Europe Arbeitnow ·
full-timeSenior Software Engineer - Credit
Lemfi · London
LemFi (Series B) is building the go-to financial app for the Global South. Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live. What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth. With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity. About the role LemFi's Credit tribe is early and moving fast. We're building the infrastructure that will power lending products for millions of people who've historically been locked out of fair credit - immigrants, diaspora communities, and the financially underserved across our 21 operating markets. This is a ground-floor opportunity: the tribe is being built right now, and the systems you design today will be the foundation everything else sits on. We're looking for a Senior Software Engineer to join the Credit tribe and own core backend services end-to-end. You'll be working primarily in Go, with some existing Java services in the mix - switching between them is not the blocker, deep engineering craft and an instinct for how credit products behave is. We move fast and we don't micromanage, which means you'll need to bring the domain awareness to make the right call before anyone has to tell you. What you'll build and own Design, build and operate high-reliability backend services that power LemFi's credit products, from loan origination and underwriting through to repayment and collections. Make the right architectural calls independently - data residency, service boundaries, state-machine design for loan lifecycles - without needing to be told what a credit-safe system looks like. Own your services in production: instrument them, monitor them, debug them, and hold the bar on reliability and correctness. Work closely with product and compliance to translate credit-domain requirements into clean, testable, maintainable code. Use AI coding tools actively to accelerate delivery and improve test coverage, while taking full ownership of the correctness of every line that ships. Contribute to growing the tribe - as one of the earliest engineers you'll help set the engineering culture, review others' work, and raise the bar on how we build. Your experience Strong backend engineering in Go; Java experience is a plus given our existing services, but Go is the primary language. Meaningful fintech experience - you understand how financial systems behave under load, under regulation, and under audit. Exposure to credit products (lending, underwriting, repayment, collections) at any level - even adjacent - so you arrive with the right instincts, not just a willingness to learn them. Solid grasp of distributed systems design: event-driven architecture, service boundaries, data consistency, and failure modes. You care about correctness and data integrity as much as velocity - you've worked in environments where getting it wrong has real consequences for real people. Comfortable operating with autonomy in an environment where the spec is never fully finished and the team is still being built. Nice to have Direct experience building credit decisioning, risk scoring, or loan management systems. Experience in a high-growth startup or scale-up where you helped establish engineering foundations from scratch. Familiarity with regulatory and compliance constraints specific to consumer credit (e.g. FCA, data protection requirements for credit data). Why Join LemFi? Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this. At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions. You can connect with us on LinkedIn and Instagram and if you haven't already, download the app on the App Store or Google Play . Find Jobs in United Kingdom on Arbeitnow
| Role | Senior Software Engineer - Credit |
|---|---|
| Company | Lemfi |
| Location | London |
| Type | full-time |
| Compensation | Not disclosed |
| Deadline | Rolling |
Typical process for this type of role
A general guide — the exact steps for this specific listing may vary; check the original posting for details.
- 1ApplicationSubmit your resume through the apply link.
- 2ScreeningRecruiter reviews your background against the role.
- 3AssessmentA technical test, assignment, or coding round, depending on the role.
- 4Interview(s)One or more rounds with the hiring team.
- 5OfferOffer letter with compensation and start date.
Before you apply
0/4More at Lemfi
Other jobs at Lemfi
- Senior CRM Executive · London
- Accounts Payable Associate · London
- Senior Performance Marketing Manager · London
- Senior Growth Manager, Pakistan · London
- Senior Technical Accountant · London
Explore Related Placements
// similar opportunities
You might also like
Senior Software Engineer
Getscope
Senior Software Engineer Scope automates the data collection that’s slowing down the physical world. Standards are vital for the safety of our infrastructure. S...
Senior Software Engineer
Faculty
Why Faculty? We established Faculty in 2014 because we thought that AI would be the most important technology of our time. Since then, we’ve worked with over 35...
Senior Software Engineer
Chaosindustries
CHAOS Industries is redefining modern defense with a multi-product portfolio that gives the ultimate advantage—domain dominance. The company's products are powe...
Senior Software Engineer
Deliveroo
Our Global Structure Deliveroo is now part of DoorDash, bringing together teams with even greater reach, scale, and ambition. Depending on your role, you may co...
Senior Software Engineer
Letly
About Letly Letly is the AI-Native operating company built for the home. We believe the home should be autonomously run and we're building the software that wil...
Senior Software Engineer
Quantexa
What we’re all about. Do you ever have the urge to do things better than the last time? We do. And it’s this urge that drives us every day. Our environment of d...