Our Story Hello there. We’re Zopa. We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com! We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces. If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife The engineering challenge Our Software Engineers don't just write code, they solve real financial problems for millions of customers. You'll work on distributed systems processing thousands of transactions daily, build resilient services that handle people's money, and create experiences that make traditionally complex financial products feel simple. Your impact:

Owning complex initiatives end to end, from idea to measurable outcome

Designing scalable backend systems that stand up to real-world scale and complexity

Making architectural decisions that balance immediate delivery with long-term sustainability

Bringing structure and clarity to ambiguous problems

Influencing prioritisation and trade-offs across teams

Raising the bar for engineering quality, reliability and accountability

Mentoring engineers and strengthening overall team capability

Driving continuous improvement in how we build and operate systems

Your toolkit:

A track record of delivering high-impact, complex systems in production environments

Strong systems thinking and architectural judgement

The ability to navigate ambiguity and turn complexity into clear, actionable plans

Confidence making data-informed technical decisions with long-term consequences in mind

Experience influencing beyond your immediate team

A deep customer focus and a bias toward measurable outcomes

A genuine commitment to engineering quality and raising standards

Experience mentoring others and amplifying team impact

Ownership beyond your own output

We’re intentionally technology agnostic. What matters to us is how you think, how you solve problems and the scale of what you’ve built.

Our engineering culture:

Customer impact over unnecessary complexity

Team success over individual heroics

Operational ownership, not just feature delivery

Continuous improvement through honest feedback

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At Zopa we value flexible ways of working.

We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.

You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.

*Subject to having the right to work in the country of choice

Diversity Statement

Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.

Senior Software Engineer - London

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