Back-End Engineer - Repeats

United States Digital Space LLC

Greater London

Hybrid

GBP 60,000 - 80,000

Full time

7 days ago

Be an early applicant

Get more replies from employers

Send a job-specific resume in minutes.

Benefits offered by this job

Flexible working hours

Medical insurance

Private GP service

25 days holiday

Company retreats

Learning budget

Equity incentive

Job summary

United States Digital Space LLC is hiring a Back End Engineer in London, hybrid with at least one in-office day per week. You will own backend features end-to-end, starting with re-architecting the flex-loan repeat offer pipeline and expanding to frontend work over time.

You’ll collaborate across Product, Design, and Data Science to deliver scalable, testable services, using Python, PostgreSQL, and emerging AI tools to drive impact for repeat borrowers.

Qualifications

Proficient in writing clear, testable Python code.
Experience with relational databases, PostgreSQL preferred.
Willingness to learn front-end (React/TypeScript) over time.
Clear written and spoken communication; able to explain technical work to non-engineers.
Experience with automated tests and safe release practices.
Familiarity with AI tools to improve workflow.

Responsibilities

Own backend features end-to-end from design to production.
Re-architect the flex-loan repeat offer pipeline for eligibility, pricing, and borrowing amount.
Collaborate with frontend (Pandora/React) in a growing full-stack role.
Monitor production and troubleshoot issues in live services.
Work with Product, Design, Data Science to ship technically sound solutions.

Skills

Python

Automated testing

Relational databases

React

TypeScript

Code reviews

Communication

AI tooling usage

Education

Degree in maths, physics, computer science, engineering, or relevant experience

1+ years commercial engineering experience

Tools

Django

FastAPI

Docker

AWS

Kubernetes

Looker

Snowflake

Job description

Back End Engineer - RepeatsHybrid in London, United Kingdom (At least one day in office per week)

We're looking for a back-end engineer to join the Repeats team.

You will work on the services that decide which repeat customers get a loan, at what price, and how much they can borrow. These sit at the heart of the company's back book.

The company

Imagine a world where every small business has the power to thrive. That's the world we're building at the company. Small businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses.

Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve.

We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.

The team

The Repeats team is one of the company's funnel teams. We grow customer lifetime value after a business's first loan. That means we own the underwriting, pricing, and product experience for two segments that make up most of the company's back-book value: top-up customers who borrow again while still repaying, and loan-ended customers who return for a new loan. Almost every repeat borrower goes through code we own. The team is cross-functional – backend, frontend, product, design, data science and analytics – shipping behind split tests and measuring impact in Looker rather than on gut feel.

The role

Your first project will be the re-architecture of our flex-loan repeat offer pipeline: the flow that decides who is eligible for a new loan, what they pay, and how much they can borrow. This area has been under-invested for years. Once the new pipeline is in place, product has a clear runway of features ready to ship on top of it.

You will own backend features end-to-end, from design through to shipping and monitoring them in production. Over time, you will pick up front-end work and grow into a full-stack role.

Impact on customers

Work on the systems that shape every repeat customer's offer, and move the metrics behind the company's back-book performance.

Ship features that make it faster and clearer for small business owners to access follow-on funding.

Ownership and delivery

Work through the full development lifecycle – from technical design and implementation to rollout behind a split test – on well-defined components.

Maintain and support the core services behind repeat lending: the lending_decision app inside the company-django, the repeats pricing and offer-amount services, and the customer account pages.

Help monitor production and troubleshoot issues when they come up.

Collaboration

Work closely with Product, Design, Data Science and Analytics to build solutions that make sense technically and land well for customers.

Show up to team rituals – stand-ups, retros, planning – with context and questions.

Write clean, well-tested Python, and take part in code reviews to learn from teammates and keep quality high.

Pick up front-end work in Pandora (React, TypeScript) so you can own features end-to-end over time.

The requirements

Essential

Comfortable writing clear, testable Python. You do not need to be an expert.

1+ years of commercial engineering experience.

Working knowledge of relational databases. We use PostgreSQL.

Curious about the full stack and up for picking up front end (React, TypeScript) over time.

Clear written and spoken communication. You can explain technical work in a way non-engineers can act on.

You care how your work affects customers, and use experiments and metrics to guide decisions.

You have experience of writing automated tests and take code quality and safe releases seriously.

You use AI (Cursor, Claude Code or similar) in your daily flow – whether for work or for fun. You use it to blast through boilerplate and research so you can focus on the hard parts: complex architecture, rigour and high-stakes decisions.

Bonus:

Familiarity with Python web frameworks (Django, FastAPI).

Exposure to Docker, AWS or Kubernetes at any level.

Any exposure to data tooling such as Snowflake or Looker.

A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience.

The salary

We expect to pay from £60,000 - £80,000 for this role. But, we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.

The culture

At the company, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services.

The offices

We put a lot of effort into making the company a great place to work:

Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.

Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.

The benefits

Flexible working hours.

Medical insurance from Vitality, including discounted gym membership.

A private GP service (separate from Vitality) for you, your partner, and your dependents.

25 days’ holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.

A one-month, fully paid sabbatical after four years.

Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.

3% Pension contributions on total earnings.

An employee equity incentive scheme.

Generous parental leave and a nursery tax benefit scheme to help you save money.

Electric car scheme and cycle to work scheme.

Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.

A learning and development budget for everyone.

Company-wide talks with internal and external speakers.

Access to learning platforms like Treehouse.

Useful links:

the company benefits & policies

Interview welcome pack

The culture

At the company, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.

We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.

The offices

We put a lot of effort into making the company a great place to work:

Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.

Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.

The benefits

Flexible working hours.

Medical insurance from Vitality, including discounted gym membership.

A private GP service (separate from Vitality) for you, your partner, and your dependents.

25 days’ holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.