---
title: 'Software Engineer at Thought Machine'
canonical: 'https://feeny.ai/job/software-engineer-thought-machine-london-spks06qeak8t'
type: 'job'
last_seen: '2026-09-07'
---

# Software Engineer at Thought Machine

- **Company:** Thought Machine
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-08-17
- **Last confirmed live:** 2026-09-07
- **Apply:** https://jobs.ashbyhq.com/thought-machine/5b09cb98-32bc-41f0-a1bd-dc4d5b8d1cb5

## Job description

Thought Machine's mission is bold – to properly and permanently rid the world's banks of legacy technology. To achieve this, we have developed the foundations of modern banking through core and payments technology which run natively in the cloud. What we are attempting is hard and means we need great people working together to build great technology.

We have grown rapidly in the past few years – growing our team to more than 550 individuals across offices in London, New York, Singapore, Sydney and our newly established Engineering Hub in Lisbon. We have raised more than £500m in funding and our investors include Molten Ventures, Eurazeo, Intesa Sanpaolo, Temasek, Nyca Partners, JPMorgan Chase Strategic Investments, Standard Chartered Ventures, and more.

We have created a culture that enables our team to produce the best work in the industry while ensuring we have fun along the way. We're regularly cited as having a fantastic workplace culture and have been recognised by Sifted magazine as having one of the highest Glassdoor ratings for a UK fintech company and the industry's most generous employee share package. Named one of the world's most innovative fintechs by Global Finance Magazine, we were also recognised by the Financial Times as one of Europe's fastest-growing companies for two consecutive years—and a UK Best Employer for 2026.

Software Engineering is a key role within Thought Machine as Back End Engineers lead the development of Thought Machine’s Vault product. We pride ourselves in excellence in this role, adopting the best practices in continuous deployment monorepo style development.

While development at Thought Machine is fast paced, you will be expected to develop code to a high standard and production ready state.

Duties

- Design, implement and develop scalable, performant microservices using best practices.
- Write automated unit tests, integrate tests, etc.
- Interfacing with other engineering teams to ensure that features are added in a structured and coherent way.
- Managing and debugging your deployments from testing environments all the way to production.
- Translating customer requirements into trackable tickets.

## Requirements

Essential

- Experience with either Python or Golang.
- Experience in developing automated tests as an integral part of the development cycle.
- Interest in working on client-facing projects, conducting scoping and defining deliverables.

Desirable

- Knowledge of banking / finance.
- Experience with AWS or other cloud providers.
- Familiar with databases (SQL or noSQL).
- Experience with client/server software architectures & networking, or microservice architectures.
- Experience using orchestration tools such as Kubernetes or Mesos.

## Benefits

- Highly competitive salary
- Pension plan (match up to 5%)
- Life insurance - three times annual salary
- Competitive maternity (six months fully paid) and paternity leave (four weeks fully paid)
- Shared parental leave (matched to our maternity leave for the same point in time)
- 25 days holiday and bank holidays
- Flexible working hours
- Cycle-to-work scheme
- Electric car scheme
- Season ticket loan
- Access to outstanding learning materials and courses
- Sports and hobby clubs, subsidised by Thought Machine
- All the latest tech you need
- Start the day properly with fresh fruit and cereals
- Huge range of healthy (and not-so-healthy) snacks, smoothies and drinks
- A talented and experienced team as your colleagues
- An environment where we encourage learning and progress
- Two charity days a year
- Weekly food pop-up

We actively hire candidates who demonstrate technical excellence in their field and welcome people of all ages and backgrounds, providing everyone with equal access to professional development. You are encouraged to apply even if your experience doesn't accurately match the job description. We also encourage applications from those with different abilities, including candidates with ADHD, autism, dyslexia or dyspraxia.

## About Thought Machine

## Company Overview
- **One-liner**: Thought Machine provides cloud-native core banking and payments platforms that enable banks to build and run any financial product without legacy constraints.
- **Entity Type**: Private (Series D, valuation $2.7bn as of 2023)
- **Headquarters**: London, United Kingdom
- **Founded**: 2014
- **Founders**: Paul Taylor

## Core Business
- **Primary industry**: Core banking technology / Fintech infrastructure
- **Target customers**: Tier 1 multinational banks, regional banks, digital banks, and fintechs (B2B, enterprise)
- **Mission or purpose**: To create technology that can run the world’s banks according to the best designs and software practices of the modern age, permanently ridding banks of legacy infrastructure problems.

