Senior Software Engineer, Home 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.

This role requires you to be located in Helena, MT

Senior Software Engineer, Home Loans

At SoFi, we are redefining the future of finance. As a Senior Frontend Engineer on the Home Loans team, you’ll play a key role in building and optimizing our lending experience, focusing on a scalable, performant, and maintainable frontend platform. You will work closely with product, design, and backend teams to develop modular, reusable components and ensure a seamless experience for our customers.

We are looking for an experienced frontend engineer with expertise in Next.js, React, and TypeScript, a strong understanding of frontend performance optimizations, and a passion for delivering high-quality, accessible user experiences.

If you are excited about composable architectures, frontend design patterns, and collaborating on system-wide improvements, we’d love to hear from you!

This role requires physical presence in Helena, MT. This is not open to a remote option.

What You’ll Do:

• Develop and maintain scalable, high-performance frontend applications.
• Build modular, reusable UI components that support a component-driven and configuration-based architecture.
• Collaborate with backend engineers, PMs, and designers to ensure well-structured APIs, seamless data fetching, and optimized frontend-backend communication.
• Implement frontend performance optimizations, including lazy loading, caching strategies, and Lighthouse/Core Web Vitals improvements.
• Write clean, maintainable code emphasizing testing, including unit, integration, and E2E tests.
• Work closely with design teams to integrate and maintain a design system with a strong focus on accessibility (a11y) and user experience.
• Participate in code reviews, technical discussions, and architectural planning to improve team-wide frontend best practices.
• Stay updated with the latest frontend technologies and contribute to a culture of continuous learning and improvement.

What You’ll Need:

• 5+ years of experience in frontend development using modern JavaScript/TypeScript frameworks.
• Strong expertise in Next.js and React, with a deep understanding of client-side rendering (CSR), server-side rendering (SSR), static site generation (SSG), and hybrid rendering strategies.
• Experience with state management tools like Zustand, Redux Toolkit, Recoil, or React Query.
• Knowledge of frontend performance optimization techniques, including code splitting, asset preloading, lazy loading, and caching strategies.
• Hands-on experience integrating with backend services using REST, GraphQL, WebSockets, or event-driven architectures.
• Familiarity with frontend testing strategies, including unit tests, integration tests, and E2E testing (Jest, Cypress, Playwright).
• Strong understanding of design system integration and accessibility best practices (WCAG, ARIA standards).
• Proficiency in frontend build systems and tooling (Webpack, Vite, CI/CD pipelines).
• Excellent problem-solving skills and ability to collaborate with cross-functional teams.

Nice to Have:

• Experience working with mobile WebView integration to enable a unified cross-platform UX.
• Exposure to DevOps practices such as containerized deployments (Docker, Kubernetes) and cloud platforms like AWS (S3, Lambda, CloudFront).
• Background in financial services, lending platforms, or credit decisioning workflows.

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!

SoFi provides equal employment op