Social Finance, Inc. (SoFi)
Senior Staff Engineer, Underwriting
Social Finance, Inc. (SoFi), Cottonwood Heights, Utah, United States
The Role
We are seeking a Senior Staff Software Engineer for our Underwriting Platform team, responsible for managing risk and pricing for our lending and credit card businesses. This role is ideal for someone who thrives on writing code, solving hard engineering problems, and scaling critical platforms—while also setting technical direction and mentoring others. This is a deeply hands-on role: while you will influence architecture and lead across teams, your impact will be driven by actively building systems, writing production code, and driving critical projects from inception to launch. You will be a top-level contributor who leads by doing. What You’ll Do
Hands-on Engineering Write production-grade, scalable backend code using Kotlin, Spring Boot, and modern frameworks. Debug and resolve complex systems issues in high-scale, real-time services. Develop APIs, services, and platform infrastructure. Drive hands-on delivery of critical projects. Technical Leadership & Strategy Architect platform-level services and improve systems for resilience, observability, and extensibility. Make high-leverage engineering decisions that balance speed, quality, and maintainability. Raise the bar on engineering quality through hands-on contributions, design reviews, and technical mentorship. Team Collaboration & Mentorship Partner with product, design, operations, and other engineering teams to build solutions that deliver business value and customer impact. Contribute to cross-functional platform efforts. Drive alignment on technical strategy and execution, with strong written and verbal communication. What You’ll Need
Bachelor's or Master's degree in Computer Science, Software Engineering 8+ years experience as a software engineer, designing and implementing complex software solutions. Experience with Java / Spring / Kotlin / PostgreSQL / AWS. Expertise with any modern Java frameworks, REST APIs, and relational databases. Deep understanding of software architecture, design patterns, and best practices for building scalable and robust applications. Proven experience in leading and mentoring engineering teams, promoting technical excellence and collaboration. Excellent communication and interpersonal skills, with the ability to effectively communicate technical concepts to diverse audiences. Experience with Kafka, Docker, Kubernetes, Spring Boot, cloud infrastructure, and CI/CD. Nice to have
Experience in financial services or fintech. Experience with Temporal, gRPC, Docker, and Terraform. Exposure to data analytics or machine learning platforms. Familiarity with front-end technologies such as React. 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
page! Pay range: $172,800.00 - $297,000.00 Payment frequency: Annual This role is also eligible for a bonus, long term incentives and competitive benefits. More information about our employee benefits can be found in the link above. 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. Policies and Compliance
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. SoFi is committed to an inclusive culture. 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 accommodations@sofi.com. Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time. Internal Applicants
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. Legal and Privacy
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 696891.
www.nmlsconsumeraccess.org To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. We use pixels and other tracking technologies to collect your information and actions to enhance site navigation, personalize content, analyze site usage, and assist in marketing efforts. We share this information with social media, advertising, and analytics partners. If you do not make a selection, you agree to our use of these technologies. Privacy Policy Privacy Preference Center
Switch Label label Switch Label label When you opt out, we will not sell/ share your personal information with third parties to provide you with more relevant advertisements across other websites, platforms, and applications. For more information, visit https://www.sofi.com/online-privacy-policy/
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We are seeking a Senior Staff Software Engineer for our Underwriting Platform team, responsible for managing risk and pricing for our lending and credit card businesses. This role is ideal for someone who thrives on writing code, solving hard engineering problems, and scaling critical platforms—while also setting technical direction and mentoring others. This is a deeply hands-on role: while you will influence architecture and lead across teams, your impact will be driven by actively building systems, writing production code, and driving critical projects from inception to launch. You will be a top-level contributor who leads by doing. What You’ll Do
Hands-on Engineering Write production-grade, scalable backend code using Kotlin, Spring Boot, and modern frameworks. Debug and resolve complex systems issues in high-scale, real-time services. Develop APIs, services, and platform infrastructure. Drive hands-on delivery of critical projects. Technical Leadership & Strategy Architect platform-level services and improve systems for resilience, observability, and extensibility. Make high-leverage engineering decisions that balance speed, quality, and maintainability. Raise the bar on engineering quality through hands-on contributions, design reviews, and technical mentorship. Team Collaboration & Mentorship Partner with product, design, operations, and other engineering teams to build solutions that deliver business value and customer impact. Contribute to cross-functional platform efforts. Drive alignment on technical strategy and execution, with strong written and verbal communication. What You’ll Need
Bachelor's or Master's degree in Computer Science, Software Engineering 8+ years experience as a software engineer, designing and implementing complex software solutions. Experience with Java / Spring / Kotlin / PostgreSQL / AWS. Expertise with any modern Java frameworks, REST APIs, and relational databases. Deep understanding of software architecture, design patterns, and best practices for building scalable and robust applications. Proven experience in leading and mentoring engineering teams, promoting technical excellence and collaboration. Excellent communication and interpersonal skills, with the ability to effectively communicate technical concepts to diverse audiences. Experience with Kafka, Docker, Kubernetes, Spring Boot, cloud infrastructure, and CI/CD. Nice to have
Experience in financial services or fintech. Experience with Temporal, gRPC, Docker, and Terraform. Exposure to data analytics or machine learning platforms. Familiarity with front-end technologies such as React. 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
page! Pay range: $172,800.00 - $297,000.00 Payment frequency: Annual This role is also eligible for a bonus, long term incentives and competitive benefits. More information about our employee benefits can be found in the link above. 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. Policies and Compliance
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. SoFi is committed to an inclusive culture. 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 accommodations@sofi.com. Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time. Internal Applicants
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. Legal and Privacy
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 696891.
www.nmlsconsumeraccess.org To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. We use pixels and other tracking technologies to collect your information and actions to enhance site navigation, personalize content, analyze site usage, and assist in marketing efforts. We share this information with social media, advertising, and analytics partners. If you do not make a selection, you agree to our use of these technologies. Privacy Policy Privacy Preference Center
Switch Label label Switch Label label When you opt out, we will not sell/ share your personal information with third parties to provide you with more relevant advertisements across other websites, platforms, and applications. For more information, visit https://www.sofi.com/online-privacy-policy/
#J-18808-Ljbffr