PHP Backend Engineer Remote

At Chip, we build systems that move real money, and help customers build wealth to empower their financial futures.

Savings deposits. ISA subscriptions. Transfers. Investments.

Every transaction must be reliable, auditable and accurate — because we operate in a regulated financial environment where correctness genuinely matters.

We’re hiring a Backend Engineer (PHP) remote in the UK to help scale the API backbone of our savings and investment platform.

This role is for someone who enjoys building clean, well-tested services that handle meaningful complexity — not just shipping basic features.

• Designing and building APIs that power thousands of daily regulated financial transactions
• Owning backend domains end-to-end, from design through deployment
• Improving reliability, performance and observability across our services
• Contributing to architectural decisions, not just implementing tickets
• Writing high-quality, well-tested code in a collaborative engineering team
• Working closely with Product, Mobile and Operations to ship safely and quickly

You’ll have real ownership. The systems you build will directly impact customers’ money and financial outcome s.

We primarily work in modern PHP
, using frameworks such as Laravel and Symfony
, with strong automated test coverage and clear service boundaries.

We also regularly build and maintain services in Go
, particularly where performance, concurrency or scalability requirements demand it.

Our broader stack includes:

• Service-oriented architecture
• Docker
• AWS
• CI/CD pipelines
• Observability and monitoring tooling

We care more about clean design, thoughtful testing and well-structured systems than chasing trends, but we’re pragmatic about using the right tool for the job.

• 3+ years building backend systems in PHP
• Experience designing and maintaining production APIs
• Confidence writing automated tests
• Comfortable working in a collaborative engineering team

• Experience with Laravel or Symfony
• Familiarity with Go
• AWS experience
• Experience with microservices or event-driven systems
• Experience in fintech or other regulated environments

If you meet most of the must-haves, we encourage you to apply. We don’t expect perfection.

Someone with a genuine interest in Chip and is excited about being part of a fast-growing company and our mission to build the investment super app of the future.

Although we’re in the financial space, and under the scrutiny that comes with it, the current engineering team works well together, and even sometimes with a smile. We’re sure you’ve got the technical skills, otherwise, you would have stopped reading by now, so let us be clear on what will make us want to work with you.

We want a real person, with interests outside of work, to join our team. You could be a dancer, a gamer, a musician, a parent, a hockey fan, or even that one person that still writes Twilight fan-fiction. Doesn’t matter to us.

At the interview stages, we will be looking for empathy, eq, fun stories, and the ability to smile even when things are tough.

• Monday to Thursday: 9:00 AM – 6:00 PM
• Friday: 8:00 AM – 4:00 PM (Start your weekend early!)

Enjoy a structured yet balanced workweek, with an early Friday finish to kickstart your weekend!

• £46,000 - £65,000 per annum
• Discretionary Performance-Related Bi-Annual Bonus of up to 10% (Cash) and 5% (Shares) based on your gross annual salary.
• Workplace pension scheme - We invest in your future with a workplace pension scheme
  , contributing 5% on earnings up to £50,000
  . Plan ahead with confidence while you grow your career!
• Fully comprehensive private medical insurance (medical history disregarded)
• Employee Assistance Programme
• Cycle to work scheme
• Season ticket loan
• Free ChipX subscription for UK-based employees
• We are an equal-opportunity employer and value diversity
• Flexible working arrangements
• 28 days holiday plus bank holidays, plus the days between Christmas and New Year ✈️
• Annual training budget for courses, workshops, or conferences to help you advance your career.
• £30 per month Chip Fitness Benefit to suit your Mental/Physical…