At a Glance
- Tasks: Develop and maintain features for a cutting-edge lending platform using PHP and AI tools.
- Company: Join the UK's largest finance provider in the medical and dentistry sectors.
- Benefits: Enjoy competitive salary, remote work options, and opportunities for professional growth.
- Other info: Dynamic team culture focused on collaboration and career advancement.
- Why this job: Make a real impact on financial technology while working with innovative AI-assisted development.
- Qualifications: 3+ years of PHP experience, strong understanding of Yii2, and a passion for fintech.
The predicted salary is between 63000 - 77000 £ per year.
We are the UK's largest finance provider in the medical and dentistry sectors. We operate a financial services platform that powers automated lending, loan management, and retailer financing solutions. Our platform processes applications, manages loans, handles payments, and integrates with credit reference agencies, lenders, and payment providers.
We're looking for a mid-to-senior PHP engineer to work on our core lending platform. You'll develop features across our automated decision engine, payment processing systems, lender integrations, and customer/retailer portals. This is a full-stack role with emphasis on backend PHP development, working on a mature codebase that handles real financial transactions and regulatory compliance.
We're an AI-forward engineering team - we use AI coding assistants to accelerate development and AI-powered code review to maintain quality. You'll be expected to use these tools effectively while maintaining high standards for security and correctness in financial systems. We are ISO27001 accredited and use security first principles.
- Develop and maintain features across application decisioning, loan management, and payment processing using AI-assisted development tools
- Build integrations with credit reference agencies (TransUnion, Equifax), lenders, and payment gateways
- Implement automated workflows using our event-driven architecture and decision engine
- Work on multi-tenant systems, ensuring data isolation and security
- Optimise database queries and caching for performance at scale
- Contribute to API development for internal and external integrations
- Write and maintain tests (unit, functional) using Codeception
- Participate in AI-assisted code reviews - both reviewing AI-generated code and using AI to review others' code
- Debug production issues involving financial transactions and third-party integrations
- Collaborate with AI tools effectively while maintaining ownership and understanding of all code
PHP & Yii2 Framework
- 3+ years PHP development experience (PHP 8.1+)
- Strong understanding of Yii2 framework (ActiveRecord, components, modules, behaviours)
- Experience with MVC architecture and OOP principles
- Understanding of PHP namespaces, traits, and modern PHP features
Database & Data
- Proficient in MySQL - complex queries, joins, indexing, optimisation
- Experience with database transactions and ensuring data consistency
- Understanding of read replicas and query optimisation strategies
- Comfortable with database migrations and schema design
Backend Development
- Strong understanding of RESTful API design and implementation
- Experience with authentication systems (API keys, OAuth, session management)
- Knowledge of queueing systems for background job processing
- Understanding of caching strategies (Redis)
Frontend & Design
- Proficiency in CSS (Flexbox, Grid, responsive design)
- Mobile-first design principles and responsive web development
- Experience with CSS preprocessors (Sass, Less) or modern CSS-in-JS
- Understanding of cross-browser compatibility and progressive enhancement
- Ability to translate designs into pixel-perfect, accessible UI components
General Software Engineering
- Git version control (branching, merging, rebasing)
- Experience with Docker for local development
- Understanding of software testing principles and practices
- Ability to read and understand large, legacy codebases
- Strong debugging and problem-solving skills
- Critical thinking - ability to review and validate AI-generated code for correctness and security
AI-Assisted Development
- Experience with AI coding assistants
- Understanding of prompt engineering for code generation
- Ability to effectively use AI for code exploration, refactoring, and debugging
- Experience reviewing AI-generated code critically, especially for security vulnerabilities
- Familiarity with AI-powered code review tools
- Understanding when to use AI assistance vs. manual coding
- Experience with semantic code search tools and LSP-based development
Financial/Fintech Experience
- Experience in fintech, lending, or financial services
- Understanding of credit decisioning, affordability assessments, or loan management
