Full Stack Engineer

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 an engineering-focused company, we take pride in our engineering excellence, adopting best practices, and utilising modern technologies. Thought Machine software engineers work across the stack to solve complex engineering problems that have not been solved before. As a result, while development at Thought Machine is fast-paced, you will be expected to develop code to the highest standards that scales, is secure, performant, and provides a great user experience. Software Engineers will take complete ownership of a requirement, converting it into an engineering design, task breakdown, and implementation. You’ll be responsible for building both backend services and frontend experiences. Our clients range from the world’s largest financial institutions to smaller regional banks. Our systems must cater to each of these use cases, so we care deeply about providing the ability to configure and customise the user experience based on the client's or end user's persona. Software engineers are expected to bridge the gap between back-end and front-end, crafting delightful experiences that delight all our clients. This is a full-time, permanent position based in our London office, requiring three days a week onsite, with the option to work four days per week, which includes an additional financial allowance. Duties Design and implement end-to-end features across the stack, including web applications and backend services. Ensure your solutions are delivered with security, performance, scale, and user experience in mind. Write automated unit, integration, acceptance tests, etc. Interface with other engineering teams to ensure that features are added in a structured and coherent way. Managing and debugging your features from testing environments to production. Translating customer requirements into a clear plan that can be delivered via tasks. Collaborating as part of a cross-functional team of backend, front-end, and full-stack engineers. Essential Experience with React and TypeScript. Proficiency in writing modern web applications. Experience writing REST APIs and services. A keen eye for detail and a passion for writing clean, readable, properly tested code. Experience in integrating automated tests into the development lifecycle. Interest in client-facing projects, including scoping requirements and defining deliverables. A proactive approach to learning and development. Desirable Knowledge of banking/finance. Experience with AWS or other cloud providers. Proficiency in Golang or Python. An understanding of both UX and UI principles. Experience using Figma and UI frameworks. Visual design skills. Familiar with databases (SQL or NoSQL). Experience with client/server software architectures & networking, or microservice architectures. Experience using Kubernetes. 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.