Software Engineer (Backend)

You will design and evolve the services that power core banking products. The systems you help build process thousands of financial transactions every day. They must be scalable, resilient and secure. When money moves, it has to work. Every time.

But this role goes beyond implementation.

You will shape technical direction. Influence cross-team initiatives. Own complex, high-impact work from concept through to production. You will help decide not just how we build, but what we build and why.

This is senior in impact, not just title.

We're growing across several of our product-engineering tribes at Zopa, with current opportunities in Current Accounts, Lending, Credit Cards and Product Enablement.

Each team tackles different challenges - from building seamless everyday banking experiences to enabling responsible lending and empowering our internal teams with scalable platforms and tools.

Across all areas, we share a strong culture of ownership, collaboration and thoughtful challenge, giving engineers real impact and autonomy in the work they do.

What You'll Be Doing

• Owning complex initiatives end to end, from idea to measurable outcome

• Designing scalable backend systems that stand up to real-world scale and complexity

• Making architectural decisions that balance immediate delivery with long-term sustainability

• Bringing structure and clarity to ambiguous problems

• Influencing prioritisation and trade-offs across teams

• Raising the bar for engineering quality, reliability and accountability

• Mentoring engineers and strengthening overall team capability

• Driving continuous improvement in how we build and operate systems

• Strong systems thinking and architectural judgement

• The ability to navigate ambiguity and turn complexity into clear, actionable plans

• Confidence making data-informed technical decisions with long-term consequences in mind

• Experience influencing beyond your immediate team

• A deep customer focus and a bias toward measurable outcomes

• A genuine commitment to engineering quality and raising standards

• Experience mentoring others and amplifying team impact

• Ownership beyond your own output

We're intentionally technology agnostic. What matters to us is how you think, how you solve problems and the scale of what you've built.

* You'll have real influence over technical direction * You'll join a team recognised as one of the UK's Most Loved Workplaces * You'll be part of a bank that is still growing, still ambitious and still challenging the industry We don't just build software. We move finance forward.