Senior Software Engineer (Credit)

Join LemFi, a fast-paced fintech startup, as a Senior Software Engineer in the Credit tribe. You will own core backend services, primarily working in Go, and be responsible for designing, building, and operating high-reliability backend services that power LemFi's credit products. You will work closely with product and compliance teams, contribute to growing the engineering culture, and have a meaningful impact on the company's success.

Comfortable operating with autonomy in an environment where the spec is never fully finished and the team is still being built

Direct experience building credit decisioning, risk scoring, or loan management systems

About Lemfi

Solid grasp of distributed systems design: event-driven architecture, service boundaries, data consistency, and failure modes

Responsibilities

• Conception, développement et exploitation de services backend de haute fiabilité qui alimentent les produits de crédit de LemFi, de l'origine du prêt à la collecte.
• Prise de décisions architecturales indépendantes concernant la résidence des données, les limites de service, la conception de machines d'état pour les cycles de vie des prêts.
• Collaboration étroite avec les équipes produit et conformité pour traduire les exigences du domaine du crédit en code propre, testable et maintenable.

Requirements

• Exposure 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
• You 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
• Strong backend engineering in Go; Java experience is a plus given our existing services, but Go is the primary language
• Meaningful fintech experience - you understand how financial systems behave under load, under regulation, and under audit
• Familiarity with regulatory and compliance constraints specific to consumer credit (e.g. FCA, data protection requirements for credit data)
• Experience in a high-growth startup or scale-up where you helped establish engineering foundations from scratch