Staff Software Engineer, AI Financial Actions & Recommendations

We are seeking a Staff Software Engineer to join the AI Financial Actions & Recommendations team at SoFi. This team is building the intelligence layer that powers SoFis Financial AI Agent turning member goals and financial data into trusted actionable recommendations and seamless execution opportunities across the SoFi ecosystem. You will have the opportunity to design and build a high-impact service from the ground up shaping the architecture and systems that connect financial guidance to real-world action. This role will work at the forefront of Generative AI integrating with SoFis Financial AI Agent to deliver intelligent context-aware and compliant experiences that help members take confident financial steps.

The ideal candidate is collaborative product-minded and pragmatic with a strong sense of ownership and accountability for the quality of both the code and finished product. At SoFi we pride ourselves on the collaboration between Product Design and Engineering and so you will be involved in the entire product lifecycle from ideation through building deploying and continual improvement and evolution. We also pride ourselves on a philosophy of continuous learning and you should likewise be committed to furthering your own career growth as well as to providing mentorship for your fellow team members.

What youll do:

• Drive technical architecture design decisions and cross-functional discussions for the product
• Deliver highly available and scalable services in a production environment
• Lead the design development and testing of systems
• Lead code and system design reviews
• Help translate product requirements into user stories and technical solutions
• Mentor other engineers support the technical culture and help grow the team
• Generate ideas for new initiatives and technologies
• Communicate with project leads product managers and other software developers
• Consistently demonstrate extremely high levels of technical knowledge ingenuity and creativity. Develop and apply advanced technologies engineering principles theories and concepts. Broad knowledge about the design and operation of systems outside of specialty
• Take initiative and produce timely results in a fast-paced and sometimes ambiguous environment

What youll need:

• Bachelors Degree ideally in a technical field but we understand great engineers come from all sorts of different backgrounds and also consider relevant work experience
• 6 years programming experience ideally on a modern stack
• Our core stack is Kotlin / Spring / PostgreSQL and we run on Kubernetes in a service oriented architecture with over 100 services in production.
• You should have 4 years Java or Kotlin programming experience
• You should have a strong understanding of relational databases and ORMs
• You should have worked on a SOA or microservice-based application
• Experience working with asynchronous systems and event based systems (queues streams)
• Experience working with applications that leverage Large Language Models (LLMs) such as integrating LLMs designing prompts or exploring their practical applications.
• Strong sense of ownership; driving a project from inception to completion
• Pragmatic approach towards handling tech debt versus shipping new features
• Experience working in a collaborative coding environment refining designs together working through code reviews and managing pull requests

Nice to have:

• Experience working with various emerging LLM technologies including Retrieval-Augmented Generation (RAG) prompt engineering or AI agents.
• Experience with Natural Language Processing (NLP) or conversational AI including building chatbots virtual assistants or similar systems.
• Experience scaling highly available mission critical systems
• Full-stack experience across Backend and Front-end (javascript/typescript react)

Required Experience:

Staff IC