SoFi Technologies, Inc.
Leadership History
2 leaders · 2011 to present
Anthony Noto is the CEO of SoFi, in the role since 2018. The first chief executive was Mike Cagney, from 2011.
| Name | Role | From | To | Years in role |
|---|---|---|---|---|
| Anthony Noto | Chief Executive Officer | 2018 | Present | 8 |
| Mike Cagney | Co-Founder and Former CEO | 2011 | 2017 | 6 |
SoFi Technologies (Nasdaq: SOFI) is a digital personal finance company and bank holding company headquartered in San Francisco. It serves 15.8 million members (June 2026) through a mobile app offering loans, checking and savings, credit cards, investing and crypto, and it sells banking infrastructure to other companies through Galileo and Technisys. Anthony Noto has been CEO since 2018. The company is headquartered in San Francisco, California.
SoFi reports three segments. Lending earns net interest income and gains on loan sales from personal loans, student loan refinancing and home loans, plus fees from its Loan Platform Business, which originates loans for third-party buyers; it produced $711.7M of adjusted net revenue in Q2 2026. Financial Services covers SoFi Money checking and savings, credit cards, SoFi Invest, SoFi Relay and crypto, earning interchange, deposit spread, referral and brokerage fees; it produced $466.3M in Q2 2026. Technology Platform (Galileo and Technisys) sells payment processing, card issuing and core banking software to other fintechs and banks, generating about $85M in Q2 2026.
Chief Executive Officer
2018 – Present
8 years (current)
Noto executed the absolutely critical acquisition of Golden Pacific Bancorp, finally securing the highly coveted national bank charter that allowed SoFi to hold its own deposits.
Brought in as CEO following a massive sexual harassment scandal that ousted the founder, he successfully stabilized the company, took it public via a massive SPAC, and achieved GAAP profitability.
Co-Founder and Former CEO
2011 – 2017
6 years
Cagney aggressively expanded SoFi beyond student loans into mortgages and wealth management, creating the 'HENRY' (High Earners, Not Rich Yet) marketing playbook.
As Co-Founder and CEO, he built SoFi into a multi-billion dollar decacorn before being forced to resign in 2017 following highly publicized allegations of fostering a toxic, 'frat house' corporate culture.
These officers report to the chief executive and are not part of the CEO timeline above.
Regulatory scrutiny from the Consumer Financial Protection Bureau and state attorneys general presents a persistent operational risk, particularly regarding debt collection practices, auto-renewal loan terms, and the marketing of high-yield deposit products.
Anthony Noto has served as Chief Executive Officer and Director of SoFi Technologies, Inc. since March 2018.
Anthony Noto graduated from the US Military Academy at West Point, served as an active-duty Army Ranger officer, and earned an MBA from Wharton. He served as Managing Director and Head of Communications Media & Entertainment research at Goldman Sachs, CFO of the NFL, and Chief Operating Officer/CFO of Twitter.
Mike Cagney co-founded SoFi in 2011 and served as CEO until September 2017. A visionary fintech pioneer who championed student loan refinancing, Cagney resigned abruptly following sexual harassment allegations, a toxic corporate culture, and loan compliance disputes.
Tom Hutton, an experienced fintech venture capitalist and SoFi board member, served as interim CEO from September 2017 until Anthony Noto was recruited in early 2018.
Noto instituted military-grade operational discipline, established ethical corporate governance, diversified into deposits and investing, signed the SoFi Stadium partnership, executed the SPAC listing, and achieved the historic national bank charter.
Chris Lapointe serves as Chief Financial Officer of SoFi Technologies, managing capital allocation, debt management, bank balance sheet optimization, and investor communications.
Chad Borton, a seasoned banking veteran who previously served as President of USAA Bank and senior executive at CIT Bank, serves as President of SoFi Bank, N.A., overseeing regulatory compliance and credit risk.
Anthony Noto regularly demonstrates immense conviction by purchasing millions of dollars of SOFI common stock on the open market using his personal capital during market pullbacks, earning immense respect from retail investors.
Noto emphasizes extreme ownership, customer empathy, daily physical and mental fitness, and relentless execution: "Do the right thing, do other things right, and make them proud."
Anthony Noto was inducted into the Institutional Investor All-America Research Team Hall of Fame and is recognized as one of the most accomplished fintech executives in the world.
Following his departure from SoFi, Mike Cagney founded Figure Technologies, a blockchain-based fintech company specializing in home equity lines of credit (HELOC) and decentralized mortgage origination.
Noto is dedicated to compounding durable GAAP profitability, expanding deposit market share, scaling Galileo into global markets, and cementing SoFi as one of America's premier top-ten financial institutions.
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