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.

We are seeking a Senior Software 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.

What You'll Do:

• Lead the development and testing of system components/services, code and design reviews

• Participate in shaping the technical architecture of the product

• Help translate user stories into technical solutions

• Deliver highly available and scalable services in a production environment

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

• Generate ideas for new initiatives and technologies

• Communicate with project leads, product managers and other software developers

What You'll Need:

• 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

• 5+ years programming experience, ideally on a modern stack

• Our core stack is Kotlin / Spring / Elixir / PostgreSQL, but you don't have to be an expert in any of these. 4+ years programming experience in similar technologies and an understanding of relational databases and ORMs suffices

• Willingness to roll up your sleeves, collaborate with others and get stuff done

• Strong sense of responsibility; driving a project from inception to completion

• Affinity for solving problems and shipping impactful features, not polishing perfect code or architecture

• Experience working in a collaborative coding environment (and git specifically), refining designs together, writing tests, working through code reviews and managing pull requests

Nice to Haves:

• Understanding of blockchain fundamentals and distributed ledger technologies

• Hands-on experience working with digital assets (e.g., Bitcoin, Ethereum, stablecoins)

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

• Knowledge of crypto-specific regulatory environments (e.g., SEC, CFTC, MiCA, etc.)

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

• Experience integrating with or building services using crypto infrastructure providers (e.g., Fireblocks, Bitgo, 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

• Comfort with cryptographic concepts such as wallets, keys, and signatures

• 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.