Software Engineer

Software Engineer – Engineer II (Level 3) – Backend / PlatformAt Fluro, we’re on a mission to create a lasting, positive change in the credit industry. As a

fast-growing fintech team, we’re building pioneering, fair and accessible digital finance

products designed for the UK market-driven by a belief that finance can be a force for good.

From our brand to our environmental footprint, we care about the details and do things

with purpose.

We foster a highly collaborative culture that values both collective progress and individual

autonomy. Whether you’re an experimenter or strategic thinker, you’ll find the freedom to

work in a way that suits you best, while making real impact. Innovation is central to how we

operate, and we’re not afraid to try new things (and sometimes fail) in pursuit of better

solutions.

Fluro is proud to be an equal opportunities employer. We’re committed to building for

good-for all people. That means listening more than speaking, and creating space for diverse

experiences, backgrounds, and voices to shape our future. If you’re passionate about

making finance fairer, smarter, and more human, we’d love to hear from you.

RoleWe’re looking for a talented Software Engineer to join our engineering team remotely. You’ll work on the services and APIs that power Fluro’s lending platform: the systems behind our customers’ loans and financial products. Our backend is built on AWS, with services written in Kotlin and PHP, including the GraphQL backend that serves our mobile app. Sitting within the product and engineering team, you’ll collaborate closely with other backend engineers, our mobile developers and product managers to deliver a secure, reliable and scalable platform.

This is an Engineer II (Level 3) role.

You’ll deliver work without supervision from senior team members, taking full ownership of well-scoped projects end-to-end – from gathering requirements through to validating outcomes. You’ll make sound technical decisions within your domain, balance delivery against long-term sustainability, and support the growth of more junior colleagues.

• Design, build, and maintain backend services and APIs on AWS using Kotlin and PHP,

including our GraphQL mobile backend

• Take full ownership of the delivery of projects end-to-end, independently gathering

requirements, proposing solutions, and validating outcomes

• Deliver moderately complex, scalable and maintainable solutions, balancing short-term

delivery needs with long-term technical sustainability

• Integrate backend services with internal systems and third-party providers, including

payment providers, SMS services, address lookup and financial services / credit data

providers

• Implement and maintain secure authentication and data-handling flows, compliant with best

practices for financial applications

• Design testable, repeatable solutions, drawing on past experience to critically assess

whether outputs meet the intended outcome and researching new approaches where

needed

• Take accountability for the quality, efficiency and long-term impact of your work, proactively

identifying and addressing technical debt

• Build effective relationships across teams and functions, engaging proactively with

stakeholders including Product and Operations to align on solutions and manage risks and

issues independently

• Communicate technical decisions and trade-offs clearly to both technical and non-technical

audiences, contributing ideas and feedback in discovery discussions and championing

technical excellence pragmatically

• Mentor junior colleagues and new joiners, giving structured feedback and actively

supporting their growth

Need to haves:

• Strong, demonstrable experience building and maintaining production backend services,

delivering projects end-to-end with minimal oversight

• Solid commercial experience with Kotlin and/or PHP, and confidence working across both
• Experience designing, building and consuming APIs (REST and/or GraphQL)
• Good working knowledge of cloud infrastructure, ideally AWS

A strong grasp of software development practices, including automated testing, code review

and version control

• Comfortable using AI code assistants as part of a modern development workflow
• Able to understand our architecture well enough to make sound, independent

implementation decisions and address technical debt within your domain

• Comfortable working independently and asynchronously as part of a remote-first team,

taking a high degree of ownership over your work

• Proactively share knowledge, engage stakeholders across Product and Operations, and

contribute ideas and feedback in discovery discussions

• Experience mentoring or supporting more junior engineers, giving clear and structured

feedback

Nice to haves:• Experience with PHP/Laravel and/or microservices architectures

• Experience designing and evolving GraphQL APIs
• Experience with AWS services (e.g. Lambda, ECS, RDS, SQS) and infrastructure-as-code
• Prior experience in fintech, lending, or other regulated industries
• Experience working in a scale-up or early-stage company where you’ve helped shape

engineering culture

Fluro Employee Benefits:• Pension scheme – Fluro matches up to 5%• Health Insurance, which includes covering the full cost of premiums and can beextended to cover any dependants who live at the same address• Fluro pays up to £30 per month towards an employee’s gym membership• Life insurance policy – 4x salary• Income protection policy• Service Recognition for 5+ years and 10+ years at Fluro