Senior Staff Engineer, Lending Finance

Senior Staff Engineer, Lending Finance

Base pay range: $/yr - $/yr.

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.

We are looking for an eager Senior Staff Software Engineer excited to dive in and help build and support the cutting edge technology systems of the Lending Finance Platform team, which support our Capital Markets and Accounting business functions. SoFi is trying to push the boundaries of lending and provide next‑level products for our members and investors, and we are seeking anyone with big ideas and a drive to help achieve our goals.

We value forward‑thinking engineers who are hands‑on, take ownership, and drive delivery. You’ll be surrounded by a talented team where mentorship, knowledge‑sharing, and collaboration are central to our culture. We’re seeking someone who is not only an expert in full‑stack development but also understands how to leverage data for impactful reporting and aggregation across the platform.

As a senior staff software engineer, you will be part of a team that is empowered to make technical decisions that have direct impact on the success of the business. You will be in the middle of it all – working with partner teams in Lending Engineering and Data Science, implementing new functionality, architecting our system, squashing bugs, maintaining the health of our code, delivering scalable and highly‑available services, and continually growing as an engineer.

The ideal candidate is both forward‑thinking and hands‑on, has a strong sense of ownership and drive for delivery, and is a good mentor and co‑worker.

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, testing, deploying, monitoring, supporting, and continual improvements and evolution of mission‑critical systems. You’ll face and solve a wide range of challenges: technical, product, and operational, shaping your personal growth and career along the way, as well as using your areas of expertise to grow the capabilities of the rest of the team.

• Write production‑grade, scalable backend code using Java, Kotlin, Spring Boot, and modern frameworks.
• Debug and resolve complex systems issues in high‑scale, real‑time services.
• Develop APIs, services, and platform infrastructure that support loan servicing, payment schedules, and operational workflows.
• Drive hands‑on delivery of critical projects like schedule generation, batching frameworks, and testing infrastructure.
• Architect platform‑level services and improve systems for resilience, observability, and extensibility.
• Make high‑leverage engineering decisions that balance speed, quality, and maintainability.

• Partner with product, design, operations, and other engineering teams to build solutions that deliver business value and customer impact.
• Contribute to cross‑functional platform efforts (e.g., onboarding, credit bureau reporting, collections APIs).
• Drive alignment on technical strategy and execution, with strong written and verbal communication.

• Bachelor’s or Master’s degree in Computer Science, Software Engineering, or a related field.
• 8+ years experience as a software engineer, designing and implementing complex software solutions.
• Experience with React / Java / Spring / Kotlin / Postgre
  
  SQL / AWS. Expertise with any modern Java frameworks, REST APIs, and relational databases
• Deep understanding of software architecture, design patterns, and…