Senior Software Engineer – London
Location: London
Engineering – Cards Engineering / Employee – Permanent / Hybrid
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Our Story
Hello there. We’re Zopa.
We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre – we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com! We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.
If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife
You will design and evolve the services that power core banking products. The systems you help build process thousands of financial transactions every day. They must be scalable, resilient and secure. When money moves, it has to work. Every time.
But this role goes beyond implementation.
You will shape technical direction. Influence cross-team initiatives. Own complex, high-impact work from concept through to production. You will help decide not just how we build, but what we build and why.
This is senior in impact, not just title.
We’re growing across several of our product-engineering tribes at Zopa, with current opportunities in Current Accounts, Lending, Credit Cards and Product Enablement.
Your impact:
- Owning complex initiatives end to end, from idea to measurable outcome
- Designing scalable backend systems that stand up to real-world scale and complexity
- Making architectural decisions that balance immediate delivery with long-term sustainability
- Bringing structure and clarity to ambiguous problems
- Influencing prioritisation and trade-offs across teams
- Raising the bar for engineering quality, reliability and accountability
- Mentoring engineers and strengthening overall team capability
- Driving continuous improvement in how we build and operate systems
Your toolkit:
- A track record of delivering high-impact, complex systems in production environments
- Strong systems thinking and architectural judgement
- The ability to navigate ambiguity and turn complexity into clear, actionable plans
- Confidence making data-informed technical decisions with long-term consequences in mind
- Experience influencing beyond your immediate team
- A deep customer focus and a bias toward measurable outcomes
- A genuine commitment to engineering quality and raising standards
- Experience mentoring others and amplifying team impact
- Ownership beyond your own output
We’re intentionally technology agnostic. What matters to us is how you think, how you solve problems and the scale of what you’ve built.
Our engineering culture:
- Customer impact over unnecessary complexity
- Team success over individual heroics
- Operational ownership, not just feature delivery
- Continuous improvement through honest feedback
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At Zopa we value flexible ways of working.
We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.
You’ll also have the option of working from abroad for up to 120 days a year! But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.
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