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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:

So Fi’s AI Specialist - GenAI, NLP (Banking/Financial Services) is a critical hands-on engineer position in So Fi’s growing independent risk organization focussed on applying data processing/reporting and practical artificial intelligence techniques to solve real world problems. This role will be instrumental in conceptualizing, prototyping and implementing best-in-class AI-based solutions to meet risk management requirements.

This hands-on individual contributor role will work closely with the Director of Risk Analytics, and will play a pivotal role in developing data, reporting, and infrastructure solutions supporting the risk function. This is a crucial role for the independent risk function as we execute our mission to help more members get their money right.

What you’ll do:

• Architect AI Solutions: Design and develop AI-based solutions leveraging available Generative AI (Gen AI), BERT based LLMs, and natural language processing to enable enhanced risk reporting, deeper insights, and automated risk management web applications and solutions.

• Develop Agent Systems: Serve as a subject matter expert in developing sophisticated agentic solutions utilizing Large Language Models (LLMs) to automate complex tasks and workflows.

• Implement AI Operations & Observability: Implement comprehensive AI observability solutions, including real-time monitoring, error tracking, and performance logging for deployed models.

• Model Optimization: Implement and manage parameter-efficient fine-tuning (PEFT) techniques (e.g., LoRA) to customize and optimize pre-trained models for specific tasks with minimal computational overhead

• Cross Functional Collaboration: Coordinate with cross-functional teams to distill specific requirements, project roadmaps, and ensure accurate and on-time project deliveries

• Proof of Concepts & Proposals - Identify areas for process enhancements and automation to streamline workflows and increase productivity within the risk management function.

• AI Innovation: Stay up-to-date with the latest trends and advancements in GenAI, LLMs, and NLP, evaluating and experimenting with new techniques and tools to push the boundaries of AI innovation in the banking sector.

What you’ll need:

• Bachelor’s or Master’s degree in Computer Science, Data Science, AI, Machine Learning, or a related field. PhD is a plus.

• 3+ years software development experience, with hands-on experience in developing and successfully deploying production-level AI applications that have been used by real customers or internal stakeholders.

• Expert-level experience with Lang Graph to model and orchestrate complex, stateful multi-step reasoning and control flow in LLM applications.

• Expert-level experience in developing agentic solutions, including familiarity with tool-use, planning, memory, and reflection patterns.

• Deep understanding of Large Language Model (LLM) architectures, prompt engineering, retrieval-augmented generation (RAG), and advanced text generation techniques.

• Direct experience implementing AI observability solutions (e.g., using tools like Lang Smith, Arize, Weights & Biases) and establishing rigorous tracing and testing methodologies for LLM workflows.

• Proven experience implementing parameter-efficient fine-tuning (PEFT) techniques (e.g., LoRA) to customize and optimize pre-trained models for specific tasks with minimal computational overhead.

• Experience with cloud platforms (AWS, Azure, or GCP) and containerization technologies (Docker, Kubernetes).

• Expert level Python is required.

• React is strongly preferred.

• Experience with large-scale data handling, including unstructured and structured data pipelines, with a strong preference for Snowflake and DynamoDB.

• Experience developing and integrating AI-powered APIs and microservices architecture into banking applications.

• Experience with vector databases and retrieval-augmented generation (RAG) techniques using systems like Elasticsearch, Pinecone, or FAISS for enhancing LLM performance.

• Expertise in AI system evaluation, including selection and application of appropriate performance metrics across diverse scenarios.

• Strong analytical and problem-solving skills with attention to detail and an ability to work with complex, large-scale systems.

• Strong collaboration skills, with experience working in agile, cross-functional teams.

Nice to have:

• Familiarity with regulatory frameworks and ethical considerations in AI within the banking industry (e.g., GDPR, data privacy, model explainability).

• Experience in banking or financial services use cases such as conversational AI for customer service, intelligent document processing for loan applications, fraud detection, or risk analysis.

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 So Fi page!
So Fi 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
So Fi is committed to an inclusive culture. As part of this commitment, So Fi 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 accommodations@sofi.com.
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.