---
title: 'Principal Product Manager, Core Banking at SoFi'
canonical: 'https://feeny.ai/job/principal-product-manager-core-banking-sofi-new-york-2tabt3tnx69d'
type: 'job'
last_seen: '2026-09-10'
---

# Principal Product Manager, Core Banking at SoFi

- **Company:** SoFi
- **Location:** New York, NY
- **Posted:** 2026-07-29
- **Last confirmed live:** 2026-09-10
- **Apply:** https://sofi.com/careers/job/7819817003?gh_jid=7819817003

## Job description

[Employee Applicant Privacy Notice](https://www.sofi.com/sofi-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

We are looking for a Principal Product Manager to drive product strategy and product management across the Core Banking domain and to own the most complex, cross-functional core related initiatives. This is a senior individual-contributor role: you set direction, connect product strategy to the platform's technical strategy, and deliver measurable outcomes in partnership with engineering.

You will operate with a high degree of autonomy, sponsoring pre-consensus bets with a written thesis, setting operating rhythms for the Core PM group, and influencing VP/SVP stakeholders through documented trade-offs. You will be an authority on how a core banking system actually works — down to posting logic — and pair that with strong traditional product-management judgment across pricing, risk, product performance, compliance, legal, GTM, and partnerships.

## What you’ll do

- With your PM colleagues, own and drive product strategy and roadmap across multiple Core domains (e.g., deposits, postings/ledger, product factory, transactions) and the end-to-end core product.
- The most complex cross-company initiatives — including core conversion enablement and US market-expansion capabilities.
- Connecting product strategy to org-level technical strategy; anchoring build vs. buy vs. partner.
- Product GTM with measurable outcomes and documented reviews, in partnership with Marketing, Sales, Ops, and client teams.
- Operating models and planning frameworks for the Core PM group; standards and playbooks other PMs build on.
- Regulatory posture and responsible-AI principles embedded into the Core product.

Product Strategy & Roadmapping

- With your PM colleagues define and own multi-domain product strategy and the multi-quarter roadmap for Core Banking.
- Translate business, regulatory, and client needs into clear product outcomes; frame problems others haven't yet articulated.
- Conduct appropriate research and synthesize findings.
- Make informed trade-offs across speed, quality, scalability, and regulatory requirements.

Delivery & Execution

- Partner with Engineering Managers on prioritization, sequencing, planning, and dependency management across teams and squads.
- Set operating rhythms and planning frameworks; remove cross-team hurdles and drive quality and velocity improvements.
- Maintain a coherent, prioritized product direction as priorities shift.

Stakeholder & Client Collaboration

- Act as the senior product interface for business, operations, compliance, risk, legal, and technology stakeholders.
- Influence VP/SVP decisions through documented prioritization and signed trade-offs (timeline, risk, cost).
- Represent the Core product with external banking clients and internal SoFi Bank partners.

Technical & Platform Leadership

- Apply posting-logic-level understanding of core banking (accounts, double-entry ledger, postings, interest, product catalog, batch vs. real-time).
- Challenge business architectural assumptions at the system and cross-org level; prevent unnecessary complexity and maintenance burden.
- Ensure the Core product meets the requirements of US-chartered banking entities.

## What you’ll need

- Bachelor's degree in computer science or relevant field
- Deep, hands-on understanding of the inner workings of a core banking system — ideally at the posting-logic / double-entry ledger level.
- A track record of building or product-managing a core banking product itself (a platform/vendor perspective) — as opposed to running core conversion or transformation programs inside a bank.
- Strong traditional product-management background across several of: pricing, risk, compliance, product performance, legal, communication, partnering, and go-to-market.
- A very good understanding of the US banking market and its regulatory environment.
- 10+ years of professional experience, with significant time in Product Management for complex, regulated technology platforms.
- Demonstrated ability to drive strategy across multiple product areas and lead the most complex cross-functional initiatives with a high degree of autonomy.
- Excellent written and verbal communication in English; able to shape company-level product communication and executive-ready written theses.

## Nice to have

- LatAm core banking exposure and/or Spanish-language proficiency.
- Experience with modern, API-first, cloud-native core platforms and microservices architectures.
- Familiarity with the competitive landscape (e.g., Thought Machine, 10x, Mambu, Finxact, FIS, Fiserv, Jack Henry, Temenos).
- Experience selling or supporting a core platform for external financial-institution clients as well as an in-house bank.

## 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](https://sofietyinfo.sofi.com/sofi-benefits) 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](https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf)

SoFi is committed to an inclusive culture. 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.

We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico 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.

## About SoFi

## Company Overview
- **One-liner**: SoFi is a next-generation fintech company using innovative, mobile-first technology to help 14.7 million members reach financial independence and “get their money right.”
- **Entity Type**: Public (Ticker: SOFI on Nasdaq)
- **Headquarters**: San Francisco, California, USA (with offices in Seattle, New York, Frisco, Cottonwood Heights, Helena, Murray, Greenville, Claymont, and more)
- **Founded**: 2011
- **Founders**: Founded by Stanford business school students (originally as Social Finance, Inc.) — specific names not listed in the provided sources.

## Core Business
- **Primary industry/industries**: Personal finance / financial services (banking, lending, investment, credit, insurance)
- **Target customers**: B2C (individual members seeking loans, banking, investing, credit cards, mortgages, travel rewards) and B2B (employer‑facing “SoFi at Work” benefits and financial wellness programs)
- **Mission**: “To help people reach financial independence to realize their ambitions.”

