Full-Time

Lead AI Engineer

Posted on 5/9/2026

NewDay

NewDay

1,001-5,000 employees

UK consumer credit and store cards

No salary listed

London, UK

In Person

Category
Software Engineering (1)
Required Skills
LLM
Observability
REST APIs
Requirements
  • Proven track record of owning the technical direction and delivery of production-grade AI systems end-to-end
  • Experience designing and delivering complex AI systems across multiple use cases or domains
  • Deep expertise in generative AI / large language models, including orchestration, prompting, and evaluation
  • Experience building agentic or multi-step AI systems
  • Strong software engineering fundamentals including APIs, system design, and cloud-based architectures
  • Ability to drive technical direction in ambiguous or fast-moving problem spaces
  • Experience influencing engineering standards and practices across multiple projects
Responsibilities
  • Own the technical direction, architecture, and implementation of AI systems end-to-end
  • Design and build large language model-powered and agent-based solutions from concept to production
  • Establish engineering standards, patterns, and reusable components across use cases
  • Own key technical decisions on models, tooling, infrastructure, and system design
  • Ensure systems are robust, observable, and production-ready (evaluation, monitoring, guardrails)
  • Provide technical leadership and direction to engineers contributing to AI initiatives
Desired Qualifications
  • Experience building AI platforms or reusable frameworks and patterns
  • Familiarity with Large Language Model Operations / Machine Learning Operations and production evaluation practice
  • Experience embedding AI into core business processes or enterprise systems
  • Experience working in large-scale or regulated enterprise environments

NewDay provides credit cards and store cards to consumers in the United Kingdom, specifically focusing on those who may be overlooked by traditional banks. The company issues its own credit-building cards like Aqua and Marbles, while also managing co-branded cards for major retailers such as John Lewis and Argos. Unlike many high-street lenders, NewDay specializes in the "near-prime" market, offering digital-only products like Bip to help users manage and improve their credit scores. The company's goal is to provide responsible access to credit for underserved individuals while expanding its reach through retail partnerships and digital technology.

Company Size

1,001-5,000

Company Stage

N/A

Total Funding

N/A

Headquarters

London, United Kingdom

Founded

2000

Simplify Jobs

Simplify's Take

What believers are saying

  • Acquired Argos portfolio for £720M, adding 2M customers.
  • Reported 30% profit rise to £107M in H1 2025.
  • KKR acquired portfolio, enhancing scale and funding.

What critics are saying

  • FCA rules reject 20-30% more applicants, shrinking £4.4B receivables.
  • Lloyds digital card captures 15% near-prime share in 12-18 months.
  • John Lewis internalizes £800M portfolio in 12-18 months.

What makes NewDay unique

  • NewDay targets near-prime consumers with Aqua, Marbles, Fluid cards.
  • Launched UK's first digital-only Bip credit card.
  • Integrates open banking via D•One for affordability assessments.

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Benefits

Hybrid Work Options

Company News

Retail Sector
Oct 31st, 2024
Sainsbury's sells Argos cards portfolio to NewDay Group

Sainsbury's has also announced the creation of a partnership with NewDay to create a new Argos-branded digital credit proposition.

Retail Gazette
Oct 31st, 2024
Sainsbury's sells Argos credit card portfolio in £720m deal

The transaction will also see Sainsbury's partner with NewDay to create a new Argos-branded digital credit proposition, which will replace the brand's current credit propositions with a "wider choice of modern, flexible and more convenient ways for customers to manage the cost of purchases".

FF News
Jul 18th, 2024
Newday Enhances Its Affordability Assessments With D•One Open Banking Services

D•One, part of the ClearScore Group, today announces that NewDay, a leading provider of unsecured consumer credit in the UK, has gone live with D•One’s open banking connectivity and transaction categorisation products. This move to provide deeper affordability assessments supports responsible access to credit, as well as financial inclusion. NewDay customers can share their transaction data via open banking for a real-world assessment of affordability, offering consumers who have limited credit histories access to credit options they might otherwise have missed out on.NewDay serves millions of customers, powered by its leading platform and digital servicing capability. With the integration of open banking technology, it can now further enhance its lending decision-making, leading to greater access to credit for a wider range of people. Using D•One’s open banking connection and categorisation, NewDay has developed its credit models to help more people move forward with credit.Rob Holt, Chief Executive Officer of Credit at NewDay, said: “We are always looking for ways to improve our ability to serve working Britain with responsible access to affordable credit, and we see open banking as an important addition to our underwriting assessments to more comprehensively understand our customers’ circumstances. We were impressed with D•One’s open banking solution, along with the supporting functionality and flexibility it provided and plan to integrate these capabilities into our lending strategies.”D•One provides the most comprehensive suite of open banking connectivity in the UK and has an advanced deterministic categorisation model developed over 12 years and with over 1 billion transactions

Solicitors Journal
Mar 28th, 2024
Clarke Willmott facilitates acquisition of Newdez Ltd. by Fintel plc

Clarke Willmott facilitates acquisition of Newdez Ltd. by Fintel plc.

LinkedIn
Nov 12th, 2023
NewDay's Post

Experian is collaborating with NewDay and other leading UK organisations to deliver best practices in supporting vulnerable consumers.