
Prior experience working with AI/ML-driven marketing solutions.

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 embracing diversity. 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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