{"id":1913707,"url":"https://alion.io/job/lemfi-senior-software-engineer-credit","title":"Senior Software Engineer - Credit","company":{"id":678668,"name":"LemFi","domain":"lemfi.com","url":"https://alion.io/company/lemfi","size_band":"201-500","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":null},"role":"Backend","role_family":"Backend","seniority":"senior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["London, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":91000,"max_usd":178000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":107},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Go","optional":false},{"name":"Java","optional":false}],"status":"live","first_seen_at":"2026-10-05T15:28:39Z","employer_posted_date":"2026-10-05","last_verified_at":"2026-10-08T01:02:44Z","board_verified":true,"closed_at":null,"days_open":2,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":2},"description":"LemFi (Series B) is building the go-to financial app for the Global South.\nMoving 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.\nWhat began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth.\nWith millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity.\nAbout the role\nLemFi'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.\nWe'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.\nWhat you'll build and own\nDesign, build and operate high-reliability backend services that power LemFi's credit products, from loan origination and underwriting through to repayment and collections.\n\nMake 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.\n\nOwn your services in production: instrument them, monitor them, debug them, and hold the bar on reliability and correctness.\n\nWork closely with product and compliance to translate credit-domain requirements into clean, testable, maintainable code.\n\nUse AI coding tools actively to accelerate delivery and improve test coverage, while taking full ownership of the correctness of every line that ships.\n\nContribute 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.\n\nYour experience\nStrong backend engineering in Go; Java experience is a plus given our existing services, but Go is the primary language.\n\nMeaningful fintech experience - you understand how financial systems behave under load, under regulation, and under audit.\n\nExposure 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.\n\nSolid grasp of distributed systems design: event-driven architecture, service boundaries, data consistency, and failure modes.\n\nYou 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.\n\nComfortable operating with autonomy in an environment where the spec is never fully finished and the team is still being built.\n\nNice to have\nDirect experience building credit decisioning, risk scoring, or loan management systems.\n\nExperience in a high-growth startup or scale-up where you helped establish engineering foundations from scratch.\n\nFamiliarity with regulatory and compliance constraints specific to consumer credit (e.g. FCA, data protection requirements for credit data).\n\nWhy Join LemFi?\nLove shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this.\nAt 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.\nYou can connect with us on LinkedIn and Instagram and if you haven't already, download the app on the App Store or Google Play.","description_format":"text","description_chars":4459,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[{"name":"United Kingdom","iso":"GB","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":[],"lifecycle":[{"event":"open","at":"2026-10-05T15:33:33Z"}],"visa":[],"liveness":{"score":86,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.86,"p_room":1,"age_days":1,"expected_fill_days":41,"reasons":["conf:2","win:early"],"computed_at":"2026-10-07T05:47:15Z"},"pay":null,"html_url":"https://alion.io/job/lemfi-senior-software-engineer-credit","json_url":"https://alion.io/job/lemfi-senior-software-engineer-credit.json","meta":{"generated_at":"2026-10-08T02:47:48Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler","counted_by":"address","units_charged":1,"used_today":4880,"day_limit":5000,"remaining_today":120,"minute_limit":60,"resets_at":"2026-10-09T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":678668},"rest":"https://alion.io/mcp/rest/get_company?id=678668"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Flemfi-senior-software-engineer-credit"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Flemfi-senior-software-engineer-credit"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Flemfi-senior-software-engineer-credit"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/lemfi-senior-software-engineer-credit\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Flemfi-senior-software-engineer-credit"}]}