## Products & Services
- **[SoFi Checking & Savings](https://www.sofi.com/)**: FDIC‑insured checking and savings accounts with no fees, competitive APY, and early direct deposit.
- **[SoFi Invest](https://www.sofi.com/invest/)**: Commission‑free stock trading, crypto trading, automated investing, and IPO access.
- **[SoFi Personal Loans](https://www.sofi.com/personal-loans/)**: Unsecured personal loans for debt consolidation, home improvement, etc. (up to $100K).
- **[SoFi Student Loan Refinancing](https://www.sofi.com/student-loans/)**: Refinancing for federal and private student loans (the first company to offer this).
- **[SoFi Mortgages](https://www.sofi.com/mortgage/)**: Home purchase and refinance loans.
- **[SoFi Credit Card](https://www.sofi.com/credit-card/)**: 2% unlimited cash back rewards on all eligible purchases.
- **[SoFi Travel](https://www.sofi.com/travel/)**: Booking portal powered by Expedia, allowing members to save and earn rewards.
- **[SoFi Insurance](https://www.sofi.com/insurance/)**: Comparison and access to auto, home, renters, pet, and life insurance.
- **[SoFi at Work](https://www.sofi.com/at-work/)**: Employer‑sponsored financial wellness benefits, including student loan contributions and refinancing.
- **[Galileo](https://www.sofi.com/our-story/)**: Financial technology platform (API‑based) for card issuing and digital banking, operated as a subsidiary.

## Market Standing
- **Valuation/Market Cap**: Publicly traded on Nasdaq (SOFI). Current market cap is not directly provided in the sources; refer to SoFi’s latest SEC filings or financial data platforms.
- **Key Metrics**:
  - **14.7 million members** (as of 2025‑2026) — [sofi.com](https://www.sofi.com/)
  - **$117 billion+ in funded loans** — [sofi.com](https://www.sofi.com/)
  - **$34 billion+ in debt paid off by members** — [sofi.com/our-story](https://www.sofi.com/our-story/)
  - **$12.5 billion+ in rewards earned** — [sofi.com](https://www.sofi.com/)
  - **Annual Revenue**: See SoFi Technologies 2025 Annual Report (SEC filing) for latest financial results — [sec.gov](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000034/sofitech2025ars.pdf)
- **Notable Investors/Partners**: Not detailed in provided sources; historically received a $1 billion funding round in 2016 (the first U.S. fintech to do so) — [sofi.com/our-story](https://www.sofi.com/our-story/)
- **Growth Signals**:
  - Received federal approval to become a national bank (2023) — [sofi.com/our-story](https://www.sofi.com/our-story/)
  - Reached 10 million members in 2022 and 14.7 million by early 2026 — [sofi.com](https://www.sofi.com/)
  - 121 open roles listed across 16 locations as of mid‑2026 — [sofi.com/careers](https://www.sofi.com/careers/)
  - Continuous product expansion (travel, credit card, bank, etc.)

## Competitive Advantages
- **All‑in‑one fintech ecosystem**: Banking, lending, investing, insurance, and travel in a single mobile‑first app — hard for single‑product fintechs to replicate.
- **SoFi National Bank**: FDIC‑insured checking and savings, giving SoFi a direct banking charter that reduces reliance on third‑party partners.
- **Galileo Platform**: Powers card issuing and digital banking for many fintechs, creating a network effect and deeper technology moat.
- **Member‑centric rewards**: SoFi Plus membership program bundles benefits (higher APY, bonus rewards, career coaching).
- **Student loan repayment as employee benefit**: Unique perk for attracting talent (as well as offering SoFi at Work to other employers).

## Strategic Focus
- **Deepen member engagement**: Cross‑sell more products within the single app to increase lifetime value.
- **Grow the bank**: Expand deposits, lending, and banking services under the national bank charter.
- **SoFi at Work**: Scale B2B benefits offering to acquire members through employers.
- **International/vertical expansion**: Potential for new product lines (e.g., SoFi Travel, insurance marketplace).
- **Maintain cost discipline**: Leverage technology to keep customer acquisition costs low while improving unit economics.

## Why Work Here
- **Culture**: Defined by “The SoFi Way” — act as a founder, relentless problem solver, and partner to members and colleagues. Emphasis on transparency, trust, and cross‑collaboration.
- **Flexible Work**: Some teams offer remote, hybrid, or full‑time in‑office based on role; managers help decide the best setting. SoFridays (no meetings after 2 p.m. local time) protect focus time.
- **Benefits**:
  - **$200/month student loan contribution** to help employees pay down debt — [sofi.com/careers](https://www.sofi.com/careers/)
  - Comprehensive health, vision, dental, life, disability; fertility & family planning options; flexible time off
  - Tuition reimbursement up to $5,250/year + regular training and leadership programs
  - **SoFi Gives**: 16 hours of paid volunteer time off per year
  - **SoFi Circles**: 8 Employee Resource Groups fostering inclusion and belonging — [sofietyinfo.sofi.com/why-sofi](https://sofietyinfo.sofi.com/why-sofi)
- **Learning & Development**: Career pathways, manager excellence framework, and mentorship programs.
- **Monthly All‑Hands with CEO** for direct transparency.
- **Locations**: Major hubs include San Francisco, Seattle, New York, and Frisco (Texas); remote work is not available from Hawaii or Alaska due to insurance coverage — [sofi.com/careers](https://www.sofi.com/careers/)

## Sources
1. [SoFi Careers Page](https://www.sofi.com/careers/) — benefits, culture, job openings, locations
2. [SoFi Homepage](https://www.sofi.com/) — member count, funded loans, key metrics
3. [SoFi Our Story / About](https://www.sofi.com/our-story/) — founding history, milestones, mission
4. [SoFi 2025 Annual Report (SEC)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000034/sofitech2025ars.pdf) — financials
5. [SoFi Candidate Resource Website (Why SoFi)](https://sofietyinfo.sofi.com/why-sofi) — flexible work, culture, SoFi Gives, learning programs, SoFridays

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