Senior Software Engineer

Updraft: Helping You Make Changes That Pay Off

Updraft is an award winning, FCA-authorised, high-growth fintech based in London. Our vision is to revolutionise the way people spend and think about money, by automating the day to day decisions involved in managing money and mainstream borrowings like credit cards, overdrafts and other loans.

Features include:

• A 360 degree spending view across all your financial accounts (using Open Banking)
• A free credit report with tips and guidance to help improve your credit score
• Native AI led personalised financial planning to help users manage money, pay off their debts and improve their credit scores.
• Intelligent lending products to help reduce cost of credit

We have built scale and are getting well recognised in the UK fintech ecosystem.

• 800k+ users of the mobile app that has helped users swap c £500 m of costly credit-card debt for smarter credit, putting hundreds of thousands on a path to better financial health
• The product is highly rated by our customers. We are rated 4.8 on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store.
• We are selected for Technation Future Fifty 2025 – a program that recognizes and supports successful and innovative scaleups to IPOs - 30% of UK unicorns have come out of this program.
• Updraft once again featured on the Sifted 100 UK startups - among only 25 companies to have made the list over both years 2024 and 2025.

We are looking for exceptional talent to join us on our next stage of growth with a compelling proposition - purpose you can feel, impact you can measure, and ownership you'll actually hold. Expect a hybrid, Bengaluru-hub culture where cross-functional squads tackle real-world problems with cutting-edge tech; generous learning budgets and wellness benefits; and the freedom to experiment, ship, and see your work reflected in customers' financial freedom.

At Updraft, you'll help build a fairer credit system.

Responsibilities

• Design and develop efficient, scalable server-side components that integrate seamlessly with client applications.
• Contribute to architectural improvements and maintain high standards of code performance and maintainability.
• Build and extend backend features using internal and third-party APIs (e.g., Modulr, Truelayer, Checkout.com) to support lending products including loan applications, collections, and payments.
• Develop internal tools to automate operational workflows, significantly reducing manual effort and increasing team efficiency.
• Collaborate with the data team to deliver data-driven enhancements such as dynamic pricing and personalised user experiences.
• Work alongside front-end and product teams to build innovative solutions that empower users to manage their finances more effectively.