---
title: 'Staff Software Engineer, Multi-Product Experience at Funding Circle'
canonical: 'https://feeny.ai/job/staff-software-engineer-multi-product-experience-funding-circle-london-j3k9rf8sxmdf'
type: 'job'
last_seen: '2026-11-04'
---

# Staff Software Engineer, Multi-Product Experience at Funding Circle

- **Company:** Funding Circle
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-11-02
- **Last confirmed live:** 2026-11-04
- **Apply:** https://jobs.ashbyhq.com/fundingcircle/4953db18-1f11-47c9-a841-cc2d07ef44e3

## Job description

We’re on a mission to back the UK’s small businesses like no one else 🚀 Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks.

At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts.

We’re a high-performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better.

The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy 📈 Come and join a mission that matters! [[Read our Impact Report](https://www.fundingcircle.com/uk/impact)] | [[See our Trustpilot](https://uk.trustpilot.com/review/fundingcircle.com)]

## The role ⚡

📍 London (Hybrid) | 🤝 2 days in the office | 💰 Competitive Salary + Benefits

We are looking for an experienced Staff Engineer with an excellent track record of technical leadership for our Product Engineering team.

The role sits within our Multi-Product Experiences Engineering Group, providing technical leadership for the area responsible for the multi-product capabilities used by internal and external customers to browse, apply for and manage Funding Circle’s class-leading credit products. Staff Engineers are amongst the most senior leaders we have within our Technology function and as such are responsible for raising the bar and enabling us to achieve the incredible.

As a Staff Engineer within our MPX domain you’ll:

- Collaborate with product leadership early to understand the business goals and shape the technical direction to deliver on it. You translate this into a target system and data architecture with clear milestones to iterate towards it
- Have strong technical documentation skills and are able to write clear and thorough technical designs and standards
- Have high standards, drive continuous improvement, and take others on the journey to be even better
- Proactively identify and leverage the latest Generative AI tools and techniques to drive innovation and transform our engineering processes, helping the organisation become fully "AI Native."
- Actively coach Lead Engineers, giving them feedback on their solutions, and guardrails for making decisions. You play an important part in their personal development through mentorship and are a role model for aspiring Staff Engineers
- Perform deep-dives and troubleshoot issues in a hands-on capacity, but seek to enable the teams rather than becoming a dependency for future issues.
- Interact with different stakeholders and present technology solutions, risks and tradeoffs to any audience across Funding Circle, demonstrating the ability to influence without requiring reporting authority to do so
- Take accountability for high-level solution design and technology decisions within your Group
- Have sound commercial acumen and a solid understanding of how tech drives the top and bottom line. Your impact is connected to customer and commercial outcomes
- Represent Funding Circle externally at events, leveraging your network to share industry trends and insight, as well as attracting talent to Funding Circle.

## What we’re looking for 🌱

- A curious mindset and an ability to continuously improve the Technology function
- An engineering leader who can lead on solving high-level problems, whilst also deep-diving into technical challenges in a hands-on capacity
- Strong technical documentation skills
- Strong communication skills
- Experience in at least one major Programming language (e.g. Python, Ruby, Java)
- A strong fundamental programmer (data structures, algorithms)
- Familiar with developing on Unix/Linux
- Knowledgeable of Agile, Scrum, BDD, TDD and CI/CD
- Experienced in delivering mission-critical, high-value products, and services
- A strong passion for and proven experience in adopting and applying emerging technologies, particularly Generative AI, to solve complex engineering challenges and drive transformational change across an organisation.

We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.

## Why join us? 💜

We back you to build an incredible career and by joining us, you'll be part of one of The Sunday Times Best Companies to Work For 2026! As a flexible-first employer, we use a "best of both" approach. We’ll see you in our London office to collaborate – with barista coffee and subsidised Just Eat lunches on us! Our Circler Proposition focuses on five areas:

- Flexibility: We provide a benefit allowance you can tailor to your own life and family.
- Health: This includes private medical and dental, health assessments, and access to a digital GP.
- Wealth: We offer life assurance, share schemes, and financial coaching.
- Development: You get a dedicated annual learning allowance to help you level up.
- Lifestyle: We have electric car and cycle-to-work schemes, plus season ticket loans.

We also have award-winning parental leave policies. We're here to support you through the big life moments, from fertility treatments to new additions to the family.

Ready to join a mission that matters? We’d love to chat!

