Senior Engineer

We’re on a mission to back the UK’s small businesses like no one else 🚀

Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks.

At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts.

We’re a high-performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better.

The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy 📈 Come and join a mission that matters!

[Read our Impact Report] | [See our Trustpilot]

The role ⚡

📍 London (Hybrid) | 🤝 2 days in the office | 💰 Competitive Salary + Benefits

We are looking for a Senior Software Engineer to join our Accounts & Card team.

Our Cards team, part of the Short Term Credit department, is a collaborative group of problem-solvers responsible for the end-to-end lifecycle of Funding Circle's high-frequency revolving credit product, specifically Cashback Credit card. As a Senior Software Engineer, you will be responsible for leading technical delivery and maintaining high-performance standards for card-related products. You'll work closely with talented colleagues to lead technical ideation sessions, solve complex problems spanning beyond the team, and drive data-driven decisions. This is an exciting opportunity to make a real impact while growing your expertise in an environment that values innovation, teamwork, and shared success.

• You love to build new things but also don’t shy away from digging into a legacy codebase. You love to work in a complex problem domain that is implemented with simple software systems

• You have an interest or experience in Functional Programming, microservices and/or event-driven architecture

• You are a collaborator - you encourage pairing and believe that working together is smarter than working in a silo

• You are a teacher - generous with your time and expertise to teach stakeholders and our fellow engineers how to answer their own questions

• Proactively problem solving, identifying and confidently mitigating any risks, issues or control weaknesses that arise in your day-to-day.

What we’re looking for 🌱

We value deep expertise, but a growth mindset and good energy are what really make our team click. We’re a group that chooses to lift each other up and think smart every day.

• Experience working with Python & Serverless

• Strong fundamental programming skills (data structures, algorithms)

• Excellent communication skills, both written and spoken

• An interest (or experience) in any of Functional Programming, Distributed Systems or Event-Driven Architectures (using Apache Kafka)

• Knowledge of decision engines wanted but not essential

• Able to architect custom AI solutions and smart automated systems that are safe, maintainable, and aligned with our long-term mission

• Act as a technical bridge and mentor, training “builders" across the company to move from basic AI usage to sophisticated system creation.

We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.

Why join us? 💜

We back you to build an incredible career and by joining us, you'll be part of one of The Sunday Times Best Companies to Work For 2026! As a flexible-first employer, we use a "best of both" approach. We’ll see you in our London office to collaborate – with barista coffee and subsidised Just Eat lunches on us!

Our Circler Proposition focuses on five areas:

• Flexibility: We provide a benefit allowance you can tailor to your own life and family.

• Health: This includes private medical and dental, health assessments, and access to a digital GP.

• Wealth: We offer life assurance, share schemes, and financial coaching.

• Development: You get a dedicated annual learning allowance to help you level up.

• Lifestyle: We have electric car and cycle-to-work schemes, plus season ticket loans.

We also have award-winning parental leave policies. We're here to support you through the big life moments, from fertility treatments to new additions to the family.

Ready to join a mission that matters? We’d love to chat!