Staff Software Engineer, Multi-Product Experience

We're more than just a lending platform; we back small businesses to succeed. We contribute billions each year to the UK's GDP and help create hundreds of thousands of jobs. We're proud to have built something bigger than each of us alone.

We are on a mission to back small business owners in the UK in a way that no other company can. To succeed, we’ve built a high-performing team that has the restless energy of a FinTech start-up combined with the stability of a public company. Our culture is defined by people who take ownership and run with it, ensuring that everyone has the platform to contribute their unique ideas. We measure our success not just by what we achieve individually, but by the collective impact we have on our customers and each other.

We believe the fastest way to grow is to do - so we give you the ownership and responsibility to go further, faster. The more you put in, the more you get out - whether you're starting out or taking your next step.

We're a driven team who choose to lift each other up - we challenge, we champion, and we have each other's backs. Because the best work is done when you feel you truly belong.

Nothing stays still here; we're constantly improving, changing, and spotting new opportunities. We're builders. Our people can switch direction quickly, see things differently, take ownership and run with it.

We are passionate about collaboration and work in cross-functional teams to deliver for our customers. We live by our company values and celebrate our diversity in all its wonderful forms. We Stand Together, as one.

We truly believe in creating a company people want to be part of, where they can be themselves, and learn and grow in whatever way makes sense for them. We do this through empowerment and ownership, celebrating the successes (both big and small!) as we go.

Because of that, we are a hybrid-first workplace and you can typically expect to spend three days each week (two if you're in one of our tech teams) in our newly refurbished central London office. We very much believe in and support all variations of flexible working; we know that life doesn’t always fit into neat little boxes and we’re here to ensure you can strike the balance you need every step of the way.

Funding Circle has a culture of stepping up. We want our people to grow and develop. We back Circlers to build their incredible careers with us at Funding Circle and support paths for progression within all of our teams.

We are also huge fans of squiggly careers, as we know that not all progression is linear. We empower Circlers to learn new things, to develop skills outside of the remit of their roles and support them in their pivot when the time is right.

Our proposition to Circlers is more than just a paycheck; we provide a wide range of benefits and policies centred around four key pillars: your Health, your Wealth, your Development, and your Lifestyle.

Whether it’s taking that next step in your professional development through courses and accreditations, moving into a new stage of life such as homeownership and parenthood, or supporting your mental or physical health, we’ve got something to help you thrive.

Our Talent team will always be transparent with you about our hiring budgets. Offers to join us are based on the value that we believe an individual can bring to a role, and are not biased by recent salary or future expectations. We benchmark our salaries internally against comparable roles to ensure fairness, and externally across our industry so that they reflect the experience that you can bring to the team.

Each year our performance and compensation review cycle ensures pay adjustments are in line with individual contribution as well as our company performance.

We aim to:

• Be competitive to attract high performers (and retain them!)
• Act fairly and consistently with our salary banding and role hiring budgets
• Stay on top of the data and adjust our benchmarks regularly

We know that it’s not a one-size-fits-all approach to hiring and no two processes are exactly the same. We regularly audit our processes to ensure we’re offering a seamless and transparent experience to our candidates. Most of our processes are built around the below:

1. Talent Partner Phone Screen: Your first insights into life as a Circler; your talent partner will talk you through the Funding Circle journey and how the role you’re interviewing for fits into our mission.
2. Lifting the hood on the role and responsibilities; you’ll meet with your potential future manager and talk through your skills and experience that align to the requirements.
3. Ways of Working Onsite or Video Interviews (1-2): Getting into the details with teammates, stakeholders or technical SMEs; you’ll be tested on your ability to do the role.

As a Staff Engineer within our MPX domain you’ll:

• Collaborate with product leadership early to understand the business goals and shape the technical direction to deliver on it.
• Translate this into a target system and data architecture with clear milestones to iterate towards it.
• Have strong technical documentation skills and are able to write clear and thorough technical designs and standards.
• Proactively identify and leverage the latest Generative AI tools and techniques to drive innovation and transform our engineering processes.
• Actively coach Lead Engineers, giving them feedback on their solutions, and guardrails for making decisions.
• Perform deep-dives and troubleshoot issues in a hands-on capacity.
• Interact with different stakeholders and present technology solutions, risks and trade-offs to any audience across Funding Circle.
• Take accountability for high-level solution design and technology decisions within your Group.
• Have sound commercial acumen and a solid understanding of how tech drives the top and bottom line.
• Represent Funding Circle externally at events, leveraging your network to share industry trends and insight.

What we’re looking for:

• A curious mindset and an ability to continuously improve the Technology function.
• An engineering leader who can lead on solving high-level problems, whilst also deep-diving into technical challenges.
• Strong technical documentation skills.
• Experience in at least one major Programming language (e.g. Python, Ruby, Java).
• A strong fundamental programmer (data structures, algorithms).
• Familiar with developing on Unix/Linux.
• Knowledgeable of Agile, Scrum, BDD, TDD and CI/CD.
• Experienced in delivering mission-critical, high-value products, and services.
• A strong passion for and proven experience in adopting and applying emerging technologies, particularly Generative AI.

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.

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.

Ready to join a mission that matters? We’d love to chat!