## Products & Services
- **[Vault Core](https://www.thoughtmachine.net/)**: Cloud-native core banking engine built from scratch, using microservices architecture and smart contracts. Supports current/savings accounts, credit cards, loans, mortgages, and custom products. Includes a Product Library of 200+ preconfigured financial products. (Type: SaaS / platform)
- **[Vault Payments](https://www.thoughtmachine.net/)**: Cloud-native payments processing platform for all payment types, schemes, and regions. Launched with card issuing and processing on the Mastercard network. (Type: SaaS / platform)

## Market Standing
- **Valuation**: $2.7bn (after $160m Series D in 2023, per [thoughtmachine.net/about-us](https://www.thoughtmachine.net/about-us))
- **Key Metric**: Total funding raised – $510m across Series A ($25m), B ($125m), C ($200m), and D ($160m). Annual revenue not publicly available.
- **Notable Investors/Partners**: JPMorgan Chase, Lloyds Banking Group, ING, Standard Chartered, SEB, Intesa Sanpaolo, Nyca Partners, Molten Ventures, Eurazeo, British Business Bank, Temasek, Morgan Stanley. Strategic partnership with Mastercard (2024).
- **Growth Signals**: Headcount surpassed 500 (per [thoughtmachine.net/about-us](https://www.thoughtmachine.net/about-us)); global expansion into Mexico, Chile, South Korea, Israel, Guatemala; named a Leader in the 2025 Gartner® Magic Quadrant™ for Retail Core Banking Systems; client wins include JPMorgan Chase, ING Poland, Intesa Sanpaolo, Kiwibank, and Mox Bank.

## Competitive Advantages
- **Cloud-native architecture** – no legacy code, built from scratch for the cloud, enabling horizontal scaling, high availability, and continuous deployment.
- **Configurability via smart contracts** – banks can create any product without code changes, using a rich library of pre-integrated solutions.
- **API-first and cloud-agnostic** – gives banks flexibility to choose hosting provider and integrate with third-party services.
- **Trusted by top global banks** – many clients are also investors, demonstrating deep industry confidence.

## Strategic Focus
- Continuing global expansion into new territories and winning Tier 1 bank clients.
- Deepening the Vault Payments platform and expanding card/payment scheme support.
- Leveraging the Mastercard partnership to accelerate payments adoption.
- Maintaining product leadership and recognition in core banking (Gartner Leader).

## Why Work Here
- **Culture**: Described as “world-class in talent and technical ability” with a collaborative, inclusive, and transparent environment. Weekly town halls and CEO Q&A sessions every six weeks.
- **Social & perks**: Free food and drink in all offices, social clubs (wine & cheese, film, sports), sponsored fitness activities (football, basketball, running, climbing).
- **Recognition**: Named #1 Best Place to Work in New York City by Crain’s (2022, 2023) and Best Place to Work by American Banker.
- **Work policy**: Global offices with hybrid/office presence expected for most roles (engineering roles listed on careers page include many office-based positions). Flexibility not explicitly stated but typical for fintech.
- **Engineering culture**: Strong emphasis on software design, scalable cloud infrastructure, and product excellence. Many engineers come from leading tech companies.

## Sources
1. [thoughtmachine.net](https://www.thoughtmachine.net/)
2. [thoughtmachine.net/about-us](https://www.thoughtmachine.net/about-us)
3. [thoughtmachine.net/life-at-thought-machine](https://www.thoughtmachine.net/life-at-thought-machine)
4. [thoughtmachine.net/meet-our-team](https://www.thoughtmachine.net/meet-our-team)
5. [LinkedIn Company Page](https://uk.linkedin.com/company/thought-machine)
6. [Careers Page (Ashby)](https://jobs.ashbyhq.com/thought-machine)

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