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 seeking a Senior Staff Engineer to join our team. So Fi is building out a new team to develop crypto products and services for our members. Recent developments made a path for So Fi to begin to re-enter the space and expand on our product offerings with intuitive, secure and fully featured products across crypto Investing, Transfers, Payments, Custody and beyond.

On our team, you will be in the middle of it all – implementing functionality, architecting our system, squashing bugs, maintaining the health of our code, 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 So Fi, 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.

At So Fi, you’ll become part of a new kind of finance company whose ambition is to help our members achieve financial independence and reach their goals. We aim to be at the center of our members’ financial lives, and to help every member get their money right. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. Next we expanded our products and services across loans, wealth management, and insurance. So Fi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent. And that starts with you.

Key responsibilities

• 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.

• Build high-quality, scalable systems with a focus on performance, security, and reliability in crypto products.

• Shape the technical architecture across So Fi’s crypto stack — wallets, custody, trading, and beyond.

• Drive new ideas and technical strategies that push our crypto offerings forward.

• Raise the bar on engineering through code quality, mentorship, and setting strong technical standards.

• Apply deep knowledge of crypto protocols, smart contracts, and blockchain infrastructure.

• Collaborate across teams to deliver reusable crypto services and integrate with So Fi’s broader platform.

• Mentor engineers and contribute to a culture of technical growth and curiosity.

• Lead discussions, reviews, and decisions across teams and with senior technical leadership.

• Make smart, pragmatic decisions that balance speed and quality.

• Stay curious — constantly learning new tools, protocols, and patterns in the evolving crypto space.

• Ask hard questions, give and take feedback well, and thrive in a collaborative, fast-moving environment.

What you'll need

• 8+ years programming experience, with significant experience in modern day languages and familiarity with AI tools.

• Expert understanding and hands-on experience building and operating large-scale fault-tolerant distributed systems, workflows, databases and mobile/web applications

• Expertise with Java / Spring / Kotlin / PostgreSQL / AWS. Expertise with any modern Java frameworks, REST APIs, and relational databases

• Deep understanding of code release, deployment orchestration / rollout mechanisms, logging, instrumentation, monitoring, and alerting in a microservices environment.

• Experience with public cloud infrastructure

• Excellent verbal and written communication skills and working with stakeholders across disciplines

• Understanding of blockchain fundamentals and distributed ledger technologies

• Familiarity with digital assets across major chains (Bitcoin, Etherium, …)

• Hands-on experience with smart contracts is a plus

• Familiarity with custody, settlement, and clearing of crypto transactions

• Experience with security and best practices for wallet management

• Exposure to crypto trading platforms, market data, and De Fi protocols

• Experience integrating with or building services using crypto infrastructure providers (e.g., Fireblocks, Zero Hash, Anchorage)

• Awareness of Web3 trends, including NFTs, DAOs, and Layer 2 solutions

• Prior work in or collaboration with crypto-native companies or fintechs

• Enthusiasm for the evolving digital asset ecosystem and its potential impact on financial services

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.