Senior AI‑Native Software Engineer
One of the UK’s fastest-growing fintechs is hiring.At ANNA Money, we’re building the AI‑native financial operating system for small businesses.We’re moving beyond simply being AI‑powered. AI is becoming fundamental to how we design software, build products and solve engineering problems.Our mission is ambitious: to build an intelligent operational employee for small businesses—one capable of taking care of the repetitive administrative work that founders shouldn’t have to do themselves.From banking and payments to invoicing, bookkeeping, tax and company formations, we’re combining financial infrastructure, automation and AI into a single product experience trusted by more than 230,000 businesses.To achieve that vision, we’re looking for engineers who are excited not only by building great software, but by redefining how software itself is built.Why Join ANNA?
We don’t spend years maintaining legacy systems or waiting for decisions to trickle through layers of management.Our engineers work directly with Product, Design and Engineering leadership to shape both the products we build and the way we build them.You’ll have genuine ownership from day one, influence technical direction, and help define what an AI‑native engineering organisation looks like.Problems you will tackle include:AI agents & LLM orchestrationBackend engineeringFinancial infrastructureDistributed systemsOperational automationReal‑time data processingProduct scalabilityDeveloper toolingCustomer‑facing product experiencesIf you’re excited by the future of AI‑native software engineering, enjoy solving complex technical problems and want to help build products that genuinely transform how small businesses operate, we’d love to hear from you.Come and help us define what the next generation of engineering looks like.How We Build Software
We believe AI makes great engineers even better.Our teams actively embrace modern AI‑assisted development to improve productivity, accelerate delivery and automate repetitive engineering tasks.That means working with technologies and tools such as:Claude CodeGitHub CopilotLLMsAI AgentsIntelligent automationThese tools help us move faster.But speed without engineering judgement creates technical debt.We look for engineers who combine AI‑assisted development with strong software engineering fundamentals—using AI where it adds value while applying the experience and judgement needed to build scalable, maintainable production systems.Previous commercial AI experience isn’t essential. Curiosity and a willingness to embrace modern engineering practices are.What You’ll Be Doing
Design and build scalable backend services used by hundreds of thousands of businesses.Develop customer‑facing product features across ANNA’s financial platform.Use AI‑assisted development tools to accelerate software delivery while maintaining engineering quality.Build intelligent workflows, automations and AI‑native product experiences.Reverse engineer existing systems and understand complex technical dependencies.Validate, review and improve AI‑generated code before it reaches production.Contribute to architectural decisions across our platform.Write clean, maintainable, well‑tested code.Improve system performance, reliability and scalability.Collaborate closely with Product Managers, Designers, Data Scientists and fellow Engineers.Take ownership of your work from idea through to production.Continuously improve developer experience, tooling and engineering standards.What We’ll Be Looking For
Our interview process focuses on how you think, rather than memorising algorithms.Throughout the interview we assess:Backend engineering fundamentalsSoftware architecture and system designProblem solving and technical judgementProduct thinkingCollaboration and communicationEngineering qualityCuriosity and continuous learningApproach to AI‑assisted software developmentEnd‑to‑end ownership of features in the domain of the teamOur live coding exercise focuses on thought process, engineering decisions and communication rather than producing a perfect solution.Our Technology Stack
PythonTypeScriptReactPostgreSQLRabbitMQKubernetesFlutterAWS & Google CloudYou don’t need experience across every technology. Strong engineering fundamentals and the ability to learn quickly matter much more.Essential Experience
Significant commercial experience developing software in Python, Java, C# or Go.Strong backend engineering experience.Experience designing and building scalable distributed systems.Strong understanding of software architecture and engineering best practices.Excellent debugging and problem‑solving skills.Experience writing clean, maintainable and well‑tested code.Comfortable working in cross‑functional product teams.Excellent communication skills.A product mindset with genuine curiosity about solving customer problems.Nice to Have
Experience with any of the following would be beneficial:Python asynchronous frameworks (aiohttp, FastAPI, etc.)Docker, Kubernetes or HelmPostgreSQL or MongoDBRabbitMQFlutter / DartAI‑assisted development tools such as Claude Code, Cursor or GitHub CopilotLLM APIs, AI agents or agentic workflowsPrompt engineering or intelligent automationIf you haven’t worked extensively with AI‑native tooling but are excited by where software engineering is heading, we’d still love to hear from you.Life at ANNA
We’re proud of our flat organisational structure, where engineers are trusted to make decisions, challenge ideas and own outcomes.Today our global team consists of more than 200 talented people, with engineers, designers, data scientists and product specialists working together to build products that genuinely improve the lives of small business owners.We deploy to production hundreds of times every month, continuously experiment, and believe the best ideas can come from anywhere.Visa Sponsorship
For Skilled Worker visa sponsorship, ANNA covers all costs we are legally required to pay as your sponsoring employer, including the Certificate of Sponsorship fee and Immigration Skills Charge.Candidates are responsible for their own visa application fee and Immigration Health Surcharge, payable directly to the UK Home Office.What We Offer
Benefits
Flexible working – focused on trust, autonomy and outcomesHybrid or Remote working, depending on roleWork from anywhere for up to 3 monthsSupport towards home working equipmentFlexible hours for caregiving responsibilitiesTemporary reduced hours / phased returns when life needs itTime off for your child’s first day of school (non‑negotiable)Employee Growth Share options – because when ANNA grows, you grow tooWellbeing
Trained Mental Health First AidersPerkbox EAP + counselling supportOnline GP access & prescription serviceBupa private medical insuranceOn‑demand wellness contentMenopause support (policy + practical adjustments that actually help)Financial Wellbeing
Salary sacrifice pension contributionsWorkplace nursery salary sacrificePerkbox discounts & reward pointsCycle to Work schemeSalary sacrifice for Home & TechGrowth & Self‑Direction
£1k annual personal travel allowance£1k annual personal learning allowance, including non‑work learningTime Off & Life Moments
Enhanced parental leaveAdoption leavePregnancy loss & compassionate family leaveEmergency dependent leaveBelonging & Connection
Monthly team brunchesRegular team‑building eventsFree drinks & snacks in the officeA Quick Note on Applications
We’re expecting a high level of interest in this role, so we may not have time to respond to every individual question, but we’ll keep candidates updated throughout the process and aim to get back to everyone.Staying Safe When Applying
We’ll never ask you for money, bank details, or sensitive personal information during the hiring process. All communication will come from an official anna.money email address.If something doesn’t feel right, it probably isn’t – feel free to check with us directly.Working with Recruiters
We don’t accept unsolicited CVs from agencies. If you’re a recruiter, please don’t send candidates unless we’ve agreed to work together on a specific role.Equal Opportunity
ANNA is an equal opportunity employer. We hire based on ability, potential, and what you can bring to the team — nothing else.If you need adjustments during the process, just let us know. We’ll work with you.
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