Lead Engineer - Digital Lending - US Expansion

At OakNorth, we’re on a mission to empower the UK’s most ambitious businesses. Since 2015, we’ve lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.

Team Mission

We power OakNorth's relationship-led lending with modern, modular tools across origination, underwriting, execution, and portfolio monitoring.

The Role

• Lead a squad of 4-6 Full Stack Engineers.
• Responsible for technical delivery and ensuring the squad understands and focuses on the goal.
• Design resilient, scalable solutions for event-driven and distributed systems.
• Break down complex problems into incremental deliverables with clear architecture and domain boundaries.
• Measure your success in terms of business impact, not lines of code.
• Embrace DevOps culture: You build it, you run it.
• Prefer simple solutions and designs over complex ones.
• Influence architecture across the broader platform, making pragmatic, forward-thinking decisions.
• Coach and mentor engineers, guiding both their technical and professional development.
• Collaborate with stakeholders to translate business needs into high-quality technical outcomes.
• Collaborate with designers on frontend work with attention to detail.
• You are a broad thinker with the capability to see the impact of decisions across the wider business.
• Utilise GenerativeAI: Leverage GenAI tools to increase productivity and enhance decision making processes within the role.

Nice to Have Skills

• Experience with AI/LLM integrations and Generative AI applications.
• Knowledge of intelligent document processing and NLP techniques.
• Familiarity with vector databases (e.g., Pinecone, Weaviate) and search platforms (e.g., OpenSearch, Elasticsearch).
• Exposure to agentic workflows or orchestration frameworks for multi-step AI reasoning, and familiarity with MCP (Model Context Protocol).

Tech stack

• Python
• PostgreSQL, BigQuery, MySQL
• TypeScript, React, styled-components
• Jest, React Testing Library, Cypress, pytest
• AWS, GCP
• ECS Fargate, Docker, Terraform, GitHub Actions

How we expect you to work

• Collaborate - We work in cross-functional, mission driven, autonomous squads that gel over time. We pair program to work better through shared experience and knowledge.
• Focus on outcomes over outputs - Solving a problem for users that translates to business results is our goal. Measurements focused on that goal help us to understand if we are succeeding.
• Practice continuous improvement - We optimise for feedback now, rather than presume what might be needed in the future and introduce complexity before it will be used. This means we learn faster. We share learnings in blame-free formats, so that we do not repeat things that have failed, but still have confidence to innovate.
• Seek to understand our users - We constantly seek understanding from data and conversations to better serve our users' needs, taking an active part in research to hear from them directly and regularly.
• Embrace and enable continuous deployment - Seamless delivery of changes into an environment without manual intervention is essential for us to ensure that we are highly productive; consider resiliency; and practice security by design.
• Test outside-in, test first - TDD keeps us confident in moving fast, and deploying regularly. We want to solve user problems, and so we test with that mindset - writing scenarios first, then considering our solution; coupling tests to behaviour, rather than implementation.
• You build it, you run it - We embrace DevOps culture and end-to-end ownership of products and features. Every engineer, regardless of their role, has the opportunity to lead delivery of features from start to finish.
• Be cloud native - We leverage automation and hosted services to deliver resilient, secure services quickly and consistently. Where SaaS tools help us achieve more productivity and better quality results for a cheap price, we use these to automate low value tasks.

How we expect you to behave

• We embrace difference and know that when we can be ourselves at work, we are happier, more motivated, and creative. We want to be able to bring our whole selves to work, have our own perspectives and know that we belong.
• A wide range of voices heard to the benefit of all.
• Teams that are clearly happy, engaged, and laugh together.
• Perceivable safety to have an opinion or ask a question.
• No egos - people listen to and learn from others at all levels, with strong opinions held loosely.

What makes working here better

• This is a truly hybrid role, offering engineers the flexibility to work from home while also providing opportunities to collaborate in person with the team when it adds value.
• Work-life balance - 25 days holiday (plus bank holidays) each year, and enhanced family leave allowances.
• Competitive salary & equity - We want people to have a serious stake in the business.
• Good kit - Your choice of the best laptop, running macOS.
• Team socials - The opportunity to get to know each other outside of work.
• Company socials - A chance to catch up and meet new colleagues weekly over informal office breakfasts, lunches and dinners on OakNorth - or at our free barista bar every day.
• Commuter support - We offer the cycle to work and EV scheme.

About Us

We’re OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace. Banking should be barrier-free. It’s a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools.

And for those who love helping businesses thrive? Our savings accounts help diversify the high street and create new jobs, all while earning savers some of the highest interest on the market. But we go beyond finance, to empower our people, encourage professional growth and create an environment where everyone can thrive. We strive to create an inclusive and diverse workplace where people can be themselves and succeed.

Our story

OakNorth Bank was built on the foundations of frustrations with old-school banking. In 2005, when our founders tried to get capital for their data analytics company, the computer said ‘no’. Unfortunately, all major banks in the UK were using the same computer – and it was broken. Why was it so difficult for a profitable business with impressive cashflow, retained clients, and clear commercial success to get a loan? The industry was backward-looking and too focused on historic financials, rather than future potential. So, what if there was a bank, founded by entrepreneurs, for entrepreneurs? One that offered a dramatically better borrowing experience for businesses? No more what ifs, OakNorth Bank exists.