---
title: 'Senior Software Engineer - Credit at LemFi'
canonical: 'https://feeny.ai/job/senior-software-engineer-credit-lemfi-london-dm6h9drmtffp'
type: 'job'
last_seen: '2026-10-19'
---

# Senior Software Engineer - Credit at LemFi

- **Company:** LemFi
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-05
- **Last confirmed live:** 2026-10-19
- **Apply:** https://jobs.ashbyhq.com/lemfi/e61cbc27-cda3-429f-88da-389ba70bc865

## Job description

LemFi (Series B) is building the go-to financial app for the Global South.

Moving 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.

What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth.

With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity.

## About the role

LemFi'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.

We'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.

## What you'll build and own

- Design, build and operate high-reliability backend services that power LemFi's credit products, from loan origination and underwriting through to repayment and collections.
- Make 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.
- Own your services in production: instrument them, monitor them, debug them, and hold the bar on reliability and correctness.
- Work closely with product and compliance to translate credit-domain requirements into clean, testable, maintainable code.
- Use AI coding tools actively to accelerate delivery and improve test coverage, while taking full ownership of the correctness of every line that ships.
- Contribute 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.

## Your experience

- 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.
- 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.
- Solid grasp of distributed systems design: event-driven architecture, service boundaries, data consistency, and failure modes.
- 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.
- Comfortable operating with autonomy in an environment where the spec is never fully finished and the team is still being built.

## Nice to have

- Direct experience building credit decisioning, risk scoring, or loan management systems.
- Experience in a high-growth startup or scale-up where you helped establish engineering foundations from scratch.
- Familiarity with regulatory and compliance constraints specific to consumer credit (e.g. FCA, data protection requirements for credit data).

Why Join LemFi? Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this. At 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.

You can connect with us on [LinkedIn](https://www.linkedin.com/company/lemfi/) and [Instagram](https://www.instagram.com/uselemfi/) and if you haven't already, download the app on the [App Store](https://apps.apple.com/gb/app/lemfi/id1533066809) or [Google Play](https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android).

Recruitment Agencies Notice LemFi does not accept unsolicited CVs from recruitment agencies. We work only with agencies on our preferred supplier list, and only when we’ve asked them for their support. Any CVs sent to us outside this arrangement will not incur a fee.

## About LemFi

## Company Overview
- **One-liner**: LemFi is a financial technology company that provides multi-currency wallets and international payment services tailored for immigrants and the Global South.
- **Entity Type**: Private (Venture Capital-Backed)
- **Headquarters**: Toronto, Canada (also has offices in Oakland, California and London, UK)
- **Founded**: 2020
- **Founders**: Not publicly listed on the main company page, but former known as Lemonade Finance.

## Core Business
- Primary industry: Financial Services / FinTech (International Payments and Remittances)
- Target customers: B2C — primarily immigrants and diaspora communities, with a focus on serving the Global South. They also offer B2B capabilities for international payment needs.
- Mission/Purpose: *"To improve the financial life of the next generation of immigrants."* The company focuses on solving the financial hurdles people face when moving to a new country.

## Products & Services
- **International Money Transfer**: Send money to 30+ countries with zero transfer fees and competitive exchange rates.
- **Multi-Currency Wallet**: Open and manage accounts in multiple currencies, with the ability to convert and hold funds.
- **Request Money**: Send payment requests or share a payment link for easy collections.
- **eSIM**: "Instant Connection, Anywhere you go" — providing mobile connectivity services for travelers and immigrants.

## Market Standing
- **Valuation**: Not publicly disclosed.
- **Key Metric**: Total funding raised of approximately **$85.6M** (per PitchBook).
- **Customers**: Over **1,000,000+ customers** as of their last update.
- **Notable Investors/Partners**: Backed by 45 investors including **Armyn Capital, Endeavor Catalyst, Highland Europe, Silverbacks Holdings, and Stonewater Ventures**. They have partnerships with Visa (cross-border payments), ClearBank (agency banking services), and have recently hired former OPay COO, Allen Qu, to lead China expansion.
- **Growth Signals**: 
  - Headcount growth: Over 200+ employees (300 per PitchBook, 121 on Built In).
  - Expanded to serve China and South Asia.
  - High-growth trajectory with a focus on remittance-heavy corridors (UK, US, Canada).
- **Recent Deal**: Merged with Pillar (Financial Software) in June 2025 (per PitchBook).

