Software Engineer

You'll be the first engineer hired into our new tech team reporting to the Head of Technology and working closely with execs., Build the Platform

• Work across the full stack - frontend, backend, infrastructure, integrations - wherever you're needed most that day.
• Design and deliver core services using TypeScript, Node.js/Express, React/Next.js, PostgreSQL, and MongoDB.
• Build and maintain AWS infrastructure (ECS, Lambda), CI/CD pipelines (GitHub Actions), and observability tooling (Grafana).
• Integrate with credit bureaus, Open Banking providers, and third-party APIs.
• Implement the highest-leverage opportunities for AI across our product suite and ship features that materially improve customer outcomes.

Own Your Work

• Take features from problem to production; understand the requirement, design the solution, ship it, monitor it, support it.
• Balance pragmatism with quality; move fast without creating a mess you'll regret later.
• Context-switch comfortably between coding, production ops, and stakeholder conversations.

Shape How We Work

• Contribute to establishing engineering standards, documentation practices, and ways of working as the team grows.
• Use AI-assisted development tools effectively and help define how we integrate them into our workflow.
• Work closely with the Head of Technology and product stakeholders to turn business problems into technical solutions.

• You're a senior engineer who's genuinely comfortable across the stack; a generalist who has built and shipped real products, owned them in production, and dealt with the unglamorous bits: debugging integrations, fixing pipelines, untangling code.
• You've worked with most of our stack or something close enough that you'll pick it up quickly: TypeScript, Node.js, React/Next.js, PostgreSQL, MongoDB, AWS, CI/CD tooling.
• You are comfortable and experienced with AI agentic engineering in a professional environment, and have opinions on how to use tools well; not just for autocomplete, but as a genuine part of how you work, alongside a solid engineering approach.
• You understand infrastructure well enough to build and maintain it yourself, not just throw things over the wall to a DevOps team.
• You're pragmatic. You know when to ship and when to push back. You care about code quality but you're not precious about it. You'll make sensible trade-offs and live with the consequences.
• You're comfortable with ambiguity and self-directed by default. You can take a loosely defined problem, ask the right questions, figure out what needs building and deliver; you don't need a detailed spec or ticket queue to be productive.
• You don't need a computer science degree. What matters is demonstrable experience building quality software in a professional environment, however you got there.
• Experience in fintech or other regulated industries is a bonus, but not essential. What matters more is the ability to learn quickly and operate in an environment where compliance and data security aren't afterthoughts.

We're Credit Technologies. We build brands and solutions that help consumers access credit and other financial services. We're a UK fintech on a mission to democratise access to credit. Our technology helps people understand, manage and improve their credit profiles - opening doors to financial products and opportunities that might otherwise be out of reach. We're at an exciting inflection point: building a brand new platform from the ground up. This isn't legacy maintenance or incremental feature work; it's greenfield development with modern tooling, clean architecture decisions, and the freedom to do things properly. As an early member of our technology team, you won't just be writing code. You'll be shaping technical direction, influencing our engineering culture, and building something meaningful from day one. It's a real opportunity to take the next step in your career.