Software Engineer, Personal Loans

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Who we are:

Shape a brighter financial future with us.

Together with our members, we’re changing the way people think about and interact with personal finance.

We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The Role:

Software Engineer, Personal Loans

We are looking for a highly skilled and motivated Full Stack Software Engineer to join our Personal Loans team. In this role, you’ll play a key part in building innovative, cutting-edge technology that powers our lending platform and helps drive the future of financial services. You will work closely with a collaborative team of engineers empowered to make technical decisions that directly impact both the success of the business and the experience of our SoFi members.

As a key contributor on our team, you’ll be involved in every stage of the product lifecycle – from ideation and system architecture to implementation, testing, deployment, monitoring, and ongoing support of mission-critical systems. You will help solve a variety of technical, product, and operational challenges, providing ample opportunity for personal growth and career development. Additionally, you will mentor and guide junior engineers, fostering a culture of continuous learning and knowledge sharing.

The Personal Loans platform plays a critical role in SoFi’s growth, and you’ll have the opportunity to shape its evolution, driving the success of the product while helping to expand our customer base.

What You’ll Do:

• Utilize object-oriented programming languages to build performant and scalable backend applications within a cloud-based microservice architecture.
• Shape the technical architecture of our products.
• Own and develop technical solutions for new product requirements.
• Deliver highly available and scalable services in a production environment.
• Generate ideas for new initiatives and technologies.
• Drive operational excellence in our business processes to enhance service quality.
• Collaborate with business stakeholders, product management, operations, and peer technical teams to deliver impactful products.
• Mentor team members and foster a learning environment within the team.
• Work with our core technology stack: Java / Kotlin / React / Microservices / Spring Boot / AWS / Postgres.

What You’ll Need:

• Bachelor’s Degree with 2+ years of industry experience working with modern technologies on a full-stack team; or a Master’s Degree.
• Expertise in Java, Kotlin, Spring, MongoDB, and AWS.
• Experience with modern Java frameworks, REST APIs, and relational databases.
• Strong sense of accountability and ownership; capable of driving a project from inception to completion.
• Willingness to mentor and collaborate with others.
• Experience working in a team coding environment, refining designs together, participating in code reviews, and managing requests.
• Passionate about broadening your technical skill set, experimenting with new ideas, and teaching others.
• Effective communication skills.
• Desire to grow, learn, and collaborate with a team of engineers.

Nice to Have:

• Experience with React / Typescript / GraphQL, Kafka, Docker, Kubernetes, Spring Boot, cloud infrastructure, Terraform, and CI/CD.
• Experience with C#, .Net Framework, Windows UI libraries, and/or the Encompass desktop application and its SDK.
• Familiarity with cloud-native services, especially AWS services such as DynamoDB, RDS, Lambda, Kinesis, SQS, S3, and Athena.
• Experience with user-customizable CRM systems, especially Salesforce (flows, SOQL queries, lightning experience, and 3rd party plugins)
• Fintech, finance, or real estate industry experience.
• Experience with safe deployment practices.

What We Offer:

• A collaborative environment where product, design, and engineering work closely together.
• Opportunities to shape your personal growth and career while expanding the capabilities of the team.
• The chance to work on a wide range of challenges: technical, product, and operational.