## About Funding Circle

## Company Overview
- **One-liner**: Funding Circle backs small businesses by providing fast, simple access to finance through a proprietary technology and data engine.
- **Entity Type**: Public (LSE: FCH)
- **Headquarters**: London, United Kingdom
- **Founded**: 2010
- **Founders**: Not specified in provided search results

## Core Business
- **Primary industry**: Fintech / Online Lending (SME Finance)
- **Target customers**: Small and medium-sized businesses (B2B)
- **Mission**: “To back the small businesses that power the economy.” [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)

## Products & Services
- **Term Loans**: Unsecured loans up to £750,000, up to six years, with a typical personal guarantee. Applications take ~7 minutes, decisions in as little as 1 hour, funds within 48 hours. [fundingcircle.com](https://www.fundingcircle.com/uk/about-us/)
- **FlexiPay Line of Credit**: Flexible credit facility for businesses. [fundingcircle.com](https://www.fundingcircle.com/uk/)
- **Cashback Business Credit Card**: A credit card offering cashback on spending. [fundingcircle.com](https://www.fundingcircle.com/uk/about-us/)
- **Asset Finance** (via third-party partners): Finance for equipment through expert partners. [fundingcircle.com](https://www.fundingcircle.com/uk/about-us/)
- **Marketplace Platform**: Connects SMEs with a panel of 28 institutional lenders (asset managers, funds, etc.) using a hybrid funding model combining capital-light marketplace and balance sheet lending. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)

## Market Standing
- **Valuation/Market Cap**: Not disclosed in provided sources (publicly traded, current market cap not included)
- **Key Metrics**:
  - £17 billion lent to UK businesses since 2010. [fundingcircle.com](https://www.fundingcircle.com/uk/)
  - 125,000+ SMEs supported. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - £7.9 billion contribution to UK GDP in 2025. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - 4.5/5 Trustpilot rating (16,700+ reviews). [fundingcircle.com](https://www.fundingcircle.com/uk/)
  - Customer NPS of 79. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - A customer transacts every 38 seconds. [fundingcircle.com](https://www.fundingcircle.com/uk/)
- **Notable Investors/Partners**: Institutional investors (asset managers, funds) and a Senior Citi facility. Specific names not provided in sources. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
- **Growth Signals**:
  - 73% of applicants receive an instant decision. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - 3x better risk discrimination than traditional credit bureaus. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - Evolved from a single-product lender to a multi-product platform. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)
  - Transforming into an “AI-native” business. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/our-people)

## Competitive Advantages
- **Proprietary Technology & Data Engine**: Deep data lake and predictive risk model enable fast, accurate lending decisions.
- **Instant Decision Platform**: Six-minute application with 24-hour turnaround; 73% of applicants get an instant decision.
- **Multi-Product Ecosystem**: Offers loans, credit lines, credit cards, and asset finance – a comprehensive financial partner for SMEs.
- **Strong Brand & Scale**: Recognised as the “UK’s number 1 business lending platform” with over £17 billion lent.
- **Hybrid Funding Model**: Combines capital-light marketplace lending with balance sheet funding for resilience and scalability.

## Strategic Focus
- **Customer Centricity & Innovation**: “Obsess over the customer” is a core value; continuous product expansion to meet evolving SME needs.
- **Profitable Growth**: Following a multi-year transformation, the company is sustainably profitable and focused on scaling responsibly.
- **AI-Native Transformation**: Embedding AI across operations to enhance risk assessment, customer experience, and efficiency. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/our-people)
- **Seamless Lifetime Customer Experience**: Aiming to serve SMEs at every stage of their journey with tailored finance. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/company-overview)

## Why Work Here
- **Hybrid-First Workplace**: Typically 3 days per week in the central London office (2 days for tech teams). Flexible working fully supported. [fundingcircle.com](https://www.fundingcircle.com/uk/careers/)
- **Family-Friendly Policies**: 26 weeks full pay for maternity leave, 6 weeks partner leave, and adoption leave at full pay. [fundingcircle.com](https://www.fundingcircle.com/uk/careers/)
- **Development & Growth**: Internal learning platform with 5,000+ courses, “squiggly careers” support for non-linear progression. [fundingcircle.com](https://www.fundingcircle.com/uk/careers/)
- **Culture & Recognition**:
  - Named a Sunday Times Best Place to Work 2026. [fundingcircle.com](https://www.fundingcircle.com/uk/careers/)
  - “No blame” culture with open feedback.
  - Diversity, equity and inclusion are core: signatory of HM Treasury Women in Finance Charter.
  - All permanent employees hold options or shares in the company. [corporate.fundingcircle.com](https://corporate.fundingcircle.com/about-us/our-people)
- **Inclusive Recruitment**: Anti-bias hiring framework; diverse interview panels; salaries benchmarked internally and externally. [fundingcircle.com](https://www.fundingcircle.com/uk/careers/)

## Sources
1. [corporate.fundingcircle.com - Company Overview](https://corporate.fundingcircle.com/about-us/company-overview)
2. [fundingcircle.com - Careers](https://www.fundingcircle.com/uk/careers/)
3. [corporate.fundingcircle.com - Our People](https://corporate.fundingcircle.com/about-us/our-people)
4. [fundingcircle.com - About Us](https://www.fundingcircle.com/uk/about-us/)
5. [fundingcircle.com - Homepage](https://www.fundingcircle.com/uk/)

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