We’re on a mission to back the UK’s small businesses like no one else 🚀

Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks.

At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts.

We’re a high-performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better.

The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy 📈 Come and join a mission that matters!

[Read our Impact Report] | [See our Trustpilot]

The role ⚡

📍 London (Hybrid) | 🤝 2 days in the office | 💰 Competitive Salary + Benefits

We are looking for a Senior Software Engineer to join our Accounts & Card team.

Our Cards team, part of the Short Term Credit department, is a collaborative group of problem-solvers responsible for the end-to-end lifecycle of Funding Circle's high-frequency revolving credit product, specifically Cashback Credit card. As a Senior Software Engineer, you will be responsible for leading technical delivery and maintaining high-performance standards for card-related products. You'll work closely with talented colleagues to lead technical ideation sessions, solve complex problems spanning beyond the team, and drive data-driven decisions. This is an exciting opportunity to make a real impact while growing your expertise in an environment that values innovation, teamwork, and shared success.

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

What we’re looking for 🌱

We value deep expertise, but a growth mindset and good energy are what really make our team click. We’re a group that chooses to lift each other up and think smart every day.

Experience working with Python & Serverless
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
Able to architect custom AI solutions and smart automated systems that are safe, maintainable, and aligned with our long-term mission
Act as a technical bridge and mentor, training “builders" across the company to move from basic AI usage to sophisticated system creation.

We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.

Why join us? 💜

We back you to build an incredible career and by joining us, you'll be part of one of The Sunday Times Best Companies to Work For 2026! As a flexible-first employer, we use a "best of both" approach. We’ll see you in our London office to collaborate – with barista coffee and subsidised Just Eat lunches on us!

Our Circler Proposition focuses on five areas:

Flexibility: We provide a benefit allowance you can tailor to your own life and family.
Health: This includes private medical and dental, health assessments, and access to a digital GP.
Wealth: We offer life assurance, share schemes, and financial coaching.
Development: You get a dedicated annual learning allowance to help you level up.
Lifestyle: We have electric car and cycle-to-work schemes, plus season ticket loans.

We also have award-winning parental leave policies. We're here to support you through the big life moments, from fertility treatments to new additions to the family.