Credit Kudos is a venture-backed fintech startup and challenger credit bureau that uses financial behaviour to measure creditworthiness. Our technology transforms the way credit checking and credit scores work by generating a more accurate and holistic view of a borrower's creditworthiness. We’re working with lenders to help them make better, fairer credit decisions and with consumers to help them access fair, affordable credit.
We’re building a credit bureau the right way - with the customer involved and transparent throughout. We’re looking for talented and creative engineers who share our vision.
We're looking for ambitious engineers
Our company is growing and we're searching for the next generation of experienced engineers to both help shape and nurture our engineering culture as we grow and deliver high-quality products for the benefit of the whole population.
We have people with backgrounds in massive companies, small companies, and a couple for whom this is their first job. We’re looking for people who want to learn and grow as much as lead and coach; if that sounds like you, we’d love to hear from you.
We work closely together as a company
We’re a small team with a big vision, so no-one specialises too much - we wear many hats week-to-week. We’re grappling with a large problem so there are plenty of challenges to be faced but we face them one sprint at a time. Your role here would see you working with the founders of the company and the rest of the team on a wide range of issues to bring our vision of a better credit bureau to reality.
You can work with a host of great technologies
To give you a flavour of our technical stack, we use:
Should you apply?
(Yes!) We’re looking for people who:
What we value:
**What you’ll get: **
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We're Checkout.com
We're building the connected finance businesses deserve. Unleashing them with tomorrow's technology, today. Our flexible payments solutions help global enterprises — like Samsung, Deliveroo and Adidas — launch new products and create experiences customers love. And it's not just what we build that makes us different. It's how.
We liberate smart, passionate people to collaborate, innovate and do their best work — faster. That's why we're one of the most valuable fintech firms around. But we're just getting started. By cutting through financial complexity, we'll empower companies to change the world. Join us. Unlock your potential.
Build tomorrow, today.
Senior Software Engineer at Checkout.com:
Our solutions allow merchants to route dynamically a transaction to the best payment provider to optimise their conversion rate. Your main task will be to design and create or maintain micro-services within our infrastructure. Our product handles millions of transactions within a week. The API has its key part on it but the load is also on a multitude of other services.
You will work closely with our technical teams to learn about the possible technical bottle-necks. We have implemented different technologies such as Go (go-kit toolkit, gRPC…), Kubernetes, AWS, PostgreSQL and many others. Your role would be to lead us to new technologies that our product can benefit from.
Our product handles financial data making uptime one of our key KPIs. We expect that you will be able to work on high-availability and technically challenging programs.
You will join a talented team of 10 engineers, Data Scientists and DevOps, that are tech-passionate, working closely with most of them. Our main goal is to ensure that we can contribute to your personal growth as an engineer.
Payments are often compared to a black-box. Merchants around the world have issues understanding how their performance is and what optimization can be done. Our team is focused on building the best payment performance tool there is. It allows merchants to better understand their online processes as well as offline payments.
We offer 2 products to our merchants:The first, named Telescope, allows us to analyse, understand and make recommendations to a merchant. It does not require any technical integration from them and works mainly through webhooks, pulling data from APIs or parsing exported files.
If you don't meet all the requirements but think you might still be right for the role, please apply anyway. We're always keen to speak to people who connect with our mission and values.
#LI-RS2
What we stand for
At Checkout.com, everything starts with our values, including the experience we offer our people.
#Aspire
We supercharge your professional growth with career development programs and leadership training. You can learn your way, with tailored pathways and online platforms. And be inspired at relevant conferences.
#Excel
We don't stop at 'good' here. We strive for excellence amongst our teams every day and recognize colleagues who take it to the next level through our quarterly peer-nominated Hero awards.
#Unite
We're proud of our global connections and inclusive environment. So we champion this through our colleague-led community groups and celebrate many cultural events together.
More about Checkout.com
We empower businesses to adapt, innovate and thrive with the connected payments they deserve. Our technology makes payments seamless. We provide the fastest, most reliable payments in more than 150 currencies, with in-country acquiring, world-class fraud filters and reporting, through one API. And we can accept all major international credit and debit cards, as well as popular alternative and local payment methods. Checkout.com launched in 2012, and we now have a team of 1000 people across 17 international offices. To date, we’ve raised a total of $830 million, with our recent Series C valuing us at $15 billion.
We believe in equal opportunities
Checkout.com is an equal opportunities employer. We welcome applications from all members of society irrespective of age, sex, disability, sexual orientation, race, religion, or belief. We make recruiting decisions based on your experience, skills and personality. We believe that employing a diverse workforce is the right thing to do and is central to our success.
