Senior Software Engineer - Credit

Ambition has no passport. That belief is why LemFi https://lemfi.com/en-gb/careers exists. We're the financial engine for people the world wasn't built to serve, the millions who move countries to build something better and find the financial system hasn't caught up with them yet. We started with remittances: the money people send home to the people they love. Now we run multi-currency accounts, Savings, eSIMs and Credit. Because staying connected to home and building somewhere new are not two separate things. They never were. ABOUT THE ROLE LemFi's Credit tribe is early and moving fast. We're building the infrastructure that will power lending products for millions of people who've historically been locked out of fair credit - immigrants, diaspora communities, and the financially underserved across our 21 operating markets. This is a ground-floor opportunity: the tribe is being built right now, and the systems you design today will be the foundation everything else sits on. 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. WHAT YOU'LL BUILD AND OWN • 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. YOUR EXPERIENCE • 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. • 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. • Solid grasp of distributed systems design: event-driven architecture, service boundaries, data consistency, and failure modes. • 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. • Comfortable operating with autonomy in an environment where the spec is never fully finished and the team is still being built. NICE TO HAVE • Direct experience building credit decisioning, risk scoring, or loan management systems. • Experience in a high-growth startup or scale-up where you helped establish engineering foundations from scratch. • Familiarity with regulatory and compliance constraints specific to consumer credit (e.g. FCA, data protection requirements for credit data). WHY JOIN LEMFI? Your work here puts money back into families' pockets. That's the reward, and the weight of it. You'll take on some of the hardest problems in finance alongside people who do their best work when the stakes are real. We move fast and we expect a lot, because our customers can't afford for us to do otherwise. In return you get room to own real problems, global impact you can see, and a team that won't slow you down. Bring grit and ownership and there's a place for them here. Ambition belongs here, come and show us yours. Follow us on LinkedIn https://www.linkedin.com/company/lemfi/ and Instagram https://www.instagram.com/uselemfi/ and if you haven't already, download the app on the App Store https://apps.apple.com/gb/app/lemfi/id1533066809 or Google Play https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android. Don't feel that you're right for this role, but want to submit your interest in working for LemFi? You can join our talent community https://jobs.ashbyhq.com/lemfi/form/talent-community to stay in touch for future opportunities. RECRUITMENT AGENCIES NOTICE LemFi does not accept unsolicited CVs from recruitment agencies. We work only with agencies on our preferred supplier list, and only when we’ve asked them for their support. Any CVs sent to us outside this arrangement will not incur a fee.