- Knowledge of UK financial regulations (FCA, GDPR)
- Familiarity with payment processing (Direct Debit/BACS, card payments, Faster Payments)
- Understanding of credit reference agencies and credit checking
Technical Skills
- Vue.js 3 for frontend component development
- Experience with event-driven architectures
- Knowledge of rule engines or workflow systems
- Experience with multi-tenant SaaS platforms
- Familiarity with open banking APIs
- Understanding of webhook integrations and handling asynchronous data flows
Integration Experience
- Working with third-party APIs (credit bureaus, payment gateways, lenders)
- Building reliable webhook handlers with retry logic
- API versioning and backwards compatibility
- Experience with Laravel or other PHP frameworks
- Knowledge of TypeScript
- Familiarity with CI/CD pipelines
- Understanding of UK credit reporting (CAIS)
- Experience with PDF generation (mPDF) and document management
- Knowledge of accounting/reconciliation systems
- Open Banking implementation experience
- Experience contributing to or maintaining AI coding documentation
Core Stack
- PHP 8.x, Yii2 Framework
- MySQL (with read replicas)
- Redis (caching, sessions)
- Vue.js 3, Vite
- Docker for local development
Key Libraries & Tools
- Composer for dependency management
- Codeception for testing
- Carbon for date/time manipulation
- Various payment gateway SDKs
Architecture
- Multi-application Yii2 setup (backend, frontend, retailer, API, console)
- Shared common codebase with 300+ ActiveRecord models
- Event-driven architecture with trigger/action system
- Rule-based decision engine
- Queue-based background job processing
- RESTful APIs
AI-Forward Engineering Culture
- Work with cutting-edge AI development tools to boost productivity
- Learn to effectively prompt and guide AI assistants for complex tasks
- Participate in pioneering workflows combining human expertise with AI capabilities
- Help shape best practices for AI-assisted development in financial services
- Maintain the critical balance between AI acceleration and human oversight for sensitive financial code
Complex Domain
- Work on a comprehensive lending platform with automated decisioning, loan lifecycle management, payment processing, and regulatory compliance
- Learn about credit underwriting, affordability assessment, and UK financial services
Scale & Reliability
- Handle real financial transactions requiring accuracy and audit trails
- Build systems that integrate with banks, credit bureaus, and payment providers
- Work on multi-tenant architecture serving multiple retailers and lenders
Technical Depth
- Navigate a mature codebase with AI assistance
- Optimise database queries and caching for performance
- Build reliable webhook handlers and event-driven workflows
- Implement complex business rules in the decision engine
Full Stack Scope
- Backend API development and business logic
- Frontend components in Vue.js
- Database design and optimisation
- Third-party integrations
- Console commands and background jobs
- Attention to detail - financial systems require precision; AI suggestions must be validated
- Problem solver - comfortable debugging complex issues across multiple systems
PHP Laravel Software Engineer – Lending Platform employer: Larabench
X-on Health is an exceptional employer located in Melton, United Kingdom, offering a dynamic work culture that fosters innovation and collaboration among its team members. With a strong focus on employee growth, the company provides ample opportunities for professional development and encourages participation in architectural discussions and best practices. Employees benefit from working in a supportive environment that values continuous improvement and embraces the latest technologies in the healthcare sector.
StudySmarter Expert Advice🤫
We think this is how you could land PHP Laravel Software Engineer – Lending Platform
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We think you need these skills to ace PHP Laravel Software Engineer – Lending Platform
Some tips for your application 🫡
Show off your coding skills:When applying for a software engineering role, it's super important to showcase your coding skills. Make sure your CV includes your tech stack, any relevant programming languages you’re comfortable with, and examples of projects you've worked on. If you have a GitHub profile, link it up! We love to see code in action.
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While technical skills are key, full-time positions also require cultural fit. Be ready to discuss our previous experiences and how we handle teamwork, conflict, and deadlines. Brush up on the STAR method—Situation, Task, Action, Result—to clearly articulate our past experiences when discussing how we've contributed to a team.
