Senior Engineer - Card

Funding Circle; London; Hybrid; GBP 70,000 - 90,000; Full time

Job summary

A leading SME finance platform is seeking a Senior Software Engineer to join the Accounts & Card team. This position will involve evolving a bespoke decision engine and working closely with colleagues in a collaborative environment. The ideal candidate has experience with Ruby or Python and a strong foundation in programming. The role supports a hybrid work model, with three days a week in the London office and offers comprehensive employee benefits including health and wellness support.

Benefits

Private Medical Insurance

Dental Insurance

Annual learning allowance

Subsidised lunches

Flexible working

Qualifications

• Experience with functional programming concepts.
• Ability to work collaboratively in a team.
• Proven problem-solving skills and adaptability.

Responsibilities

• Build new software and maintain existing codebases.
• Contribute to the evolution of the decision engine.
• Collaborate with team members to enhance credit strategy implementation.

Skills

Experience working on Card products

Experience working with Ruby or Python

Strong fundamental programming skills

Excellent communication skills

Interest in Functional Programming

Knowledge of decision engines

Job description

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Senior Software Engineer

We are looking for a Senior Software Engineer to join our Accounts & Card team. Our Credit Risk Platform team, part of the Core Services department, is a collaborative group of problem-solvers dedicated to building and refining the technology that delivers near-instant decisions to our customers. As a Senior Software Engineer, you’ll play a key role in evolving our bespoke decision engine, which is central to our application process. You’ll work closely with talented colleagues to understand and enhance our credit strategy implementation and the software systems that support it. This is an exciting opportunity to make a real impact while growing your expertise in an environment that values innovation, teamwork, and shared success.

Who are we?

We’re Funding Circle. We back small businesses to succeed.

At Funding Circle, we believe the world needs small businesses. That’s why we’ve made it our mission to help them get the finance they need to grow. With more than a decade of expertise under our belt, we’ve built a game-changing platform with cutting-edge data and technology that’s reshaping SME lending. Say goodbye to lengthy applications and hello to lightning-fast decisions! In just minutes, SMEs across the UK can get a decision, giving them access to competitive funding in a flash.

We know that good business is about good people. So we pride ourselves on providing meaningful, human support as well as fast, hassle-free processes to deliver an unbeatable customer experience.

The role

• 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 solve, identifying and confidently mitigating any risks, issues, or control weaknesses that arise in your day-to-day.

What we’re looking for

• Experience working on Card products
• Experience working with Ruby or Python
• 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

At Funding Circle we are committed to building diverse teams so please apply even if your past experience doesn’t align perfectly with the requirements.

Want to learn more?

• We have a huge impact on the businesses that borrow through our platform, the communities they serve, and the overall economy (last year £7.2bn of GDP generated). You can read our full Impact Report here: /uk/impact
• To see what our customers think, visit our Trustpilot page:
• https:///review/
• And we’re still evolving! Our award-winning multi-product platform is solving more SME finance challenges than ever before. We think big, rally together, and meet the needs of SME customers like no other.

Why join us?

At Funding Circle, we celebrate and support the differences that make you, you. We’re proud to be an equal-opportunity workplace and affirmative-action employer. We truly believe that diversity makes us better.

As a flexible-first employer, we offer hybrid working at Funding Circle, and we've long believed in a 'best of both' approach to in-office collaboration and non-office days. We expect our teams to be in our London office three times a week, where you can take advantage of our newly refurbished hybrid working space, barista-made coffee, and subsidized lunches (via JustEat) every day!

We back our Circlers to build their own incredible career, making a difference to small businesses every day. Our Circler proposition is designed to support employees both in and out of work, and it is anchored around four pillars: Health, Wealth, Development & Lifestyle.

• Health: Private Medical Insurance through Aviva, Dental Insurance through Bupa, MediCash, access to free online therapy sessions, and exclusive discounts with Hertility for reproductive health support.
• Wealth: Octopus Money Coach, free mortgage advisor partnership, and discounts across numerous retailers through Perks at Work.
• Development: Dedicated annual learning allowance and full access to internal learning platform.
• Lifestyle: Wellhub (for fitness discounts), Electric Car Scheme, and more!

And finally, we have award-winning parental leave policies supporting parents through enhanced maternity, partner, and adoption leave, as well as additional leave for parental bereavement and fertility treatments.

Ready to make a difference? We’d love to hear from you.