Juuli
Senior Backend Developer (UK) — Fintech, Wallet, Safeguarding, Payments & FX Experience
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About Juuli
Juuli is an AI-native fintech platform built exclusively for UK&Europe’s 43M+ solopreneurs. We bring payments, cards, FX, invoicing and tax automation into one place, with 90-second onboarding and AI at the core of the product. We are a lean, London-based team, and every senior hire here has a direct impact on how we grow.
The Role
You will own the technical core of Juuli’s e-money operations: wallets, ledger, safeguarding, payments and FX, built on PHP and MySQL. You will be part of our governance structure, making sure the systems that hold and move customer money are correct, auditable and ready for regulatory scrutiny. You will work directly with the founders and our compliance team.
What You’ll Do
- Design, build and run our e-money platform in PHP and MySQL: wallets, double-entry ledger, balances, holds and fund flows
- Model financial data in MySQL with strict correctness: transactions, locking, isolation levels and idempotent writes
- Build safeguarding into the system: segregation of customer funds, daily reconciliation, break detection and reporting
- Design and integrate payment flows across payment schemes (e.g. SEPA, Faster Payments), card programmes and our licensed partners’ APIs
- Build FX capabilities: multi-currency balances, conversion, pricing and settlement
- Take part in governance: provide technical input to risk, compliance, safeguarding, incident and audit processes
- Document our systems and controls clearly for compliance, auditors, partners and regulators
- Set engineering standards for reliability, testing, auditability, security and observability
- Work closely with product, compliance and fraud teams to build controls into the product by design
- Review code, mentor engineers and shape how we build
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Our stack: PHP, MySQL
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What We’re Looking For
- Based in the UK with the right to work in the UK
- 6+ years in backend development, including 5+ years of professional PHP (modern PHP 8.x, object-oriented design, automated testing)
- Strong MySQL expertise: schema design, InnoDB transactions, locking and isolation levels, indexing, query tuning and safe migrations on large tables
- Significant professional experience in fintech, payments or e-money
- Proven experience building wallet and ledger systems in production: double-entry accounting, balances, holds, reversals
- Hands-on experience with safeguarding or client-money reconciliation in a regulated firm
- Strong experience with payment flows and integrations: schemes, processors, card programmes
- Practical experience with FX and multi-currency systems
- Solid fundamentals in data consistency, concurrency, idempotency, queues and event-driven design
- Comfort explaining system design and controls to non-engineers, including compliance, auditors and regulators
- Clear communication and excellent English
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