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 Youll 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 Youll Need:

• Bachelors or Masters 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.

Required Experience:

Staff IC