Please note: we get lots of successful applications for Backend Engineer, so there could be a delay in scheduling interviews from the initial stage right up until the final interviews. If you're invited to interview and you have any immediate time pressures, please let us know, as we'll always do our best to speed things up for you 😊
Our backend engineers have a variety of different backgrounds
We have several non-graduates; only some of us studied Computer Science; one of the team has a degree in Marketing; some of us have worked in huge companies; some have only ever worked in startups; others are former consultants. As long as you enjoy learning new things, we’d love to talk to you.
We encourage an open and transparent working environment
You can get involved in any aspect of the business you are interested in and,following Stripe’s example, all emails in the company are visible in an email archive. We regularly run hackathons in which people build things on our third party API and we contribute to open source software as much as possible. We’ve also made ourproduct roadmap public and give sneak peeks of features in our community forum. Our blog is a good place to learn even more about what we do!
Monzo works in project-based sprints in small, interdisciplinary teams
We have around 150 engineers out of roughly 800 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.
At Monzo you will get to work with a lot of exciting new technology.
We rely heavily on the following tools and technologies:
Go to write our application code (there’s an excellent interactive Go tutorial here)
Cassandra for most persistent data storage
Kafka for our asynchronous message queue
Envoy Proxy for RPC
Kubernetes and Docker to schedule and run our services (Oliver,our Head of Engineering, gave a great talk at KubeCon on how we use these technologies)
AWS for most of our infrastructure
React for internal web dashboards
We also have two physical datacenter sites with actual cables to connect to various third parties
You should apply if:
the work we’re doing sounds exciting!
you want to be involved in building a product that you (andeveryone you know) use every day
you’re keen to learn more about new technologies and the arcane inner workings of the financial industry
you’re comfortable working in a team that deals with ambiguity
you’re interested in distributed systems and writing resilient software
you have some experience with strongly-typed languages (Go,Java, C, Scala etc.).
At the moment, the following teams are looking for backend engineers:
Product The product backend team work primarily on creating backend services and APIs for our in-app user-facing features. They work closely with our mobile engineers and designers to create a delightful user experience, and to drive growth and retention. Projects that Product backend engineers have worked on recently include Summary (giving people insight into their finances to empower them to spend sensibly) and the Current Account Switch Service (all the hard work to allow users to move to Monzo quickly and easily).
Lending The Lending team works on making borrowing money simple, fair and transparent. They've already shipped and scaled overdrafts to hundreds of thousands of Monzo customers and they've made it easy to take out a loan without the unfair fees or confusing pricing that you find elsewhere. They work on everything from the way borrowing works in the app, right down to how they move and account for money that our customers borrow. One of the most interesting problems they face is deciding how much to lend and to whom. The team believes that they can make access to credit fairer and more transparent.
Logistics
We can help you relocate to London, we can sponsor visas, and we're open to remote working (as long as you can spend around 20% of your time in London).
We offer competitive salaries based on skills and experience, which could be anywhere between £40,000 - £100,000 per year.
We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance.
We’re continually hiring for Backend Engineers! Our interview process typically consists of an initial phone screen, a take-home code task, and a half-day on-site interview. We promise not to ask you any brain teasers or trick questions, and we won't make you code on a whiteboard
Questions about this role? Head over to our careers page to read our FAQs (www.monzo.com/careers) or email tech-hiring@monzo.com
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At Curve, we are on a mission to simplify and unify the way people spend, send, see and save money. Centralising your money into a smart card, connected to an even smarter app. With Curve you can spend from all your accounts, track spend behaviour and provide insights, and security to protect you from fraud. For the first time giving you bright insights and control of all your money in one place.
We're developing a ground-breaking product with our customers at the core. Our user base is growing rapidly and we have exceptional metrics. We have funding from some of the leading names in tech investment, and a visionary leadership team who wants everyone who joins this remarkable adventure, to have the autonomy to masterfully develop their expertise.
Languages PHP, GO
Messaging RabbitMQ (and maybe Kafka in the future)
Data Snowplow, Python for the ETL
Our development practises include TDD, BDD, Scrum
Database PostgreSQL, MongoDB, Redshift
Mobile IOS/Android; Objective-C/Swift/Java/Kotlin
Our devops culture includes CI, CD, Docker, Kubernetes, Istio & Envoy, AWS
Our ideal team member will have the following talents, skills & experience
2+ years of software development experience
In-depth knowledge of more than one software language among Golang, Java, C++, with Go experience preferable but not essential
Experience of building microservices; ideally deployed in Docker containers on Kubernetes
Experience of agile development practices
Experience with RDBMS & NoSQL datastores
Bonus points for real-time low latency high frequency transaction based systems
Ability to diagnose problems at any level (Client, HTTP/Network, Server, Database, OS)
Demonstrable experience of building large concurrent applications
Bonus points for experience of developing and shipping mobile apps to the App or Play store
Experience of developing and running large scale production environments in or closely with DevOps / SRE
A genuine interest in working in a fast paced startup and ideally Fintech
Voracious appetite for learning