Backend Engineer (Remote within the UK) Engineering · Shoreditch ·

Chip Financial Ltd; City of London; Hybrid; GBP 46,000 - 65,000; Full time

Job summary

A fast-growing fintech company in the City of London is looking for talented Backend Engineers. In this role, you'll develop new features and services, work on API capabilities, and deploy microservices across AWS. Ideal candidates have PHP experience and are eager to learn GO, with a strong understanding of microservice architecture. Join a dynamic team committed to building the investment super app of the future.

Benefits

£46,000 - £65,000 per annum

Bi-Annual Performance-Related Bonus

Workplace pension scheme

Private medical insurance

Employee Assistance Programme

Cycle to work scheme

Season ticket loan

Free ChipX subscription

Flexible working arrangements

28 days holiday plus bank holidays

Annual training budget

£30 per month Chip Fitness Benefit

Company laptop

Qualifications

• Experience in PHP with a desire to learn GO.
• Knowledge of a PHP framework like Laravel or Symfony is essential.
• Familiar with design patterns.
• Experience with data structures and performance audits.
• Development experience using Docker.
• Strong knowledge of microservice architecture and AWS.

Responsibilities

• Develop new API capabilities for customer features.
• Work on microservices deployed across the AWS estate.
• Participate in company-wide show & tell sessions.

Skills

PHP programming

Interest in GO

Laravel or Symfony

Knowledge of design patterns

Understanding of mutable vs immutable databases

Data manipulation

Containers (Docker)

Branching strategies

Microservice architecture

Job description

Overview

We are looking for talented and dedicated Backend Engineers to help us build out a world beating feature set. Joining our engineering team you’ll be responsible for developing new features and services to help us continue to deliver a great product to our customers that helps our company and their money grow.

What you can expect to be doing

You will be working with a team to deliver new API capabilities that provide features for Chips customers intended to grow our user base and retain them in the long run. This will be achieved by working on the development of new microservices that will be deployed across our AWS estate. You will regularly be involved in show & tell sessions with the goal of helping enable not just the engineers but the whole company in understanding what it is to be an engineer at Chip.

What we’re looking for

• Programming language experience in PHP with an interest to learn GO
• Experience with a PHP framework such as Laravel or Symfony
• Knowledge of design patterns (bus, repository, decorator, etc)
• An understanding of mutable vs immutable databases
• Experience with manipulating data structures and performing performance audits of codebase and database
• Development locally with Containers (Docker) through to production
• Strong understanding of branching strategies and where best to use them
• An understanding of Microservice architecture and how to develop microservices / working on the development of microservices deployed across AWS estate

What we’re really looking for

Someone with a genuine interest in Chip and is excited about being part of a fast-growing company and our mission to build the investment super app of the future.

Although we’re in the financial space, and under the scrutiny that comes with it, the current engineering team works well together, and even sometimes with a smile. We’re sure you’ve got the technical skills, otherwise, you would have stopped reading by now, so let us be clear on what will make us want to work with you.

We want a real person, with interests outside of work, to join our team. You could be a dancer, a gamer, a musician, a parent, a hockey fan, or even that one person that still writes Twilight fan-fiction. Doesn’t matter to us.

At the interview stages, we will be looking for empathy, eq, fun stories, and the ability to smile even when things are tough.

Working hours

• Monday to Thursday: 9:00 AM – 6:00 PM
• Friday: 8:00 AM – 4:00 PM (Start your weekend early!)

Enjoy a structured yet balanced workweek, with an early Friday finish to kickstart your weekend!

Perks

• £46,000 - £65,000 per annum
• Discretionary Performance-Related Bi-Annual Bonus of up to 10% (Cash) and 5% (Shares) based on your gross annual salary
• Workplace pension scheme - We invest in your future with a workplace pension scheme, contributing 5% on earnings up to £50,000. Plan ahead with confidence while you grow your career! 🚀
• Fully comprehensive private medical insurance (medical history disregarded)
• Employee Assistance Programme
• Cycle to work scheme
• Season ticket loan
• Free ChipX subscription for UK-based employees
• We are an equal-opportunity employer and value diversity
• Flexible working arrangements
• 28 days holiday plus bank holidays, plus the days between Christmas and New Year
• Annual training budget for courses, workshops, or conferences to help you advance your career
• £30 per month Chip Fitness Benefit to suit your Mental/Physical Wellbeing
• Company laptop
• Opportunity to have a huge impact on our product while fast-tracking your knowledge, responsibility and skills in a high-growth fintech startup

Our Interview Process

1. Video screen with someone from our Talent team
2. Short take-home test
3. Video interview with hiring manager and Senior Engineer
4. Final interview with Product Manager

About Chip

Our mission is to make our customers wealthy. We are building the wealth super app of the future, an app to build long-term wealth across savings, investments and pensions. We use technology to break down barriers so users can invest like the ultra-wealthy, giving them one simple place to manage, grow and protect their wealth. Chip serves over 300,000 active customers and looks after over £5billion in assets. These customers trust us to build the most amazing product we can, so working at Chip comes with real purpose.

Chip is being built by a fast-growing team of designers, developers, customer service professionals, marketers, banking experts, and entrepreneurs. Our funding story though is a little different. Chip is one of the most crowd-funded businesses in Europe, having raised over £50m from 29,000 investors, over 9 years.

Our vision

We know planning for your future can be a tedious, daunting task often avoided, so we want to change that. We are building the wealth app for our community, giving them one place for saving and investing.

We are giving customers control and guidance to effortlessly build their long-term wealth using award-winning tech, while celebrating their achievements along the way.

Who we are

Chip has a creative and diverse team of 180, from all different backgrounds and industries. We’re driven and passionate people, but no one takes themselves too seriously.

We have awards such as Best Personal Finance App at the 2022, 2024 & 2025 British Bank Awards.

Equal Opportunities

We are passionate and committed to our people and go beyond the rhetoric of diversity and inclusion. You will be working in an inclusive environment and be encouraged to bring your whole self to work. As a growing business we will encourage you to develop your professional and personal aspirations, enjoy new experiences, and learn from the talented people you will be working with. We encourage applications from people irrespective of gender, race, sexual orientation, religion, age, disability status or caring responsibilities.