Senior Engineering Manager, Commercial Banking

Employee Applicant Privacy Notice 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: SoFi is launching a brand-new commercial banking product — and we need a Senior Engineering Manager to build and lead it. Commercial Banking is SoFi's entry into institutional commercial banking. We're building the infrastructure that lets large institutional clients in crypto, fintech, and enterprise finance manage their money at SoFi — real-time payments, multi-account treasury management, and a closed-loop settlement network that operates 24/7/365. The product you build will handle real institutional money from day one. The network you help create — SEN (SoFi Exchange Network) — could become the default settlement rail for the industry. This is a rare chance to build a new business line for a publicly traded bank , backed by SoFi's banking charter, existing payment infrastructure, and a company that moves fast. You'll shape the technical foundation, hire the team, and ship the product. What You'll Do: Build 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. Lead the Team 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. Drive Cross-Functional Delivery 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. Scale It Design systems that scale from early clients at launch to hundre