Hello, World.

Me, hiking the Tour du Mont Blanc in 2024.

I'm Josh Hinkle, an engineering leader at SoFi. Say hi to my dog Daisy.

ABOUT ME

👋 I'm an engineering manager with a background in chemical engineering and computer science. I lead teams shipping real-time fraud detection ML models at SoFi, where I've spent 7 years spanning hypergrowth from a 400-person pre-IPO startup to the fastest-growing bank in US history. Before SoFi, I was at NASA Ames Research Center, building software to assist in the research and testing of thermoprotective materials for spacecraft reentry. My interests include all-things programming, math, science, rockets and heat shields, chess, and Zelda.

LEADERSHIP FOCUS

Team Building & Development Cross-Functional Coordination Technical Program Management ML Model Governance & Safety Performance Management Regulatory Compliance

TECHNICAL BACKGROUND

ML Systems & Production AI

Real-time ML feature pipelines, model deployment & governance, staged rollouts, A/B testing, low-latency ML inference

Distributed Systems & Infrastructure

AWS, Kubernetes, Kafka/Kinesis, Snowflake, Apache Iceberg, Trino, Druid, Spring Boot

Languages

Kotlin, Java, Python, SQL, JavaScript

EXPERIENCE

SoFi

March 2019 - Present

Senior Software Engineering Manager Sep 2025 - Present
Software Engineering Manager Jan 2025 - Aug 2025

  • Lead two teams at SoFi: Fraud Signals (10 SWE) and FROST Data Engineering (3 DE), protecting SoFi Members from bad actors by balancing fraud prevention effectiveness with user experience.
  • Established ML model governance including staged rollouts, false positive monitoring, and safety review processes for model changes—practices aligned with responsible AI development and AI safety principles.
  • Extensive cross-functional coordination between Fraud, Crypto, Banking, and Member verticals. Launched several new products safely, including SoFi Crypto, SmartCard, SoFi Pay and Instant ACH, while continuing to be the first line of defense for Banking, Credit Card, and Invest product lines.
  • Development of real-time ML platform enabling fraud detection across Money, Credit, and Invest products with <100ms latency requirements. Platform provides config-driven feature engineering for fraud models, allowing data science teams to rapidly iterate on ML signals while maintaining safety reviews and staged rollouts.
  • Built and scaled Signals team from 6 to 10 engineers over 4 months during charter expansion. Delivered performance feedback and coaching, sponsored several successful promotions, and conducted 50+ technical interviews.

Senior Staff Software Engineer Sep 2024 - Jan 2025
Staff Software Engineer Sep 2022 - Aug 2024
Senior Software Engineer Sep 2020 - Aug 2022
Software Engineer Mar 2019 - Aug 2020

  • Core contributor and tech lead for the 2nd generation Financial Services platform. Architected and led development of second-generation Onboarding platform, implementing a concurrent and resilient framework supporting company-wide Member onboarding experiences.
  • Authored "FRN" (Financial Resource Name) specification, a URN-like identifier standard adopted globally across SoFi's 100+ microservices for resource identification and authorization.
  • Designed and implemented org-wide data pipeline core infrastructure, utilizing AWS Kinesis, S3, and Snowflake.
  • Team lead on large user-facing projects such as Samsung Money by SoFi and Personal Loan - Money Bundle. Featured in a blog post by builtin.com.
  • Designed and built resilient Webhooks API with which SoFi communicates with Samsung, currently having sent 100M+ messages with 0 dropped.

OTC Exchange Network

Software Engineer Jun - Dec 2018

  • OTC Exchange Network (“OTCXN”) is a capital markets infrastructure company using proprietary blockchain technology.
  • Full stack development with Java micro-service backend and React.js frontend

NASA Ames Research Center

Software Engineering Intern - AMA Jan 2017 - May 2018

  • Consult with departments within Analytical Mechanics Associates at NASA to provide both local and online software solutions.
  • Use Java, VB, Microsoft SQL to code CRUD application solutions to assist in the research of thermo-protective materials to be used in NASA reentry vehicles.
  • Designed and developed relational database application for documenting the decomposition products of aerospace materials being tested under atmospheric reentry conditions.
  • Custom UI design built with JavaScript, CSS and HTML enabled NASA engineers with no DB training to customize their own queries, generating reports and data visualizations on demand.
  • Presented to NASA administrative staff software capabilities and results of the investigation.
  • Check out a PDF of my poster presentation HERE.

EDUCATION

SAN JOSE STATE UNIVERSITY

Bachelor of Science in Chemical Engineering
Minor in Computer Science

  • 3.98 Overall SJSU GPA
  • 4.00 CS GPA

HONORS AND AWARDS

NASA ASAP Award

  • Checkout my award letter HERE

NorCal AICHE Senior of the Year

  • Awarded to top performing Senior by Northern California Chapter of American Institute of Chemical Engineers

Outstanding Senior Award

  • Awarded to top performing Senior in BCME department for academic year

Outstanding Junior Award

  • Awarded to top performing Junior in department for academic year

Promise Award

  • Awarded to top performing lower-classman (Sophmore or Freshman) in BCME department for academic year

Dean's Scholar

  • Awarded to Students with 2 or more consecutive semesters of a GPA >= 3.7

President's Scholar

  • Awarded to Students with 2 or more consecutive semesters of a GPA == 4.00

LEADERSHIP

RECYCLING WATER ON MARS

  • Leader of 6 person team performing trade study on new process for water reuse on manned Martian mission.
  • Collaboration with Michael Flynn and NASA Ames Research Center
  • Leadership duties include scheduling meetings and interfacing with client, securing funding, and delegating tasks amongst team members.
  • Checkout a PDF of the poster presentation HERE.


Reach out and say hello: