Software Engineer | S2 | Credit Risk – Enterprise Services | Milton Keynes | Internal Mobility

Software Engineer | S2 | Credit Risk – Enterprise Services | Milton Keynes | Internal MobilityCountry: United Kingdom

IT STARTS HERE

Santander (www.santander.com) is evolving from a global, high-impact brand into a technology-driven organisation, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible.

This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference.

Our mission is to contribute to help more people and businesses prosper. We embrace a robust risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Santander Digital Services is the team of technology and operations at Santander. We are convinced of the importance of technology that is aligned with the requirements of the business and that out work not only brings value to users, people and communities but also fosters individual creativity. Our team of over 7,000 people in 8 countries (Spain, Portugal, Poland, UK, USA, Mexico, Chile and Brazil) develops and/or implements financial solutions across a broad spectrum of technologies (including Blockchain, Big Data and Angular among others) on all kinds of on-premise and cloud-based platforms

THE DIFFERENCE YOU MAKE

Credit Risk Technology, Enterprise Services is looking for a Software Engineer based out of Unity Place, Milton Keynes.

This is a pivotal time for Credit Risk Technology as we continue to transform the way we operate and modernise our technology landscape to meet evolving customer expectations and industry change. Our team delivers secure, reliable, and innovative Customer Acquisition and Customer Management functions.

This role will play a key part in delivering Behavioural Scoring initiatives, ensuring effective Customer Management throughout their lifecycle with the Bank, which are critical to Capital and Regulatory reporting.

As a Software Engineer, you will help shape the future, driving transformation, simplification, and engineering excellence across our systems. If you’re passionate about technology, cloud engineering and Customer Management, we’d love to hear from you.

We’re shaping the way we work—through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for:

• Work across Risk & Compliance and wider technology teams to establish consistent architectural and engineering standards.
• Strengthen internal specialist capability and knowledge retention, reducing reliance on external resources and supporting longer-term succession planning.
• Identify opportunities to improve automation, operational resilience and platform efficiency.
• Support our data-driven transformation through the adoption of cloud-native and open-source technologies.
• Collaborate with business stakeholders, architects, and engineering managers to refine and deliver functional and technical solutions.
• Ensure services remain stable, secure, and performant in production by minimising incidents and maximising service quality.
• A working knowledge and understanding of GenAI tools.

WHAT YOU’LL BRING

Our people are our greatest strength. Every individual contributes unique perspectives that make us greater as a team and as an organisation. We’re enabling teams to go beyond by valuing who they are and empowering what they bring.

The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Professional Experience

• Proven experience as a Software Engineer. (Required)
• Experience in back end systems, APIs and databases. (Required)
• Experience working with Agile software development practices, including unit testing, Test-Driven Development (TDD), and CI/CD. (Required)
• Hands-on experience using tools such as GitHub, Jira, Jenkins, and automated code quality and security scanning tools throughout the software development lifecycle. (Required)
• Experience supporting and resolving production incidents in a live environment. (Required)
• Experience working within Credit Risk, Fraud, or other highly regulated industries. (Preferred)

Education

• Currently undertaking, or eligible to continue, a relevant technology apprenticeship or structured development programme. (Required)
• A great commitment to continued technical and professional development. (Required)
• Relevant technical qualifications or certifications. (Preferred)

Languages

• No additional languages required for this role.

Hard Skills

• Proficient in SDLC, Waterfall & Agile methodologies. (Required)
• Exposure to DevOps tooling and automation supporting continuous integration and delivery. (Required)
• Knowledge of AWS services and event-driven architectures. (Preferred)
• Experience working with SQL databases (Oracle, PostgreSQL, MySQL, Aurora) and NoSQL technologies (DynamoDB, MongoDB). (Preferred)

Soft Skills

• Excellent communication/interpersonal skills and able to manage stakeholders at all levels. (Required)
• Good problem-solving skills with the ability to work effectively in a fast-paced, highly regulated environment. (Required)
• Seeking opportunities to expand knowledge and skills through training, self-study or mentorship and assisting in troubleshooting technical problems. (Required)

WE VALUE YOUR IMPACT

At Santander, your contribution matters. We recognise the difference you make every day, and we make sure you feel valued, supported and rewarded in return. Here, recognition goes beyond pay. It’s about the pride you feel in your work, the impact you have on customers and communities, and the opportunities you have to grow and thrive – personally and professionally.

Salary Range:

£45,320 – £67,980 per annum (depending on experience)

This salary range represents the expected remuneration for the role. Annual salary is based on a standard 35-hour working week. Actual salary offered will depend on skills, experience, qualifications and location.

• Competitive rewards that reflect the real impact you make and the value you bring.
• Wellbeing that goes beyond work – we work with a range of wellbeing partners across our 4 pillars of wellbeing (physical, mental, social and financial) to give you access to a suite of apps, discounted gym and fitness access, weekly online classes, flexible healthcare and mental health support.
• Support for every life stage – from menopause and pregnancy to parenthood and beyond, with enhanced family leave, childcare options and tailored wellbeing support.
• Time to give back through volunteering opportunities that let you make a difference in the communities we serve.
• Global growth opportunities to shape your career, learn new skills and explore what’s possible across our international network.

Ready to be recognised? It starts with you.

LOCAL COMPLIANCE

At Santander, we’re proud to be an inclusive organisation that provides equal opportunities for everyone – regardless of age, gender, disability, civil status, race, religion or sexual orientation.

We’re committed to creating a recruitment experience that’s accessible, fair and welcoming for all candidates.

We want our people to thrive – at work and at home – while delivering the best outcomes for our customers and supporting each other to grow.

To make this possible, our roles are site-based with a hybrid working pattern, where colleagues are expected to attend the office at least 12 days per month (pro-rata for part-time roles).

When applying, please consider the travel distance, time and cost to your chosen office location(s).

IMPORTANT INFORMATION FOR INTERNAL APPLICANTS:

PERMANENT ROLES:

• If you are currently employed by Santander UK plc on TSB Legacy terms or by TSB and choose to apply for this Santander vacancy, please be aware that, if successful, you will move onto full Santander terms and conditions of employment and will no longer be part of the TSB Legacy population with effect from the start date of your new role.

WHAT TO DO NEXT

If this sounds like a role you are interested in, then please apply.

For further Guidance please visit Internal Mobility - Candidate Guidance.

If you want to know more about the opportunity:

Please contact: Ben Purnell – ben.purnell@santander.co.uk

The Santander Way

Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible.

This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference.

Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Ready to make it happen?

It starts with you. It starts here.