Raises are a hidden. Negotiate a high starting salary. SoFi only gives the top 30% a raise. There's no objective measurement put in place, so they go to the managers pet. If there is one at all. There is no cost of living raise either.
You will be responsible for everything, not managers above you. Even if they don't give you resources / information
You will be working in Java. SoFi will dangle new exciting languages like golang, but it's just a bait and switch to get people in the door. The tech stack is old, and there is no interest in keeping it modern. Push out more features instead of updating.
Turnover in engineering has been astronomical. If you have to touch something that's more that 2 years old, whoever wrote it will not be there. And no one will know how it works.
Lastly, many engineers are unwilling to recruit friends to work there. Even with a 5k recruitment bonus.