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Fullstack 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.

Fullstack Software Engineer, Home Loans

At SoFi, we are redefining the future of finance. As a Fullstack Software Engineer on our Home Loans team, you will help build cutting-edge technology systems that support our lending business. You will collaborate with a team of engineers empowered to make technical decisions that directly impact the success of the business and our SoFi members.

On our team, we pride ourselves on the collaboration between Product, Design, and Engineering so you will be in the middle of it all – implementing new functionality, architecting our system, squashing bugs, maintaining the health of our code, and continually growing as an engineer. You will be involved in the entire product lifecycle, from ideation through building, testing, deploying, monitoring, and supporting mission-critical systems. You’ll face and solve a wide range of challenges: technical, product, and operational, shaping your personal growth and career along the way, as well as helping mold and grow the junior members of the team.

A successful Home Loans platform is instrumental in the future and success of the company, and you have the opportunity to help shape and guide that future and exponentially grow the customer base of this product.

What You’ll Do:

  • Utilize different object-oriented programming languages to build performant and scalable applications within a cloud-based microservice architecture
  • Participate in shaping the technical architecture of the products
  • Develop technical solutions for new product requirements
  • Deliver highly available and scalable services in a production environment
  • Generate ideas for new initiatives and technologies
  • Collaborate with business stakeholders, product management, operations, and peer technical teams to deliver impactful products.
  • Work with our core technology stack: React / Nextjs / Java / Kotlin / Distributed Systems / Spring Boot / AWS / Postgres / MongoDB

What You’ll Need:

  • Bachelor’s Degree in a technical field
  • 2+ years of programming experience, ideally on a modern microservice stack
  • Expertise in React, Nextjs, Typescript, GraphQL, Java / Kotlin, Spring, MongoDB, and AWS
  • Experience with modern frameworks, component-driven development, APIs, and relational databases
  • Strong sense of accountability and ownership; capable of driving a feature from inception to completion
  • Willingness to roll up your sleeves, collaborate with others, and get stuff done
  • Experience working in a team coding environment, refining designs together, working through code reviews, and managing requests
  • Passionate about broadening your technical skill set, trying out new ideas, and teaching others
  • Effective communication and ability to work independently with limited support or supervision
  • Desire to grow, learn, and collaborate with a team of engineers

Nice to Have:

  • Experience with Kafka, Docker, Kubernetes, Spring Boot, cloud infrastructure, Terraform, and CI/CD
  • Familiarity with cloud-native services, especially AWS services such as DynamoDB, RDS, Lambda, Kinesis, SQS, S3, and Athena
  • Fintech, finance, or real estate industry experience
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 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.
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.
New York applicants: Notice of Employee Rights
SoFi is committed to embracing diversity. 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 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.

Average salary estimate

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$80000K
$120000K

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What You Should Know About Fullstack Software Engineer, Home Loans, SoFi

At SoFi, we're on a mission to redefine the future of finance, and we're looking for a Fullstack Software Engineer for our Home Loans team based in Seattle, Washington. If you're passionate about building cutting-edge technology systems that have a real impact on people's lives, this is your chance to make a difference. In this dynamic role, you'll be at the center of innovation, collaborating closely with Product, Design, and Engineering to create thrilling functionalities for our lending business. You'll work across the entire product lifecycle, from brainstorming and designing solutions to testing, deploying, and maintaining our platforms. You'll tackle a variety of challenges—technical, product-related, and operational—helping both the company and your career grow. Our ideal candidate has a strong background in modern programming languages and frameworks like React, Nextjs, Java, and Kotlin, combined with a keen sense of ownership and accountability. Your daily tasks will involve shaping technical architecture, developing solutions, and delivering scalable services within our cloud-based microservices landscape. If you are eager to learn, grow, and inspire others on the team while having a significant influence on the future of our Home Loans product, we would love to hear from you. Join us at SoFi and together let's build the financial world of tomorrow!

