Software Engineer – Banking Services

LHV Bank Limited is a UK‑licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023.

The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment.

Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed‑rate bonds for long‑term savings, and debit cards. Customers can conveniently access these services through the LHV App, enabling secure account opening and management.

About the Role

As a Software Engineer at LHV, you’ll help build and maintain the systems that power our Banking Services platform. You’ll design and develop scalable backend services, work with modern cloud‑native technologies, and contribute to the continuous improvement of our engineering practices. This role is ideal for someone who enjoys solving technical challenges, collaborating across teams, and writing clean, reliable code that delivers real value to customers.

Key Responsibilities

• Design, develop, and maintain services that support LHV’s retail platform and third‑party integrations.
• Write clean, efficient, and maintainable code, following best practices and team standards.
• Take ownership of mid‑sized features from design through to deployment.
• Participate in code reviews, providing and receiving constructive feedback.
• Write and maintain unit and integration tests to ensure reliability of services.
• Debug and resolve issues in distributed systems.
• Contribute to improvements in automation, testing, and CI/CD pipelines.
• Work closely with product owners, analysts, and engineers to deliver high‑quality solutions.
• Contribute to technical discussions, proposing improvements in design, architecture, or processes.
• Mentor junior engineers, sharing knowledge and supporting their growth.
• Communicate progress, risks, and challenges effectively with stakeholders.
• Stay up to date with modern tools, frameworks, and industry best practices.
• Build knowledge of financial services and regulated environments.
• Actively participate in team knowledge‑sharing and retrospectives.

Required Skills

• Solid experience in software engineering, ideally with backend systems.
• Proficiency in Kotlin or Java with willingness to upskill to Kotlin.
• Confident with different types and levels of data stores, such as Cache, SQS and NoSql.
• Familiarity with cloud environments, ideally AWS.
• Experience with distributed systems and containerised applications (e.g., Kubernetes).
• Understanding of DevOps practices and CI/CD pipelines.
• Strong debugging and problem‑solving skills.
• Good communication skills and a collaborative, team‑first mindset.
• Experience with gRPC or other service‑to‑service communication frameworks.
• Exposure to AWS services such as EventBridge, Step Functions, SQS, DynamoDB or Lambda.
• Experience with GitHub Actions.
• Background in financial services or regulated industries.
• Interest in system scalability, resilience, and continuous improvement.

What we’re looking for

• Doer mindset – you like to make progress, not just plans.
• Product‑oriented – you care about building systems that solve real user problems.
• Curious and hungry – you want to keep learning and pushing boundaries.
• Team‑first – you thrive on collaboration and shared ownership.

Some of our benefits

• Competitive salary & lots of opportunities to learn, grow and progress professionally.
• Open and inclusive culture.
• Fantastic offices and great working environment.
• Vitality Health Plan (includes private health insurance, travel insurance, gym discounts).
• Life assurance – 4× salary.
• Income protection insurance – 75%.
• 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year.
• Swappublic/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.
• Enhanced family friendly and family forming policies.
• Access to a wide range of retail discounts.
• Team socials.