Senior Software Engineer

Our Mission At Ophelos, we believe in a different way to deal with debt. One that puts empathy and understanding front and centre, approaching our customers as individuals — no matter what they’re going through. For too long, people in debt have borne the brunt of poor industry practices. Intimidating tactics, time-consuming customer service and a one-size-fits-all approach that overlooks the reasons anyone can fall into debt in the first place. Meanwhile, businesses suffer too. Poor customer experience translates to poor customer satisfaction, high churn rates, bad brand reputation and ultimately missed opportunities. That’s why we’re taking a radically different approach. Pioneering an industry-first AI-native collections platform, we build products that help individuals clear their debts in a way that suits them, whilst providing businesses with an improved customer experience and game-changing insights into their customer base. Since our launch in 2021, we’ve worked with some of the UK’s leading companies, including Octopus, Scottish Power and Philips — helping millions of people move toward a more stable, debt-free future. In 2023, we were acquired by Intrum, Europe’s biggest credit management service and have begun the next phase in our growth — expansion into 17 European markets over the next two years.

We are seeking an enthusiastic and ambitious Senior Software Engineer with a keen eye for quality to join our growing Engineering function. You will be joining our Payments squad, responsible for building out our cross-market flexible Payments capability. This is a team which has recently transitioned to being “LLM-first” in their working style, so you would be joining at a critical moment to shape our ways of working and our approaches to LLM-based tooling.

In this role, you’ll get to:

• Design, implement and deliver software features with full ownership from start to finish.
• Collaborate as part of a close & multi-disciplinary team.
• Your work will have meaningful and measurable impact on our organisation and products.
• Own business-critical components and ensure their stability and maintainability.
• Mentor other members of the team to ensure technical excellence and continuously raise the bar when it comes to engineering standards.
• Share your ideas with the team and build products that make an incredibly impactful difference to society and people’s lives.

Ophelos Tech is an AI-first technical organisation, and effective use of LLMs are central to how our Engineers work. Claude Code, Codex, and OpenSpec are critical tools in our toolbox. The right person for this role should be excited and motivated to work in this AI-first world. Stack-wise, we run TypeScript, Python, and Ruby at various levels in our stack – for this role we are really seeking a polyglot Software Engineer for whom specific implementation language is not critical. Elsewhere in our stack, we make use of:

• the FastAPI web application framework.
• PostgreSQL (via PlanetScale) as our application-level data backend.
• Databricks as our “data lakehouse”.
• Temporal for workflow automation.
• Claude Code for LLM-first Software Engineering.
• OpenSpec for LLM-powered specification-driven development.
• Datadog for monitoring & observability.
• AWS & Kubernetes as our cloud-based infrastructure platform.
• Ruby & Rails powering our legacy application.
• TigerBeetle to power our financial ledger.

Ophelos Tech operates hybrid working, and believes face-to-face working time is essential for planning and alignment. Our teams spend two days each week working in-person from our comfortable office near Liverpool Street in London.

About you: More than anything we are interested in your general experience as a software developer and your approach to solving problems, however, some experience in the following is important for this role:

• You should have at least 5 years of experience in Full Stack Engineering.
• Experience with TypeScript (or Python, Ruby or other similar high-level language).
• You enjoy learning new technologies and are passionate about experimenting to figure out how to build things in a better way.
• Experience and enthusiasm for using the latest LLM tools – Claude Code, Cursor, Codex is critical, as is the intent to continue developing your skills using agentic LLMs as the software engineering landscape continues to develop.
• Attention to detail, intellectual curiosity & a willingness to embrace the changing technical landscape we find ourselves in.
• An understanding of web programming & familiarity with web frameworks e.g. FastAPI, Ruby on Rails.
• You are excited about Ophelos’ mission to support households and businesses to break the vicious debt cycle.

Our Values: Supporting customers and businesses to improve their financial health is a long-term mission. Our company values act as our north star, steering our every move as an organisation and are the backbone of our unique company culture. Our values and culture allow us to stay true to our larger purpose, even as we continue to grow at a rapid pace.

• Customers and Clients first – We exist to help real people move through debt and to get clients paid back. This commitment drives how we design products, deliver services, and interact with customers and clients daily.
• Dream big – We have ambition and drive to succeed - we’re not just raising the bar, we’re confidently asserting ourselves as the benchmark.
• Get it done – We’re decisive and embrace a sense of urgency; we don’t let opportunities get away from us. We’d rather act quickly and take informed risks, iterating and learning as we go.
• Win as one - We work as one team, supporting each other and aiming for shared goals. At Ophelos, the team isn’t just individual departments - it’s all of us together. We challenge and support each other because we care about everyone’s growth and success.

Ophelos is committed to creating a diverse work environment and is proud to be an equal opportunity workplace, providing equal employment and advancement opportunities to all team members. We are building an environment where every Ophelos team member can thrive, feel a sense of belonging, and do the best work of their careers. We value diversity and recruit, hire, and promote individuals solely based on talent, qualifications, competence, and merit. We evaluate candidates without regard to race, colour, religion, age, sex, sexual orientation, gender identity, national origin, disability, or other protected characteristics as required by law and as a matter of our company values.