Frequently Asked Questions (FAQs) for Fullstack Software Engineer, Home Loans Role at SoFi
What is the role of a Fullstack Software Engineer at SoFi?

As a Fullstack Software Engineer at SoFi, your primary responsibility will be to develop and maintain advanced technology systems supporting our Home Loans business. This includes collaborating with various departments, ensuring system architecture meets current needs, and delivering resilient and scalable applications.

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What skills are required for the Fullstack Software Engineer position at SoFi?

To excel as a Fullstack Software Engineer at SoFi, candidates should possess a Bachelor's Degree in a technical field along with at least 2 years of experience in programming. Proficiency in technologies like React, Java, Kotlin, and AWS is crucial, along with a solid understanding of microservices architecture.

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How does the Fullstack Software Engineer collaborate with other teams at SoFi?

In the Fullstack Software Engineer role, you'll closely collaborate with Product, Design, and other Engineering teams. This teamwork is essential for implementing new functionalities and ensuring the overall success of our lending solutions, facilitating impactful product delivery.

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What opportunities for growth exist for a Fullstack Software Engineer at SoFi?

At SoFi, Fullstack Software Engineers have abundant opportunities for professional growth. You'll engage in various challenges that enhance your technical skills, mentor junior team members, and contribute to innovative projects that directly shape the company's success in the financial industry.

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What is the work environment like for a Fullstack Software Engineer at SoFi?

The work environment for Fullstack Software Engineers at SoFi is vibrant and collaborative. You'll find yourself surrounded by passionate individuals who encourage learning and innovation, providing a supportive setting perfect for cultivating your professional skills while making a significant impact.

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Common Interview Questions for Fullstack Software Engineer, Home Loans
Can you describe your experience with cloud-based microservices?

When answering this question, highlight your hands-on experience in designing, developing, and deploying microservices within a cloud environment. Detail specific projects where you implemented microservices architecture and discuss your familiarity with relevant tools and technologies.

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How do you handle bug fixing and troubleshooting in your code?

Explain your systematic approach to debugging, including using logging, understanding error messages, and unit testing. Provide examples of past challenges and how your problem-solving skills led to effective resolutions.

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What tools and technologies have you used for version control?

Discuss your experience with version control systems, particularly Git. Explain how you manage merges, branches, and pull requests, and maybe offer a brief story about a time this helped you collaborate with your team effectively.

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How do you ensure the scalability of the applications you develop?

Describe your strategies for building scalable applications, such as implementing microservices, using appropriate database solutions, and optimizing algorithms. Provide examples from past work where you successfully scaled applications to meet growing user demands.

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Can you give an example of how you have worked collaboratively on a project?

Share specific details about a project where teamwork was key. Discuss your communication strategies, how you gathered feedback from different roles, and how collaboration led to a successful outcome.

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What is your approach to learning new technologies and mentoring others?

Express your passion for continuous learning and how you keep up with industry trends. Discuss any instances where you successfully mentored junior engineers, sharing your experience in helping them grow their skill sets.

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How do you prioritize your work when faced with multiple tight deadlines?

Talk about your time management and prioritization strategies, perhaps mentioning how you assess the urgency and importance of tasks. Provide an example of a time you effectively managed competing priorities to deliver on time.

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In your opinion, what are the key advantages of using React for frontend development?

Discuss the benefits of React, such as its component-based structure, flexibility, and community support. Provide examples of projects where React allowed you to create efficient and engaging user interfaces.

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What methodologies do you follow in your development practices?

Mention methodologies you've applied, like Agile or Scrum. Discuss how you participate in sprints, stand-ups, and feedback loops while collaborating with your team to enhance development efficiency.

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How do you approach testing in your software development process?

Describe your testing practices, whether automated or manual. Mention specific testing frameworks you utilize, and share examples of how testing has improved the code quality and user experience in your previous projects.

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SoFi helps people achieve financial independence to realize their ambitions.

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Full-time, on-site
DATE POSTED
April 23, 2025

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