Senior Software Engineer - Send High Volume

Description

The team works on the problems that come with customers sending large sums abroad, such as people relocating with their savings, people moving investments overseas, and businesses running international operations.

Sending a sum this size is stressful for most of these customers. A small exchange rate move can cost thousands. Higher risk and closer scrutiny slow each step down, including daily and monthly limits, proof that funds are legitimate, and risk checks by banks in both countries. A missed payment deadline can have serious consequences.

Customers keep checking: has it arrived, why is it held, will the rate hold. When it goes smoothly it feels effortless, and when it doesn't it can be one of the most stressful experiences of their lives.

The mission is to make sending £5M as effortless as sending £500. The team focuses on three needs: a process that is clear from the start, prices and arrival times that can be forecast reliably, and fast, direct support from someone who knows the customer's route and treats the problem with urgency.

Responsibilities

• Own the technical design and delivery of large, high-stakes projects, and stay responsible for them after launch.
• Lead the technical design of big projects by breaking unclear problems into milestones the team can ship, writing and reviewing RFCs, and making the key technical decisions.
• Build the hardest parts yourself: reliable, secure, API-first services with clear, well-documented interfaces inside the existing micro-services architecture, using Java, Spring, Kafka and relational databases.
• Keep production healthy by owning availability, reliability and security. Set the standard for observability and testing, join the on-call rota, lead incident response and post-mortems, and fix tech debt before it becomes a risk.
• Help the team grow by mentoring and coaching engineers, onboarding new joiners, and sharing knowledge so no one, including you, is a single point of failure. Interview regularly to keep the hiring bar high.
• Give product-minded feedback on the roadmap and work closely with product, design, analytics and operations so the team works on the highest-impact items at a steady pace.
• The role is backend-focused and AI-first but covers all of the company, so you may redesign UX, reshape architecture or fix foundations wherever the largest problems sit.

Requirements

• You are an expert backend engineer with solid distributed-systems fundamentals. You design for the long term, choosing patterns that are easy to change and scale, and you reason clearly about consistency, idempotency and failure modes when real money is involved.
• You have made a significant contribution to large, impactful projects. You have owned the technical design and deliverables of your part, split unclear work into milestones, and stayed accountable through launch, iteration and the period after.
• You think like a product engineer. You can explain the customer problem you are solving, why it matters now and what impact you expect. You give strong roadmap feedback and use data to make decisions rather than to back up decisions you have already made.
• You raise the level of the engineers around you through mentoring, careful code review and writing things down. You are comfortable challenging and being challenged without ego, and you are happy to interview candidates regularly.
• You take ownership of what you ship. Observability, security, testing and on-call are part of your definition of done. You have led incident resolution and made sure incidents do not recur.
• You work well across teams and functions. You communicate clearly with product, design, analytics and operations, and you find ways to keep teams aligned instead of duplicating work.
• You keep up with the frontier of technology, experiment with new tools regularly, and already use AI to boost your own productivity.
• Nice to have, but not essential, as any of these can be taught: experience in payments, FX, fintech or another regulated, compliance-heavy domain.
• Nice to have, a bonus rather than a requirement: frontend or mobile experience.
• Nice to have, but not essential: experience shipping LLM-backed features to production.

Conditions

The company wants teams that are diverse, equitable and inclusive, and welcomes applicants from all backgrounds.