Senior Software Engineer - Backend

Who we are

We are a rapidly growing pan-European digital wealth manager, serving over 167,000 active investors with more than £5.5 billion invested on our platform. We began in Milan in 2011 with the purpose to help more people improve their financial well-being by making personal investing simple and accessible through technology. Fast forward to today, and we are recognised as one of the most innovative fintechs, headquartered in the heart of London.

With a team of 220+ people across 4 offices in Italy and the UK, we are proudly backed and funded by major partners including Poste Italiane, Cabot Square Capital, United Ventures, and Allianz.

Our vision

Our vision is to combine passion, expertise, and technology to provide best-in-class investment solutions and advice that protects and grows client wealth over time.

Our Core Values:

We’ve built our business on three Principles:

• Relationships are our first asset: We’re one team, built on trust, honesty, and transparency. We value our relationships above all else.
• Trust drives success: We give each other the space to grow. We empower our employees to succeed, so they can make a real impact.
• Our customers dream big, just like us: We see the bigger picture and we make sure our customers see it, too. We’re always focused on the best outcomes for our clients and for each other, no matter what the goal, or how big the dream

What this means in practice:

At Moneyfarm, our success comes from the impact each of us makes. We move with purpose, urgency, and ambition, focused on delivering outcomes that matter for our clients and our business. Everyone is empowered to take ownership, challenge the status quo, and turn bold ideas into results. As we evolve, we embrace AI as a catalyst for sharper thinking, smarter decisions, and even greater impact.

Our diversity makes this possible. Different perspectives, backgrounds, and experiences fuel our creativity and drive better decisions — it’s our competitive edge. We value people for who they are and their unique strengths: that's why we offer flexible ways of working to support them in doing their best work.

About the role:

Moneyfarm operates a Bubble structure: cross-functional, outcome-driven teams that bring together Product, Tech, Commercial, and other disciplines around a shared KPI set. This role sits in the Partners Bubble, which owns the outcomes that grow Moneyfarm's B2B2C business - delivering our platform, products and engagement capabilities through institutional banking and financial services partners.

Moneyfarm’s Partners Engineering team builds and operates the B2B platform that enables strategic partnerships with major banks and financial institutions. The team designs integrations, product gateways, and shared services that allow partners to offer Moneyfarm’s digital wealth management capabilities embedded within their own channels.

As Senior Backend Engineer, you will take ownership of complex backend services and deliver them end-to-end, from technical design through deployment. Your work may span building new product gateways, implementing data exchange pipelines with partner systems, designing order execution flows, or developing billing and reconciliation services. You will collaborate closely with the Lead Engineer and Engineering Manager, and you will be expected to occasionally lead specific technical streams within the team.

Key Responsibilities

• Design, build, and maintain backend services for the Partners B2B platform, taking ownership of complex features from design to deployment
• Implement API integrations with partner banks and third-party providers, handling order execution, suitability verification, document management, and data exchange
• Lead specific technical streams (e.g., product gateways, digital signature flow, performance data pipeline, billing) with minimal oversight
• Contribute to architectural decisions and actively participate in design discussions, including non-functional requirements (scalability, fault tolerance, security, data quality)
• Collaborate with Product, Business, and partner-facing teams to understand requirements, identify gaps, and propose technical solutions that balance quality with delivery speed
• Write clean, testable, and well-documented code; maintain high standards through thorough code reviews
• Anticipate potential bottlenecks and proactively address them before they become critical
• Provide reliable estimates even in ambiguous contexts, taking a managerial and assumption-based approach when requirements are unclear
• Mentor more junior engineers through code reviews, pairing, and knowledge sharing
• Contribute to cross-team improvements: engineering patterns, shared libraries, testing strategies, and documentation

• 5+ years of professional software engineering experience, with a strong backend focus
• Proficiency in at least one of: Java or Go
• Hands-on experience using agentic AI tools to accelerate daily development: code generation, refactoring, test scaffolding, codebase exploration, and code review. You treat AI as a productivity multiplier and know how to evaluate its output critically.
• A proactive, problem-solving approach enabled by AI: you use AI tools not only to write code, but to troubleshoot issues, triage bugs, draft reports, and iterate quickly from problem to working solution.
• Solid experience building and operating microservices in production, including API design, database modelling, and messaging patterns
• Strong knowledge of software architecture and design patterns; ability to define and reason about non-functional requirements
• Experience with cloud platforms (AWS preferred): compute, databases, queues, CI/CD
• Effective debugging techniques and familiarity with observability tools (logs, traces, metrics)
• Ability to work autonomously on complex projects, managing risks and communicating progress clearly
• A product mindset: you understand how your technical work maps to business outcomes and customer value
• Good communication skills across functions; comfortable working with Product, Design, Business, and external partners
• Willingness to embrace cross-functionality and collaborate actively with experts from different competences
• Nice to have
• Experience with insurance/pension product domains
• Familiarity with financial systems: order management, portfolio management, billing, reconciliation
• Experience with event-driven architectures
• Italian language proficiency

Level & Compensation:

We apply CCNL Credito and based on candidate's experience and skills, we will assign title of Senior Software Engineer — Backend.

The salary ranges for this role as follows:

- Senior Software Engineer — Backend from €48.000 to € 68.000 gross per year plus bonus