Software Engineer – Engineer II (Level 3) – Backend / Platform
At Fluro, we’re on a mission to create a lasting, positive change in the credit industry. As a
fast-growing fintech team, we’re building pioneering, fair and accessible digital finance
products designed for the UK market-driven by a belief that finance can be a force for good.
From our brand to our environmental footprint, we care about the details and do things
with purpose.
We foster a highly collaborative culture that values both collective progress and individual
autonomy. Whether you’re an experimenter or strategic thinker, you’ll find the freedom to
work in a way that suits you best, while making real impact. Innovation is central to how we
operate, and we’re not afraid to try new things (and sometimes fail) in pursuit of better
solutions.
Fluro is proud to be an equal opportunities employer. We’re committed to building for
good-for all people. That means listening more than speaking, and creating space for diverse
experiences, backgrounds, and voices to shape our future. If you’re passionate about
making finance fairer, smarter, and more human, we’d love to hear from you.
Role
We’re looking for a talented Software Engineer to join our engineering team remotely. You’ll work on the services and APIs that power Fluro’s lending platform: the systems behind our customers’ loans and financial products. Our backend is built on AWS, with services written in Kotlin and PHP, including the GraphQL backend that serves our mobile app. Sitting within the product and engineering team, you’ll collaborate closely with other backend engineers, our mobile developers and product managers to deliver a secure, reliable and scalable platform.
This is an Engineer II (Level 3) role.
You’ll deliver work without supervision from senior team members, taking full ownership of well-scoped projects end-to-end – from gathering requirements through to validating outcomes. You’ll make sound technical decisions within your domain, balance delivery against long-term sustainability, and support the growth of more junior colleagues.
• Design, build, and maintain backend services and APIs on AWS using Kotlin and PHP,
including our GraphQL mobile backend
• Take full ownership of the delivery of projects end-to-end, independently gathering
requirements, proposing solutions, and validating outcomes
• Deliver moderately complex, scalable and maintainable solutions, balancing short-term
delivery needs with long-term technical sustainability
• Integrate backend services with internal systems and third-party providers, including
payment providers, SMS services, address lookup and financial services / credit data
providers
• Implement and maintain secure authentication and data-handling flows, compliant with best
practices for financial applications
• Design testable, repeatable solutions, drawing on past experience to critically assess
whether outputs meet the intended outcome and researching new approaches where
needed
• Take accountability for the quality, efficiency and long-term impact of your work, proactively
identifying and addressing technical debt
• Build effective relationships across teams and functions, engaging proactively with
stakeholders including Product and Operations to align on solutions and manage risks and
issues independently
• Communicate technical decisions and trade-offs clearly to both technical and non-technical
audiences, contributing ideas and feedback in discovery discussions and championing
technical excellence pragmatically
• Mentor junior colleagues and new joiners, giving structured feedback and actively
supporting their growth
Software Engineer in London employer: Fluro
At Fluro, we pride ourselves on being an exceptional employer, offering a dynamic and inclusive work environment that champions innovation and collaboration. As a Credit Risk Analyst, you'll have the opportunity to contribute to meaningful projects that aim to transform the credit industry for the better, all while enjoying a culture that values your individuality and professional growth. With a commitment to equal opportunities and a focus on making finance fairer, Fluro is the perfect place for those looking to make a real impact in the fintech space.
