Back End Engineer - Repeats

Back-end Engineer - Repeats Team

Hybrid in London / Remote within the UK

We’re hiring a Back-end Engineer to join the Repeats team

We're looking for a Back-end Engineer to design the scalable, high-performance services that allow us to rapidly test and deploy new product ideas for our repeat customers.

The company

Imagine a world where every small business has the power to thrive. That's the world we're building ll businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses.

Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve.

We combine cutting‑edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes

The Repeats team is an autonomous team responsible for the lending strategy and digital user experience of our recurring customers. They own all the product decisions that occur after a customer has taken their first funding. This includes the user journey for repeat customers, the eligibility and documents requirements for repeat applications, the offer terms (such as offered amount or pricing), among other things.

The team is cross‑functional, with a data scientist and a strategy analyst on top of back‑end and front‑end developers. They work collaboratively to design new product features together and ensure these are delivered through an intuitive, high‑performing digital experience.

As a Back‑end Engineer on the Repeats team, you will design, build, and own the high‑performance services that execute our lending strategy. You will get to:

• Exercise autonomy:
  Own projects end to end, from scoping and design to execution. Lead multi‑engineer projects, coordinating with analysts, product managers, and other stakeholders.

• Drive impact:
  Enhance our offerings to meet the needs of repeat customers, improving their access to tailored lending solutions.

• Shape our systems:
  Design and maintain robust, flexible, and maintainable systems to ensure scalability and fast‑paced development.

• Learn through iteration:
  Embrace a culture of experimentation, using trial and error to uncover insights, refine approaches, and grow your technical and strategic skills.

• Apply continuous deployment:
  Work iteratively, supported by high test coverage, and contribute to the team’s frequent deployment cycles (averaging more than once per day).

• Unlock data‑driven decision‑making: we use hypothesis testing and metrics such as issuance and profitability to iterate and optimise our approach.

The projects

We’re striving to offer our customers a lot of flexibility, while making the product easy for them to understand and use. We’re constantly testing new features and optimising existing parts of our strategy. Here are two examples of projects:

• Top‑up eligibility:
  We’re optimising when customers are able to apply for more funds when they currently have an ongoing loan with us. This will involve setting up several tests affecting a core functionality of our product. This is a great opportunity to learn about our customers' behaviour and optimise a key element of our lending strategy.

• Offer amount testing:
  You will help re‑architect our offer strategy by building and scaling the microservice that controls offer amounts. This project involves designing and migrating business logic from our core monolith to this dedicated service, enabling the team to rapidly test how offer amounts affect customer behaviour, issuance, and loss rate.

• Experience in back‑end engineering,…