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:

So Fi is seeking a Principal Engineer to lead the technical and architectural evolution of our Member Growth platforms — the systems that power member acquisition and engagement for every product across the company.

Key contributions of this role include:

• Architect agentic and AI-driven systems; define evaluation strategy and drive quality, safety, and compliance of AI workflows in a regulated environment.
• Define and drive long-term architectural direction across Member Growth platforms: campaign automations, communications, marketing data, and web/mobile acquisition.
• Lead cross-organizational platform convergence — building shared primitives that multiple product lines consume while preserving each team’s flexibility.
• Identify and resolve systemic technical problems across teams; drive alignment to deliver on business and strategic goals.
• Raise engineering maturity:

design review rigor, operational standards, and mentorship loops that develop senior ICs into technical leaders.

• Collaborate with Product, Marketing, Data Science, Business, Legal, and Compliance to align technology strategy with short and long-term goals.

What You’ll Do

• Architect the next generation of Campaign Automations platform — AI-driven targeting, personalization, and customer journey orchestration at scale.
• Design the unified communications architecture for member engagement at scale with compliance-grade correctness.
• Define the evaluation strategy and drive quality, reliability, safety, and observability of AI-driven workflows in a regulated financial environment.
• Lead cross-organizational platform convergence — shared architectural primitives across organizations with different stacks and competing priorities.
• Establish operational integrity standards: automated verification, reconciliation mechanisms, and self-healing infrastructure that prove these platforms are correct.
• Prototype and ship using AI tools; push the team toward AI-native engineering practices.
• Build engineering culture: rigorous design reviews, clear standards, incident-to-prevention feedback loops, and mentoring senior engineers into technical leaders.

What You’ll Need

• Bachelor’s or Master’s in Computer Science, Software Engineering, or equivalent.
• 10+ years software engineering experience, including 8+ years in technical leadership driving cross-team strategy.
• Deep expertise in event-driven, high-scale distributed systems — failure modes, consistency tradeoffs, reconciliation, and compliance-grade audit trails.
• Proven cross-team technical leadership tied to business goals; exemplary communication and executive-level representation skills.
• Hands-on technical leadership who is willing to roll up your sleeves to design, prototype, and ship critical features in production.
• Proficient in Java, Kotlin, or Go; hands-on with Kafka, Docker, Kubernetes, and Spring Boot or similar.
• Experience with public cloud infrastructure (AWS preferred); strong fundamentals in relational and document databases, microservices, and high-availability design.

Nice To Have

• Experience building marketing, advertising, or communications platforms — multi-tenant or consumer-facing at scale.
• Experience handling data at scale: event processing, storage, and querying for hundreds of millions of events and attributes per day.
• Experience building production AI agents or LLM-powered platforms — orchestration, evals, retrieval/grounding (RAG), and guardrails for regulated environments.
• Experience in financial services or regulated industries where compliance and data integrity are architectural requirements.
• Track record of platform convergence: unifying infrastructure across acquisitions, subsidiaries, or organizations with different technical stacks.

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](https: //sofietyinfo.sofi.com/sofi-benefits) 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.