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 Staff Software Engineer, AI to join the Member Growth organization with the mission of bringing the value of AI to So Fi Members. This role will be pivotal in supporting our members’ financial journeys through advanced personalization and AI-driven solutions, and lead the development of internal frameworks, tools, and applications that bring cutting-edge capabilities to our marketing, communications, and measurement systems.

Our goal is to help members navigate their path to financial independence by providing the specific tools, resources, and guidance they need to succeed. We aim to be a trusted partner in their financial lives, delivering timely, tailored insights that build long-term confidence. Achieving this requires a thoughtful, highly personalized approach to every user’s unique financial needs.

The ideal candidate possesses a deep understanding of Artificial Intelligence (AI) and Machine Learning (ML) systems, paired with a passion for building next-generation products. At So Fi, we pride ourselves on the seamless collaboration between Product, Design, and Engineering; as such, you will be involved in the entire product lifecycle—from initial ideation to deployment and iterative evolution. We are committed to a philosophy of continuous learning, and we expect you to be equally dedicated to your own professional growth and the mentorship of your fellow team members.

What you’ll do

Drive technical architecture, design decisions and cross-functional discussions for AI and ML-based solutions

Deliver highly available and scalable services in a production environment

Lead the design, development and testing of systems

Lead code and system design reviews

Help translate product requirements into user stories and technical solutions

Mentor other engineers, support the technical culture, and help grow the team

Generate ideas for new initiatives and technologies

Communicate with product managers, data scientists, data engineers, and other software developers

Consistently demonstrate extremely high levels of technical knowledge, ingenuity, and creativity

Develop and apply advanced technologies, engineering principles, theories, and concepts

Take initiative and produce timely results in a fast-paced and sometimes ambiguous environment

What you’ll need

Bachelor’s Degree in Computer Science or related field, or equivalent experience

8+ years programming experience on a modern stack with expertise in Python

Experience working with new technologies in the AI stack, such as building Agents, creating MCP servers, fine tuning models, prompt engineering, and performance evaluation

Experience working with applications that leverage Large Language Models (LLMs), such as integrating LLMs, designing prompts, or exploring their practical applications

Our core stack is Java/ Kotlin/ Spring/ AWS/ Snowflake, and we run on Kubernetes in a cloud-native service oriented architecture. You should be comfortable developing using some or all of these technologies

You should have worked on a SOA or microservice-based application

Strong sense of ownership; driving a project from inception to completion

Pragmatic approach towards handling tech debt versus shipping new features

Experience working in a collaborative coding environment, refining designs together, working through code reviews and managing pull requests

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.