Senior Software Engineer, Member AI Features

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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 seeking a Senior Engineer to join our new Member AI Features team. This team is critical to SoFi’s member experience and operational integrity, ensuring that members can manage their spending with transparency and ease.

In this role, you will architect and build the logic that powers spending management lifecycles—focusing on the complex workflows behind managing spending with LLM-powered workflows and automation. You will operate with a high degree of autonomy, owning meaningful backend components from design through production, while collaborating closely with cross-functional product teams to reduce friction and build trust.

What you’ll do:

• Bachelor’s Degree in Computer Science or a related field, or equivalent professional experience

• Lead the development of scalable, resilient microservices that manage subscription states, automated cancellation workflows, and real-time billing integrations.

• Participate in shaping the technical architecture of our membership platform, ensuring systems are highly available, observable, and capable of handling high-volume event processing.

• Partner with Product Managers and Designers to translate business requirements—like churn reduction strategies or regulatory compliance—into robust technical solutions.

• Lead code and design reviews, setting a high bar for backend reliability and data consistency. You’ll be responsible for ensuring that a member’s intent to cancel is processed accurately every time.

• Support the growth of the engineering team through technical guidance, mentorship of junior engineers, and fostering a culture of operational excellence.

• Own the full lifecycle of your services, from implementation and testing to deployment (CI/CD), monitoring, and on-call support.

What you’ll need:

• 5+ years of professional software development experience, with a focus on backend systems at scale.Technical Stack: Deep proficiency in Kotlin or Java and experience with the Spring Boot framework.

• Experience designing and operating distributed systems, microservices, and event-driven architectures (e.g., Kafka, SQS, or RabbitMQ).

• Solid understanding of relational databases (PostgreSQL preferred), data modeling, and performance tuning for high-traffic applications.

• Hands-on experience with cloud environments (AWS preferred) and containerization tools like Docker and Kubernetes.

• Pragmatism: A "get-it-done" mindset—balancing the need for engineering excellence with the speed required to deliver business value to our members.

• Clear, effective communication skills and the ability to explain complex technical trade-offs to non-technical stakeholders.

Nice to have:

• Experience building intuitive and accessible user interfaces with React/TypeScript

• Experience integrating Large Language Models (LLM) into products

• Experience scaling highly available, mission critical systems

• Full-stack experience across backend and frontend

• History of building digital products in the financial space

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 [email protected].

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.