Senior Software Engineer

Job Title: Senior Software Engineer

Location: London (Remote)

Reports to: CTO

About the company

Our client is a London based fintech that helps companies manage genuinely complex money flows, not just push payments from A to B. They run end to end movement of funds across cards, Direct Debit and open banking, apply clear allocation rules, and pay out to multiple parties with full traceability. Their platform is already live with customers and is expected to scale to transaction volumes in the hundreds of millions of pounds.

Because they can see exactly who earned what, when, and under which rules, their clients get a clearer picture of their business. That means better cash flow without damaging supplier relationships, earlier and better informed financing decisions, fewer disputes and chargebacks, and the ability to unlock revenue streams that are not possible when payments are treated as a basic commodity.

What makes this interesting

• Real money movement, allocation and reconciliation, not a thin wrapper around third party processors.
• Focus on correctness in a domain where cards, Direct Debit and open banking behave differently, settlement is delayed, and failures or disputes can appear weeks after payout.
• A platform designed for automation and intelligent decision making, grounded in transaction and behavioural data.
• Embedded finance products on the roadmap, including invoice native financing, regulated accounts, cards and phone as terminal.

About the role

The core system is in place, but there is substantial new product and platform work ahead. The company is hiring a Senior Software Engineer to join a small engineering team led by the CTO. The role is remote, with an office based near Liverpool Street, London.

Key responsibilities:

• Design, implement and maintain backend services in Java that support complex payment and reconciliation workflows.
• Develop and evolve APIs and integration points relied upon by clients and partners.
• Take end to end ownership of features, from design through implementation, testing, deployment and ongoing support.
• Work closely with product and engineering colleagues to balance robustness, performance and delivery timelines.
• Contribute to the continual improvement of architecture, tooling and development practices as the platform scales.

What we’re looking for

Soft skills:

• High level of ownership and accountability, able to manage work independently while communicating clearly about risks and dependencies.
• Comfortable working in an early stage or scaling environment, with some ambiguity.
• Strong analytical and critical thinking skills, with an interest in understanding the broader product and business context.
• Consideration for users of your work, including colleagues, external developers and end users.

Hard skills:

• 5+ years of professional experience in software engineering, with strong proficiency in Java.
• Experience working with Spring Boot, RESTful APIs, and microservices architecture.
• Solid understanding of relational databases and associated data modelling and querying.
• Experience with testing frameworks and a focus on writing maintainable, well structured code.
• Prior exposure to payments or fintech is advantageous but not essential.

Technology stack

• Backend: Java (23), jOOQ, JUnit, Testcontainers
• Frontend: TypeScript, Vue, Tailwind UI
• Infrastructure: GCP, Terraform, Cloud Run, Postgres, Clerk, PostHog
• Mobile: Flutter

What’s on offer

• Competitive salary.
• Remote working
• Equity with a three year vesting period.
• Opportunity to influence both product and technical direction within a focused, collaborative team.