Junior Software Engineer

Lloyds Banking Group; Carlisle; Hybrid; GBP 38,000 - 41,000; Full time

Job summary

A leading financial services organization is looking for a Junior Software Engineer to join their Ruby development team in Watford. This full-time position offers a hybrid working model, allowing flexibility in hours and location. The role involves developing quality code to meet customer needs, participating in agile ceremonies, and collaborating with team members on project work. Ideal candidates will possess programming skills in Ruby or Perl, and a commitment to personal and professional development. Competitive salary and benefits package included.

Benefits

Generous pension contribution up to 15%

Annual performance-related bonus

Share schemes including free shares

Discounted shopping benefits

24 days' holiday plus bank holidays

Wellbeing initiatives and parental leave policies

Qualifications

• Assist in customer needs support and follow established procedures.
• Engage in personal development through training opportunities.
• Follow IT Security processes and procedures.
• Perform knowledge management tasks.
• Support product development activities using existing procedures.

Responsibilities

• Work within a Ruby development team to deliver quality products.
• Understand and meet customer needs through code development.
• Participate in agile ceremonies like retrospectives and stand-ups.
• Collaborate with other team members to deliver projects.

Skills

Agile methodologies

Ruby or Perl programming

Version control (Git)

Automated testing

Communication skills

Job description

End Date

Thursday 05 February 2026

Salary Range

£38,295 - £40,310

Flexible Working Options

Flexibility in when hours are worked, Hybrid Working, Job Share

Job Description Summary

Based in Watford

Job Description

• JOB TITLE: Junior Software Engineer
• SALARY: £38,295-£44,341 rising to £39,255 - £45,452 as of April 2026
• LOCATION(S): Watford
• HOURS: Full-time
• WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at our Watford office. During the training period, we do ask new starters to be in the office more until they are competent and fully trained unless an exception is requested whereby we will adapt and support

About This Opportunity

This role sits within the Ruby development team and contributes to designing, building code to deliver products that are fit for purpose and meet the quality standards that our customers expect. Working in one of our cross-disciplinary teams, engineers will have the opportunity to develop their technical knowledge and understanding as well as develop, practice and demonstrate the workplace skills and behaviours required for this job role.

About Us

We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone. Including you.

We’re an award-winning car leasing company who have been providing company car and tax efficient car benefit schemes since 2009. We take pride in helping organisations offer their employees a car that will have less impact on our environment, supporting planet positive mobility and a brighter more sustainable future.

Our Car Benefit Scheme gives employees access to affordable, fully maintained and insured cars for a fixed monthly amount delivered through a salary sacrifice employee benefit arrangement. Offering all fuel types, prices and over 1000 cars to choose from all by leading manufacturers. Please visit for Tusker car website for more information.

What You’ll Need

• To Carry out routine customer needs support tasks and assist others by following established procedures, as well as implement improvements
• Supports development of personal capabilities by pursuing existing formal and informal training opportunities.
• Works within current IT Security processes, systems and procedures.
• Carries out simple knowledge management tasks by following established procedures in order to support others.
• Supports others by performing prescribed product development/engineering activities (e.g. analysing client situations, interpreting data etc.) using existing procedures.
• Gathers, monitors and analyses risk data as directed using established risk management models, systems and protocols and recommends further investigation.
• Follows existing procedures and precedents in determining the correct course of action for routine functional enquiries.
• Develops testing standards and procedures by following general directions from professional staff.

And Any Experience Of These Would Be Really Useful

• Contribute to story refinement and estimation sessions and attend agile ceremonies such as stand‑ups, retrospectives etc.
• Work with members of the business, to ensure technical solutions meet business needs
• Implement libraries and tooling to support our products
• Collaborate with other developers to deliver project work and update technical documentation
• Produce good quality, well‑structured code with experience of your preferred programming language (Perl or Ruby on Rails) as well as knowledge of other tech stacks such as JavaScript and
• Knowledge of automated unit / integration testing as well agile work practices
• Experience with version control (Git)
• Self‑motivated to complete allotted tasks with good written and verbal communication skills

About Working For Us

Our focus is to ensure we’re inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms.

We want our people to feel that they belong and can be their best, regardless of background, identity or culture.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer initiative.

It’s why we especially welcome applications from under‑represented groups. We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know.

Benefits Package

• A generous pension contribution of up to 15%
• An annual performance‑related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 24 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Ready to grow with purpose?

Apply today.

Company Information

At Lloyds Banking Group, we’re driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities.

We keep your data safe. So, we’ll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We’ll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We’re focused on creating a values‑led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.