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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 is launching a brand-new commercial banking product — and we need a Senior Engineering Manager to build and lead it.

Commercial Banking is So Fi's entry into institutional commercial banking. We're building the infrastructure that lets large institutional clients in crypto, fintech, and enterprise finance manage their money at So Fi — real-time payments, multi-account treasury management, and a closed-loop settlement network that operates 24/7/365. The product you build will handle real institutional money from day one. The network you help create — SEN (So Fi Exchange Network) — could become the default settlement rail for the industry.

This is a rare chance to build a new business line for a publicly traded bank, backed by So Fi's banking charter, existing payment infrastructure, and a company that moves fast. You'll shape the technical foundation, hire the team, and ship the product.

What You'll Do:

Build It

• Lead the architecture and delivery of So Fi's commercial banking product — API Gateway, payment orchestration, client onboarding, and the services that power the client-facing experience.

• Own the end-to-end client onboarding orchestrator: a stateful workflow engine that provisions entities, bank accounts, entitlements, payment rails, limits, and pricing — across sandbox and production environments.

• Drive the design and implementation of the So Fi Exchange Network (SEN) — a real-time, 24/7/365 closed-loop payment network enabling instant settlement between So Fi commercial clients.

• Build enterprise-grade identity, RBAC, and maker/checker approval systems that support complex organizational structures (CFOs, treasury managers, analysts, auditors — each with scoped account access, per-rail permissions, and configurable payment limits).

• Deliver a production-quality sandbox environment that allows institutional clients to integrate and test against realistic simulations of every payment rail.

Lead the Team

• Recruit, mentor, and grow a high-performing engineering team.

• Set technical direction and engineering standards — code quality, system design, observability, incident response.

• Drive execution with well-defined sprints, clear deliverables, and tight feedback loops.

• Create a culture of ownership where engineers think beyond their pull requests — understanding the business impact of every payment that flows through the system.

Drive Cross-Functional Delivery

• Partner directly with Product, Design, Compliance (AML/KYB), Risk, Treasury, and Bank Operations to deliver a product that meets both client needs and regulatory requirements.

• Coordinate across engineering teams at So Fi to integrate Commercial Banking into So Fi's broader banking infrastructure — identity, entitlements, accounts, payments, and core banking systems.

• Influence and shape the end-to-end client experience, working closely with partners across the product and design organizations.

• Own the technical relationship with early clients during onboarding, sandbox integration, and production go-live. You'll be in the room when the first wire clears.

• Define and execute the go-live readiness process: functional validation, security review, ops runbook, monitoring, and formal sign-off across Engineering, Operations, and the client.

Scale It

• Design systems that scale from early clients at launch to hundreds — with the onboarding orchestrator, payment processing, and operational tooling to support that growth.

• Establish the operational workflows that So Fi Ops will use to manage Commercial Banking clients at scale (account views, payment rail dashboards, error resolution, compliance and regulatory workflows).

• Build the billing and revenue infrastructure, including monthly reporting and reconciliation.

What You'll Need:

• 10+ years of software engineering experience, with at least4 years in engineering management leading teams of software engineers.

• Strong distributed systems skills — you can design services, define API contracts, and reason about consistency, idempotency, and failure modes in complex workflows.

• Strong technical expertise — you can evaluate architecture proposals, engage in design reviews, and hold the team to a high engineering bar. Familiarity with JVM-based stacks (Kotlin or Java, Spring Boot) and modern infrastructure (Kubernetes, AWS/GCP, CI/CD) is a plus.

• Track record of zero-to-one product delivery — you've shipped a new product from concept to production with real users.

• Experience with enterprise identity and access management — RBAC, OAuth2, multi-tenant authorization, and approval workflows.

• Strong cross-functional leadership — you can drive alignment across Product, Design, Compliance, Risk, and Operations without needing a VP to clear the path.

• Excellent communication skills — you'll present to executives, write technical design documents, and explain system tradeoffs to non-technical stakeholders.

Nice to Have:

• Experience building financial systems — payments, ledger, treasury, banking, or fintech where correctness, auditability, and reliability are non-negotiable.

• Experience building real-time payment systems (Fed Wire, Fed Now, RTP, ACH origination) or settlement networks.

• Background in commercial or institutional banking (treasury management, FBO/omnibus accounts, correspondent banking).

• Experience with crypto-adjacent financial infrastructure — custodian banking, exchange settlement, stablecoin operations.

• Familiarity with AML/KYB compliance workflows, sanctions screening (OFAC), and transaction monitoring in a regulated banking environment.

• Experience building developer-facing products — API gateways, developer portals, sandbox environments, webhook infrastructure.

Prior work with workflow orchestration engines (Temporal, Cadence, Step Functions) for long-running stateful processes.

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.