Job Description
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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 Full-stack Software Engineer to join SoFi’s AI Financial Actions & Recommendations team. 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 both code quality and the end-to-end product experience. At SoFi close partnership across Product Design and Engineering is core to how we work and you will be involved throughout the entire product lifecycle—from ideation and design to implementation deployment and continuous improvement. We also value a culture of continuous learning and you will be encouraged to invest in your own growth while mentoring and supporting fellow team members.
What you’ll do:
- Full-stack Development: Lead the design development and testing of software across the entire stack from mobile/web interfaces to backend microservices.
- Code Quality: Lead code reviews and models engineering excellence across both frontend and backend repositories.
- Execution: Translate product requirements to design and execution plan with high quality and focus on polished UI/UX.
- Collaboration: Communicate effectively with project leads engineering managers and fellow developers to coordinate complex feature launches.
What you’ll need:
- Education/Experience: 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.
- Experience: 4+ years of professional programming experience on a modern full-stack architecture.
- Frontend Expertise: Proficiency in React (web) is a must. We use Flutter (mobile) for building mobile UX.
- Backend Knowledge: 3+ years of experience with Java or Kotlin. Our core stack is Kotlin/Spring/PostgreSQL/DynamoDB.
- Experience and enthusiasm leveraging LLM/AI tools to increase your efficiency as an engineer.
Nice to have:
- Generative AI: experience working with LLM technologies such as agents prompt engineering and evaluation
- Cross-Platform Skills: Dual experience in both React and Flutter is a major plus.
- Systems Architecture: Experience working with asynchronous and event-based systems (queues streams).
- Database Scaling: Hands-on experience with both SQL and No-SQL (DynamoDB) at scale.
- Infrastructure: Familiarity with Kubernetes Docker and service-oriented architectures.
Top Skills
What the Team is Saying
What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions. Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete but can come together to create something truly unconventional in the world. For the last eight years we’ve been charting this new path forward. We call it The SoFi Way. At SoFi we don’t just talk about culture: we live it. The SoFi Way is how we show up every day how we make decisions and how we build for our members clients and each other.
Why Work With Us
Together with our members we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation and we’re at the forefront.
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SoFi Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
For the majority of our workforce who work on a hybrid schedule the in-office requirement is a handful of days per month!
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Date Posted
04/10/2026
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