Principal Software Engineer, AI-Driven Banking

Aumni

Greater London

On-site

GBP 110,000 - 160,000

Full time

14 days+

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Job summary

JP Morgan Chase seeks a Principal Software Engineer to deliver scalable AI-enabled engineering workflows and consumer-facing financial features within the International Consumer Bank. You will collaborate with a distributed, diverse team to define secure, scalable solutions that meet regulatory standards while providing a seamless customer experience.

You will lead end-to-end delivery, influence senior stakeholders, and drive best practices for reliability, performance, and security at scale

Qualifications

Formal training or certification on software engineering concepts and advanced applied experience.
Hands-on practical experience delivering system design, application development, testing, and operational stability.
Expert proficiency in one or more programming languages.
Demonstrated experience designing and leading the adoption of agentic AI-enabled development practices (using enterprise-authorized tools within the work environment) across teams, including setting standards for human-in-the-loop validation, auditability and traceability of changes, and secure handling of sensitive data.
Strong understanding of responsible AI use and control expectations in engineering workflows, including security and resiliency implications, data sensitivity, and risk-based governance; ability to influence senior technical leaders on safe scaling patterns and reuse.
Experience applying expertise and new methods to determine solutions for complex technology problems across one or more technical disciplines.
Sound understanding of the business context and commercial drivers underpinning technology decisions.
Practical cloud-native experience.
Demonstrated experience launching and scaling consumer-facing financial products — such as lending, core banking, deposit products, or investment platforms — in a regulated environment.
Proven track record of owning end-to-end delivery of high-traffic, customer-facing systems with a focus on reliability, performance, and security at scale.
Experience navigating the intersection of consumer product velocity and financial services compliance, including fraud prevention, data privacy, and auditability requirements.

Responsibilities

Creates complex and scalable coding frameworks using appropriate software design frameworks.
Develops secure and high-quality production code, and reviews and debugs code written by others.
Architects and governs agentic AI-enabled engineering workflows (using enterprise-authorized tools within the work environment) to improve delivery speed, code quality, and operational outcomes at scale — including AI-driven PR review assistance, test generation and maintenance, release readiness checks, and incident triage and root-cause acceleration — while defining guardrails for validation, security, resiliency, and reuse across teams.
Applies knowledge of tools within the Software Development Life Cycle toolchain, including enterprise-authorized AI-assisted development and automation capabilities, to improve the value realised by automation at scale.
Serves as the function’s go-to subject matter expert.
Contributes to the development of technical methods in specialised fields in line with the latest product development methodologies.
Creates durable, reusable software frameworks that are leveraged across teams and functions.
Influences leaders and senior stakeholders across business, product, and technology teams.
Leads the design and delivery of consumer-facing financial product features, ensuring high availability, low latency, and resilient architecture for millions of end users.
Partners with Product, Design, and Compliance teams to ship customer-centric features that meet regulatory standards without compromising user experience.
Drives engineering best practices for rapid, safe iteration on consumer products, including feature flagging, A/B testing frameworks, and progressive rollout strategies.