Senior Engineering Manager, Commercial Banking

SoFi is launching a brand-new commercial banking product — and we need a Senior Engineering Manager to build and lead it.

• →Lead the architecture and delivery of SoFi's commercial banking product — API Gateway, payment orchestration, client onboarding, and the services that power the client-facing experience.
• →Own the end-to-end client onboarding orchestrator: a stateful workflow engine that provisions entities, bank accounts, entitlements, payment rails, limits, and pricing — across sandbox and production environments.
• →Drive the design and implementation of the SoFi Exchange Network (SEN) — a real-time, 24/7/365 closed-loop payment network enabling instant settlement between SoFi commercial clients.
• →Build enterprise-grade identity, RBAC, and maker/checker approval systems that support complex organizational structures (CFOs, treasury managers, analysts, auditors — each with scoped account access, per-rail permissions, and configurable payment limits).
• →Deliver a production-quality sandbox environment that allows institutional clients to integrate and test against realistic simulations of every payment rail.

• Recruit, mentor, and grow a high-performing engineering team.
• Set technical direction and engineering standards — code quality, system design, observability, incident response.
• Drive execution with well-defined sprints, clear deliverables, and tight feedback loops.
• Create a culture of ownership where engineers think beyond their pull requests — understanding the business impact of every payment that flows through the system.

• Partner directly with Product, Design, Compliance (AML/KYB), Risk, Treasury, and Bank Operations to deliver a product that meets both client needs and regulatory requirements.
• Coordinate across engineering teams at SoFi to integrate Commercial Banking into SoFi's broader banking infrastructure — identity, entitlements, accounts, payments, and core banking systems.
• Influence and shape the end-to-end client experience, working closely with partners across the product and design organizations.
• Own the technical relationship with early clients during onboarding, sandbox integration, and production go-live. You'll be in the room when the first wire clears.
• Define and execute the go-live readiness process: functional validation, security review, ops runbook, monitoring, and formal sign-off across Engineering, Operations, and the client.

• Design systems that scale from early clients at launch to hundreds — with the onboarding orchestrator, payment processing, and operational tooling to support that growth.
• Establish the operational workflows that SoFi Ops will use to manage Commercial Banking clients at scale (account views, payment rail dashboards, error resolution, compliance and regulatory workflows).
• Build the billing and revenue infrastructure, including monthly reporting and reconciliation.

• 10+ years of software engineering experience, with at least 4 years in engineering management leading teams of software engineers.
• Strong distributed systems skills — you can design services, define API contracts, and reason about consistency, idempotency, and failure modes in complex workflows.
• Strong technical expertise — you can evaluate architecture proposals, engage in design reviews, and hold the team to a high engineering bar. Familiarity with JVM-based stacks (Kotlin or Java, Spring Boot) and modern infrastructure (Kubernetes, AWS/GCP, CI/CD) is a plus.
• Track record of zero-to-one product delivery — you've shipped a new product from concept to production with real users.
• Experience with enterprise identity and access management — RBAC, OAuth2, multi-tenant authorization, and approval workflows.
• Strong cross-functional leadership — you can drive alignment across Product, Design, Compliance, Risk, and Operations without needing a VP to clear the path.
• Excellent communication skills — you'll present to executives, write technical design documents, and explain system tradeoffs to non-technical stakeholders.

• Experience building financial systems — payments, ledger, treasury, banking, or fintech where correctness, auditability, and reliability are non-negotiable.
• Experience building real-time payment systems (FedWire, FedNow, RTP, ACH origination) or settlement networks.
• Background in commercial or institutional banking (treasury management, FBO/omnibus accounts, correspondent banking).
• Experience with crypto-adjacent financial infrastructure — custodian banking, exchange settlement, stablecoin operations.
• Familiarity with AML/KYB compliance workflows, sanctions screening (OFAC), and transaction monitoring in a regulated banking environment.
• Experience building developer-facing products — API gateways, developer portals, sandbox environments, webhook infrastructure.

Prior work with workflow orchestration engines (Temporal, Cadence, Step Functions) for long-running stateful processes.