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About the Role
We are looking for a Senior Software Engineer to join our Accounts & Card team. Our Cards team is responsible for the end-to-end lifecycle of Funding Circle's high-frequency revolving credit product, specifically Cashback Credit card. As a Senior Software Engineer, you will be responsible for leading technical delivery and maintaining high-performance standards for card-related products. You'll work closely with talented colleagues to lead technical ideation sessions, solve complex problems spanning beyond the team, and drive data-driven decisions. This is an exciting opportunity to make a real impact while growing your expertise in an environment that values innovation, teamwork, and shared success.
Responsibilities
- Leading technical delivery and maintaining high-performance standards for card-related products.
- Working closely with talented colleagues to lead technical ideation sessions.
- Solving complex problems spanning beyond the team.
- Driving data-driven decisions.
- Proactively problem solving, identifying and confidently mitigating any risks, issues or control weaknesses that arise in your day-to-day.
- Acting as a technical bridge and mentor, training “builders" across the company to move from basic AI usage to sophisticated system creation.
Requirements
- 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.
- Able to architect custom AI solutions and smart automated systems that are safe, maintainable, and aligned with our long-term mission.
- 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.
Skills
- Python
- Serverless
- Functional Programming
- Distributed Systems
- Event-Driven Architectures
- Apache Kafka
- AI solutions
- Automated systems
Location
- London
Work Type
- Hybrid
- 2 days in the office
Experience Level
- Senior
Salary/Compensations
- Competitive Salary
Benefits
- Benefit allowance you can tailor to your own life and family.
- Private medical and dental.
- Health assessments.
- Access to a digital GP.
- Life assurance.
- Share schemes.
- Financial coaching.
- Dedicated annual learning allowance.
- Electric car scheme.
- Cycle-to-work scheme.
- Season ticket loans.
- Award-winning parental leave policies.
- Support for fertility treatments.
- Support for new additions to the family.
- Barista coffee.
- Subsidised Just Eat lunches.
About the Company
- 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.
- Last year alone, the businesses on our platform generated £7.2bn for the UK economy.
- Come and join a mission that matters!
- 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.
- 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 and by joining us, you'll be part of one of The Sunday Times Best Companies to Work For 2026!
Equal Opportunity
- 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.