## Competitive Advantages
- **Zero Fees**: Zero transfer fees and competitive exchange rates are a key differentiator in the remittance market.
- **Laser Focus on Immigrants**: The company's entire product suite is designed around the immigrant experience (multi-currency wallets, requests, eSIM) rather than being a general money transfer app.
- **Speed**: "Usually delivered in minutes" — faster than traditional remittance services.
- **Strong Backing**: A large, high-quality investor base (45 investors) and strategic partnerships (Visa, ClearBank) provide a solid moat.
- **Experienced Team**: Team members come from top companies including Monzo, Opera, Kraken, Kaufland, Uber, and Andela.

## Strategic Focus
- **Global Expansion**: Explicit focus on entering China, South Asia, and other key corridors for immigrants.
- **Product Ecosystem**: Moving beyond simple transfers into multi-currency wallets, payment requests, and mobile connectivity (eSIM).
- **Scale Infrastructure**: Hiring key leadership (VP of Growth, Head of Finance & Business Intelligence, VP of Cards) to professionalize operations and build for scale.
- **Partnerships**: Deepening relationships with Visa and banks to expand reach and capabilities.

## Why Work Here
- **Remote/Hybrid/Office**: The company supports a hybrid and remote work model. Offices in Oakland (US), London (UK), and Toronto (Canada).
- **Culture & Perks**: Described as a high-growth, mission-driven environment building a product for a tangible impact on immigrants' lives.
- **Team Size & Growth**: The company is on a strong growth trajectory (from 121 to 300 employees in a short period), offering significant upside for early employees.
- **Engineering & Product Focus**: The team includes roles like VP of Cards and Head of Infrastructure, suggesting a strong technical spine.
- **Diverse Locations**: Opportunities to work in Canada, the UK, the US, Nigeria, and the Philippines, reflecting a truly global operation.

## Sources
1. [lemfi.com](https://lemfi.com/)
2. [lemfi.com/en-at/about](https://lemfi.com/en-at/about)
3. [jobs.ashbyhq.com/lemfi](https://jobs.ashbyhq.com/lemfi)
4. [builtin.com/company/lemfi](https://builtin.com/company/lemfi)
5. [pitchbook.com/profiles/company/458201-62](https://pitchbook.com/profiles/company/458201-62)

## Other roles at LemFi

- [Senior Growth Manager, Pakistan](https://feeny.ai/job/senior-growth-manager-pakistan-lemfi-london-c99tgnjaetk0) — London, United Kingdom
- [Senior Technical Accountant](https://feeny.ai/job/senior-technical-accountant-lemfi-london-307a7jpg6mkw) — London, United Kingdom
- [Senior Growth Manager, Canada to Nigeria](https://feeny.ai/job/senior-growth-manager-canada-to-nigeria-lemfi-canada-66bsss7018s0) — Canada
- [FP&A Manager](https://feeny.ai/job/fp-a-manager-lemfi-london-9zry1pa4kbe8) — London, United Kingdom
- [European Entity Controller](https://feeny.ai/job/european-entity-controller-lemfi-dublin-jzgncwwgsq8e) — Dublin, Ireland
- [UK Entity Controller](https://feeny.ai/job/uk-entity-controller-lemfi-london-c9a0qd72zb0g) — London, United Kingdom
- [Senior Growth Manager - France to Morocco](https://feeny.ai/job/senior-growth-manager-france-to-morocco-lemfi-france-kr9dtfdjgx0x) — France
- [Senior Growth Manager - UK to Kenya](https://feeny.ai/job/senior-growth-manager-uk-to-kenya-lemfi-united-kingdom-8vvxd0wxven4) — United Kingdom
- [Senior Growth Manager - Italy to Nigeria](https://feeny.ai/job/senior-growth-manager-italy-to-nigeria-lemfi-italy-3jmsqk7v5ry8) — Italy
- [Head of Growth, Nigeria](https://feeny.ai/job/head-of-growth-nigeria-lemfi-united-kingdom-zn9f8ndwxv1n) — United Kingdom