---
title: 'PHP Engineer at Lendable'
canonical: 'https://feeny.ai/job/php-engineer-lendable-london-w60g6svhfs2w'
type: 'job'
last_seen: '2026-09-26'
---

# PHP Engineer at Lendable

- **Company:** Lendable
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-09-23
- **Last confirmed live:** 2026-09-26
- **Apply:** https://jobs.ashbyhq.com/lendable/d1ee7f94-ab10-4a87-9b79-ba177f012f12

## Job description

## About Lendable

Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start:

- One of the UK’s most exciting unicorns with a team of over 800 people
- Among the fastest-growing tech companies in the UK
- Profitable since 2017
- Backed by top investors including Balderton Capital and Goldman Sachs
- Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on [Trustpilot](https://uk.trustpilot.com/review/lendable.co.uk))

So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.

We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.

Join us if you want to

- Take ownership: you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
- Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions
- Build the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy lifting

We're looking for a PHP Engineer to join our growing UK Loans team, either based in or around London

Our engineering organisation is home to over 200 talented engineers across backend, frontend, mobile, and platform disciplines.

You'll have the opportunity to work on everything from building and integrating new APIs to enhance the customer journey, to optimising our lending platforms, and engaging in deep architectural discussions. There's plenty to tackle, and we're excited to find the right people to take on the challenge.

## What we’re looking for

Essential

- 5+ years experience with PHP
- Strong, business oriented, engineer with modern PHP development experience (PHP 8.0+ is a must)
- High degree of ownership and autonomy
- A good understanding of Symfony
- Experience with Domain Driven Design, Message-Driven Systems and Event Sourcing would be a plus
- Strong automatic testing skills (unit, integration, functional, behat)

Desirable

- Experience working on financial systems
- A keen desire to want to learn and input into a highly collaborative team

Our Tech Stack We believe in using the right tools for the job, and our stack reflects our commitment to modern, efficient development:

- Backend: PHP 8, Symfony 7, AWS, PostgreSQL, RabbitMQ, Docker, Kubernetes
- CI/CD: GitHub Actions and ArgoCD (we deploy to production as soon as a feature is complete!)
- Testing: Behat, PHPUnit

Interview process We value your time and have designed an efficient process to get to know you:

- A quick chat with one of our team to see if the role is a good match.
- 15 minute cognitive Test
- A technical interview to assess your technical skills.
- A culture-add interview to assess how you'd thrive within our team and organisation.

Life at Lendable

- Winning team: the opportunity to scale up one of the world’s most successful fintech companies
- Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites
- Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls
- Health coverage: support for your physical and mental wellbeing, including private health cover
- Retirement & savings: long-term financial wellbeing through retirement savings plans
- Employee referral programme: earn a competitive bonus when you refer successful new team members
- Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations
- Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations

Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our [blog](https://blog.lendable.co.uk/)!

## About Lendable

## Company Overview
- **One-liner**: Lendable is a British fintech company that uses AI and open banking data to provide fast, transparent personal loans, credit cards, and car finance.
- **Entity Type**: Private (Unicorn, last valued at ~£3.5 billion in March 2022)
- **Headquarters**: London, England, United Kingdom
- **Founded**: 2014
- **Founders**: Martin Kissinger, Victoria van Lennep, Paul Pamment, Jakob Schwarz

## Core Business
- **Primary industry**: Financial Technology (Consumer Finance)
- **Target customers**: B2C (prime and near-prime borrowers in the UK, US, and Mexico)
- **Mission or purpose**: To challenge a stale and archaic loans and credit industry by making smart borrowing cheaper, more transparent, and more accessible for responsible people.

## Products & Services
- **Lendable**: The original fast, transparent personal loan platform. Offers instant eligibility checks and guaranteed rates up front, with funds transferred instantly upon approval. Uses open banking and AI to see customers as individuals, not just credit scores.
- **Zable**: A financial superapp that combines borrowing, saving, money management, credit score building, and smarter deals for utilities, mobile contracts, and insurance. Includes the Zable Credit Card and Zable Loans.
- **Autolend**: A car finance product bringing Lendable’s transparency and speed to the auto finance market.
- **Zable Mobile**: A mobile plan launched in partnership with Gigs in October 2025, the first mobile plan by a fintech in Britain.

