Senior Software Engineer, Bank

Employee Applicant Privacy Notice 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 looking for a Software Engineer to join our SoFi Money team. As a member of the SoFi Money team, you will help build new systems, maintain the health of our systems, and continually grow your skill set. The ideal candidate is both forward-thinking and hands-on, has a solid sense of ownership and drive for delivery, and is a strong team player. 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, deploying, and continual improvement and evolution. What You’ll Do Build and maintain backend services that support client onboarding, account setup, and payment configuration workflows. Develop APIs used by internal teams and external clients, following established design standards and best practices. Write clean, maintainable, and well-tested code in a JVM-based stack (Kotlin/Java, Spring Boot). Follow established patterns for reliability, scalability, and fault tolerance. Participate in code reviews and incorporate feedback to improve code quality. Debug and troubleshoot issues in development and production environments with guidance from senior engineers. What You’ll Need 1+ years of software engineering experience building backend systems. Experience with JVM-based languages (Java or Kotlin) and frameworks like Spring Boot. Basic understanding of distributed systems concepts (e.g., APIs, databases, service communication). Experience building or consuming APIs. Familiarity with cloud platforms (AWS/GCP) and containerized environments (e.g., Kubernetes) is a plus. Strong problem-solving skills and attention to detail. Good communication skills and willingness to learn from others. Bachelor’s degree in Computer Science, Software Engineering, or related field (or equivalent experience). Nice to Have Exposure to financial systems, payments, or fintech products. Familiarity with event-driven systems or messaging platforms (e.g., Kafka). Experience working with workflow or orchestration tools. Understanding of reliability concepts like retries, idempotency, and fault tolerance. Interest in building scalable, high-availability 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 Chan ... (truncated, view full listing at source)