Senior Staff Software Engineer, Credit Card

The Role:

We are seeking a Senior Staff Software Engineer to join our SoFi Card team. This role plays a pivotal part in evolving the foundational platform that powers the credit lifecycle - including servicing, payments, balances, interest, fees, eventing, and integrations with internal and external cores.

You will help design and scale reusable, domain-driven services that support multiple credit products. This includes building lean, well-bounded core services (e.g., interest calculation, payment allocation, lifecycle state management) that are extensible, observable, and reliable at scale.

Given the complexity and interdependencies of credit systems - across risk, servicing, finance, and external partners - strong architectural alignment and cross-team collaboration are essential.

The ideal candidate is a hands-on technical leader who can shape long-term architectural direction across multiple teams while actively contributing to implementation. You bring strong domain intuition, thoughtful technical opinions, and the ability to balance product needs with durable platform design. You thrive in environments that require ownership, empathy, and principled trade-offs.

At SoFi, collaboration between Product, Design, Risk, Finance, and Engineering is core to how we build. You will be involved across the lifecycle - from ideation and domain modeling through implementation, deployment, operational excellence, and evolution.

What You’ll Do:

• Define and evolve the technical architecture of our credit platform, ensuring clean domain boundaries and scalable integrations.


• Design and implement foundational credit services (e.g., interest calculation, payment allocation, balance computation, lifecycle state transitions).


• Deliver highly available, scalable, and resilient services in a production environment.


• Drive event-driven architecture patterns that ensure reliable communication between credit systems and partner products.


• Ensure financial correctness, auditability, and operational resilience across our platforms.


• Lead the development, testing, and rollout of complex distributed systems.


• Mentor engineers and raise the bar for technical design, operational excellence, and domain modeling.


• Work cross-functionally to resolve technical conflicts, navigate trade-offs, and achieve alignment across squads.


• Ensure our systems remain modular, maintainable, and easy to evolve as we expand product offerings.


• Generate ideas for product and platform improvements to delight our members.

What You’ll Need:

• Bachelor’s or Master’s degree in Computer Science, Software Engineering, or related field.


• 8+ years of experience designing and implementing complex backend systems.


• Strong experience with Java / Spring / Kotlin / Python / PostgreSQL / AWS.


• Deep understanding of software architecture, domain modeling, and distributed systems.


• Experience building at-scale backend applications with high availability requirements.


• Experience designing event-driven systems (e.g., Kafka or similar technologies).


• Strong understanding of data consistency, idempotency, transactional integrity, and eventual consistency in distributed financial systems.


• Experience integrating with external systems or financial cores.


• Proven ability to influence architectural decisions across multiple teams while remaining hands-on.


• Excellent communication skills, with the ability to articulate technical trade-offs to diverse stakeholders.


• Experience with Docker, Kubernetes, CI/CD, and infrastructure-as-code (e.g., Terraform).

Nice to Have:

• Experience with credit lifecycle systems (servicing, payments, ledgering, balances, interest, or financial workflows).


• Familiarity with auditability, reconciliation, or financial reporting considerations.


• Experience building shared platform services across multiple products.


• Interest in personal finance and financial systems.