## Market Standing
- **Valuation/Market Cap**: ~£3.5 billion (as of March 2022 funding round)
- **Key Metric**: Revenue of £446 million (2025); Profitable since 2017
- **Notable Investors/Partners**: Ontario Teachers' Pension Plan Board (lead investor in £210M round), Balderton Capital, Waterfall Asset Management, Goldman Sachs, Passion Capital
- **Growth Signals**: Number 1 issuer of personal loans in the UK by volume; number 2 credit card issuer in the UK (2025); expanded to the US (2021) and Mexico (2026); launched Zable Mobile (first fintech mobile plan in the UK); 800+ employees; 100,000+ Trustpilot reviews with a 5.0* rating; billions in annual originations.

## Competitive Advantages
- **Proprietary AI & Open Banking**: Uses the deepest open banking dataset in the market and advanced AI models to see customers as individuals, not just credit scores, enabling instant, guaranteed rates and higher approval rates for responsible borrowers.
- **Market Leadership**: The number 1 issuer of personal loans in the UK and number 2 credit card issuer, with a track record of profitable growth since 2017.
- **Customer Experience**: 5.0* rating from 100,000+ Trustpilot reviews, driven by a fully digital, hassle-free, and transparent process with no bait-and-switch.
- **Technology-First Platform**: A proprietary platform that automates everything from instant credit decisions to saving customers money with tailored offers, operating as a two-sided marketplace for institutional investors.

## Strategic Focus
- **International Expansion**: Expanding into new markets, with recent entry into Mexico (2026) and existing operations in the UK and US.
- **Product Ecosystem Growth**: Deepening the Zable superapp ecosystem to include mobile plans (Zable Mobile), car finance (Autolend), and more, creating a single platform for all financial decisions.
- **AI & Data Leadership**: Continuing to invest in proprietary AI models and open banking datasets to maintain a competitive edge in credit decisioning and customer personalization.
- **Market Share Capture**: Targeting the £40bn car finance market and further penetrating the US and Mexican markets.

## Why Work Here
- **Culture**: Described as dynamic, driven, and fast-paced, with a focus on low ego, high ownership, and meaningful impact. The team of 800+ spans 45 nationalities and speaks 32 languages.
- **Work Style**: Small teams of exceptional people who are trusted to take ownership and make decisions from day one. Emphasis on building the best technology in-house using new data sources, ML, and AI.
- **Perks**: Regular social events, often involving food. A 4.3* average score on Glassdoor.
- **Location**: Offices in London, Kent (UK), and New York City (US). Hybrid/office policy not explicitly stated but likely flexible given the international team.
- **Engineering Culture**: Focus on building proprietary technology, using new data sources, machine learning, and AI to automate processes. Engineers are trusted to take ownership and drive material impact.

## Sources
1. [lendable.co.uk](https://www.lendable.co.uk/)
2. [careers.lendable.com](https://careers.lendable.com/)
3. [lendable.com](https://www.lendable.com/)
4. [lendable.co.uk/about](https://www.lendable.co.uk/about)
5. [en.wikipedia.org](https://en.wikipedia.org/wiki/Lendable)

## Other roles at Lendable

- [Associate Product Manager](https://feeny.ai/job/associate-product-manager-lendable-london-5my64rdk1e6s) — London, United Kingdom
- [Compliance Monitoring Officer](https://feeny.ai/job/compliance-monitoring-officer-lendable-london-mpkgk6x75e32) — London, United Kingdom
- [Platform Engineer](https://feeny.ai/job/platform-engineer-lendable-london-fng8f7vgw1dy) — London, United Kingdom
- [Senior Accountant](https://feeny.ai/job/senior-accountant-lendable-london-fbcyb0dksg37) — London, United Kingdom
- [Complaints and Data Rights Administrator](https://feeny.ai/job/complaints-and-data-rights-administrator-lendable-london-9qap2tmrwpf1) — London, United Kingdom / Kent, United Kingdom
- [Complaints Officer (FOS)](https://feeny.ai/job/complaints-officer-fos-lendable-london-6p3m1y8r4rnf) — London, United Kingdom / Kent, United Kingdom
- [Financial Operations Executive](https://feeny.ai/job/financial-operations-executive-lendable-london-rf3jrj5mqqfp) — London, United Kingdom
- [Affiliate Marketing Executive](https://feeny.ai/job/affiliate-marketing-executive-lendable-london-y33wxxhc1r5q) — London, United Kingdom
- [Head of Quality Engineering](https://feeny.ai/job/head-of-quality-engineering-lendable-london-w18t6r27ff84) — London, United Kingdom
- [Talent Sourcer - Tech](https://feeny.ai/job/talent-sourcer-tech-lendable-london-087z7a3tnwa0) — London, United Kingdom