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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]
The role ⚡
📍 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 Cards team, part of the Short Term Credit department, is a collaborative group of problem-solvers 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.
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What you'll do
- 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.
What we’re looking for 🌱
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
- Able to architect custom AI solutions and smart automated systems that are safe, maintainable, and aligned with our long-term mission
- Act as a technical bridge and mentor, training “builders" across the company to move from basic AI usage to sophisticated system creation.
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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.
Why join us? 💜
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! 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.
Ready to join a mission that matters? We’d love to chat!
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