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SoFi is seeking a Staff Software Engineer to join a high-impact team at the intersection of traditional finance and the future of digital assets. We are building the next generation of institutional infrastructure, bridging the gap between our brand-new Commercial Banking suite and our re-entry into the Crypto space.
On this team, you will be architecting the foundation for SEN (SoFi Exchange Network)—a 24/7/365 closed-loop settlement network designed to serve large institutional clients in crypto, fintech, and enterprise finance. You will be in the middle of it all: implementing real-time payment rails, multi-account treasury management, and secure crypto custody solutions.
The ideal candidate is both a visionary architect and a hands-on builder. At SoFi, we pride ourselves on the collaboration between Product, Design, and Engineering. You will be involved in the entire product lifecycle—from ideation and shaping a new business line to deploying scalable services that handle institutional money from day one.
What You’ll DoArchitect & Build: Lead the development of highly available, scalable services for institutional banking and crypto investing, transfers, and settlement.
Bridge Ecosystems: Work on the infrastructure that allows institutional clients to manage fiat and digital assets seamlessly within the SoFi ecosystem.
Collaborate: Partner closely with Product and Business stakeholders to gather requirements and design solutions that align with both technical constraints and aggressive project timelines.
Lead & Mentor: Shape the technical culture, conduct design reviews, and mentor other engineers to help grow this brand-new business unit.
Drive Innovation: Generate ideas for new initiatives, leveraging SoFi’s banking charter to create industry-leading settlement rails.
Own the Lifecycle: Manage projects from inception through deployment, ensuring the health, security, and performance of the codebase.
Education: Bachelor’s degree in Computer Science or a related technical field.
Experience: 8+ years of programming experience, ideally on a modern stack.
Technical Proficiency: Our core stack is Kotlin / Spring / Elixir / PostgreSQL. You don’t need to be an expert in all of them, but you should have 6+ years in similar technologies and a deep understanding of relational databases.
Execution Mindset: A strong sense of ownership and a drive for delivery. We value shipping impactful features over polishing "perfect" code in a vacuum.
Collaborative Spirit: Experience working in a modern dev environment (Git, PR workflows) and a willingness to roll up your sleeves to get the job done.
Problem Solving: An affinity for solving complex distributed systems problems, particularly those involving high-stakes financial transactions.
Crypto Expertise: Understanding of blockchain fundamentals, distributed ledger technology (DLT), and hands-on experience with digital assets (Bitcoin, Ethereum, Stablecoins).
Institutional Finance: Familiarity with commercial banking operations, including custody, settlement, clearing, and treasury management.
Domain Knowledge: Awareness of crypto-specific regulatory environments (SEC, CFTC, MiCA) and experience with infrastructure providers like Fireblocks, Zero Hash, or Anchorage.
Network Effects: Experience building or integrating with real-time payment networks (RTW, FedNow) or exchange settlement networks.
Security: Comfort with cryptographic concepts such as wallets, key management, and digital signatures.
SoFi San Francisco, California, USA Office
Our new headquarters opened in 2019. The office provides an open work environment, an all-hands area, a café, library, coffee points on every floor, and executive conference rooms. The game room and roof-top lounge area provide space to take a break and look at the incredible downtown view.
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