Data Engineer

Lem Fi (Series B) is building the go‑to financial app for the Global South. Moving to a new country shouldn’t mean starting from zero. Our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live.

What began as fast, affordable remittances is evolving into a complete platform for multi‑currency accounts, payments, credit, and long‑term financial growth. With over 2 million users across the globe, we process over $1.5 B in monthly transactions to 30+ countries, proving that borders shouldn’t limit financial opportunity.

You will be the engine behind our lending data infrastructure. Your primary focus will be designing, scaling, and optimising the data pipelines and systems that power our underwriting, credit decisioning, and portfolio analytics. You won’t just be moving data; you will architect the foundations that make credit automation, risk monitoring, and regulatory reporting seamless, ensuring our lending operations remain fast, accurate, and scalable across markets.

• Engineer & optimise: design, build, and maintain scalable, reliable data pipelines supporting credit risk modelling, underwriting, portfolio monitoring, and regulatory reporting.
• Integrate data sources: connect and ingest data from ledger systems, transaction processors, credit bureaus, open banking APIs, and other third‑party providers.
• Ensure data quality: implement robust processes for accuracy, completeness, validation, anomaly detection, and overall data integrity.
• Enable decisioning: deliver production‑ready datasets that power credit decision engines, risk models, affordability assessments, and real‑time analytics.
• Collaborate cross‑functionally: work closely with credit risk, analytics, data science, product, and compliance teams to translate requirements into data solutions.
• Maintain resilience: monitor and optimise data infrastructure performance, troubleshoot issues, and ensure reliability at scale.
• Document & govern: maintain clear documentation of data flows, pipelines, and business logic, supporting data governance and regulatory compliance.

• Detail‑oriented and passionate about data accuracy, consistency, and reliability in regulated environments.
• Analytical – you enjoy solving complex data problems and turning messy inputs into clean, trustworthy datasets.
• Technically curious – you understand systems end‑to‑end and stay engaged with emerging data engineering practices.
• Collaborative – you communicate clearly with technical and non‑technical stakeholders, prioritising shared outcomes.
• Adaptable – you thrive in a fast‑paced, high‑growth environment and embrace ambiguity with a problem‑solving mindset.

• 1–3 years of experience as a Data Engineer or similar role, ideally within UK consumer lending, fintech, or financial services.
• Strong hands‑on experience with SQL, Python, and data engineering tools such as Snowflake, dbt, Dagster, or similar frameworks.
• Experience working with transactional data, credit bureau data, and open banking APIs.
• A solid understanding of data quality, lineage, governance, and security in regulated environments.
• Demonstrated ability to turn business and credit requirements into scalable, production‑ready data solutions.
• Excitement about building systems that directly impact risk management and customer experience.

• Chat with a Talent Partner (30 min)
• Behaviours & Culture Interview (45 min)
• Technical Assignment (60 min presentation)
• Final Interview (30 min)

Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We’re changing this. At Lem Fi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics – it puts money back in families’ pockets and offers access to the previously excluded.

Join us to make a meaningful difference, where high performance is a lifeline for millions.

• Sharp Customer Focus 🎯 – we cut through the noise and prioritise ruthlessly based on what drives real value.
• Lead with Data 📊 – we trade instinct for insight. We test, analyse, and own the outcomes.
• Ownership 🤝 – we take responsibility for global outcomes, not just local wins.
• Grit 💪 – we navigate ambiguity with resilience and keep pushing until the customer feels the impact.

To build the best financial tools for the global diaspora, we need a team that reflects the world we serve. We welcome builders from all walks of life who embody our values over a perfect resume. If you are excited about this role and our mission, we encourage you to apply anyway.