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

📍 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 Credit Risk Platform team, part of the Core Services department, is a collaborative group of problem-solvers dedicated to building and refining the technology that delivers near-instant decisions to our customers. As a Senior Software Engineer, you’ll play a key role in evolving our bespoke decision engine, which is central to our application process. You’ll work closely with talented colleagues to understand and enhance our credit strategy implementation and the software systems that support it.

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.

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.

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.

We back you to build an incredible career. 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.