Senior Staff Software Engineer, Credit Card

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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 Staff Software Engineer to join our SoFi Card team. This role plays a pivotal part in evolving the foundational platform that powers the credit lifecycle - including servicing, payments, balances, interest, fees, eventing, and integrations with internal and external cores.

You will help design and scale reusable, domain-driven services that support multiple credit products. This includes building lean, well-bounded core services (e.g., interest calculation, payment allocation, lifecycle state management) that are extensible, observable, and reliable at scale.

Given the complexity and interdependencies of credit systems - across risk, servicing, finance, and external partners - strong architectural alignment and cross-team collaboration are essential.

The ideal candidate is a hands-on technical leader who can shape long-term architectural direction across multiple teams while actively contributing to implementation. You bring strong domain intuition, thoughtful technical opinions, and the ability to balance product needs with durable platform design. You thrive in environments that require ownership, empathy, and principled trade-offs.

At SoFi, collaboration between Product, Design, Risk, Finance, and Engineering is core to how we build. You will be involved across the lifecycle - from ideation and domain modeling through implementation, deployment, operational excellence, and evolution.

What You’ll Do:

• Define and evolve the technical architecture of our credit platform, ensuring clean domain boundaries and scalable integrations.

• Design and implement foundational credit services (e.g., interest calculation, payment allocation, balance computation, lifecycle state transitions).

• Deliver highly available, scalable, and resilient services in a production environment.

• Drive event-driven architecture patterns that ensure reliable communication between credit systems and partner products.

• Ensure financial correctness, auditability, and operational resilience across our platforms.

• Lead the development, testing, and rollout of complex distributed systems.

• Mentor engineers and raise the bar for technical design, operational excellence, and domain modeling.

• Work cross-functionally to resolve technical conflicts, navigate trade-offs, and achieve alignment across squads.

• Ensure our systems remain modular, maintainable, and easy to evolve as we expand product offerings.

• Generate ideas for product and platform improvements to delight our members.

What You’ll Need:

• Bachelor’s or Master’s degree in Computer Science, Software Engineering, or related field.

• 8+ years of experience designing and implementing complex backend systems.

• Strong experience with Java / Spring / Kotlin / Python / PostgreSQL / AWS.

• Deep understanding of software architecture, domain modeling, and distributed systems.

• Experience building at-scale backend applications with high availability requirements.

• Experience designing event-driven systems (e.g., Kafka or similar technologies).

• Strong understanding of data consistency, idempotency, transactional integrity, and eventual consistency in distributed financial systems.

• Experience integrating with external systems or financial cores.

• Proven ability to influence architectural decisions across multiple teams while remaining hands-on.

• Excellent communication skills, with the ability to articulate technical trade-offs to diverse stakeholders.

• Experience with Docker, Kubernetes, CI/CD, and infrastructure-as-code (e.g., Terraform).

Nice to Have:

• Experience with credit lifecycle systems (servicing, payments, ledgering, balances, interest, or financial workflows).

• Familiarity with auditability, reconciliation, or financial reporting considerations.

• Experience building shared platform services across multiple products.

• Interest in personal finance and financial systems.

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.