Job Details

Overview

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 transforming, and we're at the forefront. Join us to invest in yourself, your career, and the financial world.

The role: We are seeking a Senior Full-Stack Engineer for the Member Benefits and Rewards team. We are responsible for member-facing SoFi Plus benefits like credit card cash back and the 1% investment match. We are also responsible for SoFi's newest subscription – SoFi Plus. 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, providing opportunities for the SDE to gain full-stack experience on a company priority initiative.

Responsibilities

• Architect and scale high-performance systems and services that drive member growth and engagement.
• 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 member adoption and engagement.
• Own the full lifecycle of projects—from ideation to deployment, monitoring, and continuous improvement.

Qualifications

• Bachelor's Degree in Computer Science or related field.
• 5+ 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 C#, 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

• Interest in personal finance, fintech, or SoFi's mission.

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 ...@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.