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.

We are seeking a Staff Software Engineer to join the AI Financial Actions & Recommendations team at SoFi. This team is building the intelligence layer that powers SoFi’s Financial AI Agent — turning member goals and financial data into trusted, actionable recommendations and seamless execution opportunities across the SoFi ecosystem. You will have the opportunity to design and build a high-impact service from the ground up, shaping the architecture and systems that connect financial guidance to real-world action. This role will work at the forefront of Generative AI, integrating with SoFi’s Financial AI Agent to deliver intelligent, context-aware, and compliant experiences that help members take confident financial steps.

The ideal candidate is collaborative, product-minded, and pragmatic, with a strong sense of ownership and accountability for the quality of both the code and finished product. 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, deploying and continual improvement and evolution. We also pride ourselves on a philosophy of continuous learning, and you should likewise be committed to furthering your own career growth as well as to providing mentorship for your fellow team members.

What you’ll do:

Drive technical architecture, design decisions and cross-functional discussions for the product
Deliver highly available and scalable services in a production environment
Lead the design, development and testing of systems
Lead code and system design reviews
Help translate product requirements into user stories and technical solutions
Mentor other engineers, support the technical culture, and help grow the team
Generate ideas for new initiatives and technologies
Communicate with project leads, product managers and other software developers
Consistently demonstrate extremely high levels of technical knowledge, ingenuity, and creativity. Develop and apply advanced technologies, engineering principles, theories, and concepts. Broad knowledge about the design and operation of systems outside of specialty
Take initiative and produce timely results in a fast-paced and sometimes ambiguous environment

What you’ll need:

Bachelor’s Degree, ideally in a technical field, but we understand great engineers come from all sorts of different backgrounds and also consider relevant work experience
6+ years programming experience, ideally on a modern stack
Our core stack is Kotlin / Spring / PostgreSQL, and we run on Kubernetes in a service oriented architecture with over 100 services in production.

You should have 4+ years Java or Kotlin programming experience
You should have a strong understanding of relational databases and ORMs
You should have worked on a SOA or microservice-based application

Experience working with asynchronous systems and event based systems (queues, streams)
Experience working with applications that leverage Large Language Models (LLMs), such as integrating LLMs, designing prompts, or exploring their practical applications.
Strong sense of ownership; driving a project from inception to completion
Pragmatic approach towards handling tech debt versus shipping new features
Experience working in a collaborative coding environment, refining designs together, working through code reviews and managing pull requests

Nice to have:

Experience working with various emerging LLM technologies, including Retrieval-Augmented Generation (RAG), prompt engineering, or AI agents.
Experience with Natural Language Processing (NLP) or conversational AI, including building chatbots, virtual assistants, or similar systems.
Experience scaling highly available, mission critical systems
Full-stack experience across Backend and Front-end (javascript/typescript, react)

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.

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