Senior Fullstack Software Engineer, Home Loans

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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.
Who we are
SoFi is a digital personal finance company whose mission is to help its members achieve financial independence to realize their ambitions, whether that be to buy a house one day, start a family on their own terms or be debt free. We aim to be at the center of our members' financial lives, and to help every member Get Their Money Right. By joining SoFi, you'll become part of a forward-thinking company that is transforming financial services by embracing technology to build innovative loan products, investment tools, and more. One of the fastest growing fintech companies, we've grown from 250 employees in 2015 to over 3,000 employees today, with over 5 million members. With offices across the US, we offer the excitement of a rapidly growing startup with the stability of a seasoned management team and some of the best talent around. As an employer, we strive to hire employees who are committed to both our company's mission and our desire to build the best culture in the world. If you are driven, passionate about what you do, and excited about the SoFi mission, we would love to hear from you.
About the Team:
Our team empowers individuals and families to achieve their homeownership dreams by offering a comprehensive range of mortgage products, personalized financial guidance, and a seamless digital experience. You will be at the heart of our technology efforts. You will implement new functionality, resolve bugs, maintain the health of our codebase, and continuously grow as an engineer. You will work closely with marketing, pricing, data science, and risk analytics to deliver solutions that position us as market leaders in decision-making and speed.
The Role:
We are seeking a highly skilled and motivated Senior Software Engineer - Full Stack to join our Home Loans team. In this role, you will help build cutting-edge technology systems that support our lending business. You will collaborate with a team of engineers empowered to make technical decisions that directly impact the success of the business and our SoFi members.
What You'll Do:
Utilize object-oriented programming languages to build performant and scalable backend applications within a cloud-based microservice architecture.

Own and develop technical solutions for new product requirements.

Deliver highly available and scalable services in a production environment.

Generate ideas for new initiatives and technologies.

Drive operational excellence in our business processes to enhance service quality.

Collaborate with business stakeholders, product management, operations, and peer technical teams to deliver impactful products.

Work with our core technology stack: Java / Kotlin / Microservices / Spring Boot / AWS / MongoDB.

What You'll Need:
Bachelor's Degree in a technical field.

4+ years of programming experience, ideally on a modern microservice stack.

Expertise in Java, Kotlin, Spring, MongoDB, and AWS.

Experience with modern Java frameworks, REST APIs, and relational databases.

Strong sense of accountability and ownership; capable of driving a project from inception to completion.

Willingness to mentor and collaborate with others.

Experience working in a team coding environment, refining designs together, participating in code reviews, and managing requests.

Passionate about broadening your technical skill set, experimenting with new ideas, and teaching others.

Effective communication skills.

Desire to grow, learn, and collaborate with a team of engineers.

Nice to Have:
Experience with React / Typescript / GraphQL, Kafka, Docker, Kubernetes, Spring Boot, cloud infrastructure, Terraform, and CI/CD.

Experience with C#, .Net Framework, Windows UI libraries, and/or the Encompass desktop application and its SDK.

Familiarity with cloud-native services, especially AWS services such as DynamoDB, RDS, Lambda, Kinesis, SQS, S3, and Athena.

Experience with user-customizable CRM systems, especially Salesforce (flows, SOQL queries, lightning experience, and 3rd party plugins)

Fintech, finance, or real estate industry experience.

Experience with safe deployment practices.

What We Offer:
A collaborative environment where product, design, and engineering work closely together.

Opportunities to shape your personal growth and career while expanding the capabilities of the team.

The chance to work on a wide range of challenges: technical, product, and operational.

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 comprehensiveand competitivebenefits, visit our Benefits at SoFi page!
SoFi 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
SoFi is committed to embracing diversity. As part of this commitment, SoFi 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 [email protected].
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.