Software Engineer

Company: Lloyds
Apply for the Software Engineer
Location: London
Job Description:

Our Payments Digital Services team is shaping the next generation of experiences across payments and beyond. Think digital identity, wallet-based services, embedded finance, and entirely new propositions that are redefining how customers interact with money, data, and value

  • As a Backend Software Engineer, you’ll play a key role in bringing this vision to life. You’ll be working on a connected, modern platform that integrates seamlessly with best-in-class tools and services, helping customers make smarter financial decisions and access innovative financial products
  • We’re building the future of payments – and this is your chance to be right at the centre of it
  • Delivering clean, architecturally sound, maintainable server-side code (ideally full-stack experience)
  • Collaborating with stakeholders across the business to build and develop a world-class product
  • Motivating the team past roadblocks to make sure features ship as effectively as possible
  • Guiding design discussions and helping the team balance flexibility, expediency, scalability, and performance
  • Partnering with product and engineering leaders to constantly refine and iterate on development processes
  • Championing new technologies and promoting best development practices
  • Keeping an eye on the future while proactively, but pragmatically, tackling technical debt

Benefits

  • A generous holiday allowance: You’ll be eligible for a minimum of 22 days holiday (excluding bank holidays), rising to 30 days based on length of service and grade.
  • A flexible way of working: Whether you want flexibility over your location or when you log on, together we can create an approach that works for you and for the business.
  • Family leave: Up to 63 weeks of maternity or adoption leave. Statutory maternity or adoption pay is available for 39 weeks, and 20 weeks will be enhanced to the equivalent of full pay. Partners can have six weeks of fully paid paternity leave.
  • Flex cash: This is 4% of your basic salary and can be used to spend on the benefits of your choice, or you can choose to take it as a cash top up in your monthly salary.
  • Health insurance: Our company funded Private Medical Benefit provides all colleagues with access to good quality medical care, including accommodation, nursing care and specialist advice.
  • Colleague Offers: Get discounts on everything from electrical items to cinema tickets and weekly food shopping. You can share this benefit with up to ten family members or friends.
  • Financial products: Take advantage of our great financial products, some at a discounted rate, including current accounts, home and car insurance and loans.
  • Share plans: Participate in Sharematch and receive matching shares of up to £45 a month from the company, and you can choose to participate in Sharesave, our combined savings and share option plan.
  • Pension: We offer a generous pension plan, with all joiners being automatically enrolled in our ‘Your Tomorrow’ scheme. You can decide how much you save and get a say in where your contributions are invested.

Qualifications

  • A voracious appetite for learning and improvement
  • Solid grounding in agile development practices
  • Ability to diagnose problems across the stack (client, HTTP/network, server, database, OS) with sound rationale for decisions
  • Experience with both RDBMS and NoSQL datastores
  • Experience developing and running large-scale production environments in partnership with DevOps or SRE teams
  • A genuine interest in working in a fast-paced startup, ideally in fintech or payments
  • Experience building microservices, ideally deployed in containers on Kubernetes
  • In-depth knowledge of Golang
  • Proven experience building large, concurrent, distributed applications
  • Experience with real-time, low-latency, high-frequency transaction-based systems
  • Knowledge of PHP
  • Experience with event-driven architectures

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Posted: July 24th, 2026