Senior Software Engineer (Credit)
Posted
- We’re looking for a Senior Software Engineer to join the Credit tribe and own core backend services end-to-end
- You’ll be working primarily in Go, with some existing Java services in the mix - switching between them is not the blocker, deep engineering craft and an instinct for how credit products behave is
- We move fast and we don’t micromanage, which means you’ll need to bring the domain awareness to make the right call before anyone has to tell you
- Design, build and operate high-reliability backend services that power LemFi’s credit products, from loan origination and underwriting through to repayment and collections
- Make the right architectural calls independently - data residency, service boundaries, state-machine design for loan lifecycles - without needing to be told what a credit-safe system looks like
- Own your services in production: instrument them, monitor them, debug them, and hold the bar on reliability and correctness
- Work closely with product and compliance to translate credit-domain requirements into clean, testable, maintainable code
- Use AI coding tools actively to accelerate delivery and improve test coverage, while taking full ownership of the correctness of every line that ships
- Contribute to growing the tribe - as one of the earliest engineers you’ll help set the engineering culture, review others’ work, and raise the bar on how we build
- Exposure to credit products (lending, underwriting, repayment, collections) at any level - even adjacent - so you arrive with the right instincts, not just a willingness to learn them
- Comfortable operating with autonomy in an environment where the spec is never fully finished and the team is still being built
- You care about correctness and data integrity as much as velocity - you’ve worked in environments where getting it wrong has real consequences for real people
- Solid grasp of distributed systems design: event-driven architecture, service boundaries, data consistency, and failure modes
- Strong backend engineering in Go; Java experience is a plus given our existing services, but Go is the primary language
- Meaningful fintech experience - you understand how financial systems behave under load, under regulation, and under audit
- Familiarity with regulatory and compliance constraints specific to consumer credit (e.g. FCA, data protection requirements for credit data)
- Experience in a high-growth startup or scale-up where you helped establish engineering foundations from scratch
- Direct experience building credit decisioning, risk scoring, or loan management systems