Full Stack Engineer (UK)

Allica Bank

About Allica Bank Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech. Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers. Department Description Technology sits at the centre of Allica. We design and build the platforms that power the bank, working closely with every part of the business to deliver real impact for customers. Our teams move quickly, focus on outcomes, and take ownership from concept through to delivery. We solve complex problems, modernise processes, and enable the business to scale with confidence. What makes us different is the level of influence and autonomy engineers have. We work without the weight of legacy systems, which means we can focus on building for the future. Everyone contributes ideas and helps shape how we operate, and roles evolve as the organisation grows. This is a place for people who want to have a tangible impact and do their best work in a modern, collaborative environment. Role Description The Senior Full Stack Engineer leads the technical design and delivery within a single squad and line-manages 1–2 Full Stack Engineers. The role exists to ensure the squad delivers secure, reliable, and accessible products, while maintaining high engineering standards and an excellent developer experience. You will use your expertise in Spring Boot microservices (Kotlin/Java) and modern web technologies (React/TypeScript) to design and deliver complex features end-to-end. Our backend services run as containerised applications on Azure Container Apps, and our web applications are deployed via Azure Static Web Apps; you will ensure the squad’s services and applications are production-ready and effectively use these platforms. You will drive best practices in observability, CI/CD, security, performance, and accessibility, ensuring systems meet the standards expected of a UK bank. You will create and maintain Architecture Decision Records (ADRs) for significant decisions, aligning with organisation-wide patterns. You are hands-on and collaborative: you design features, write code, review changes, mentor engineers in your squad, and work closely with Product and Design. You model responsible, effective use of GenAI tools (e.g. GitHub Copilot) to improve productivity and quality. Success in this role is measured by the squad’s delivery of complex features, improvements in SLOs and operational metrics, the health of the codebase, and the growth and effectiveness of your squad. Principal Accountabilities * Lead the end-to-end design and delivery of complex features across the full stack using: * Backend: Kotlin/Java Spring Boot microservices, containerised and deployed on Azure Container Apps, exposing REST/OpenAPI APIs and integrating with other services and data stores. * Frontend: React/TypeScript, shared design system components, and agreed architectural patterns (e.g. Nx, micro frontends), deployed on Azure Static Web Apps. * Produce clear Architecture Decision Records (ADRs) for significant technical decisions, documenting context, options, trade-offs, and outcomes that align with organisation-wide standards. * Own and improve SLOs and operational metrics for the squad’s services; monitor error budgets, participate in incident response, and drive improvements to reduce incidents and MTTR. * Champion secure and compliant design: * Apply secure coding practices and threat modelling. * Ensure logging, audit trails, and data handling meet regulatory and privacy requirements. * Ensure accessibility standards are met in user-facing features. * Strengthen observability and operational excellence within the squad (metrics, tracing, logs, dashboards, runbooks, alerts) and ensure they are used effectively. * Drive improvements to the squad’s developer experience (CI/CD pipelines, test strategy, local development workflows, release practices) in line with wider engineering standards and cloud deployment patterns. * Model responsible AI-assisted engineering: * Use GitHub Copilot and other approved tools to improve speed, quality, and consistency. * Validate and refine AI-generated code to ensure correctness, maintainability, and compliance. * Contribute to documentation and feedback loops on AI usage in partnership with Staff Engineers. * Provide technical mentorship and line management for Full Stack Engineers in the squad, supporting their growth in technical skills, ownership, and delivery capability. * Collaborate closely with Product Managers and Designers to ensure technical feasibility, shape solutions, and align technical work with product goals and timelines. * Maintain high standards of code quality, testing, documentation, and maintainability across the squad’s codebase, actively reducing technical debt. Personal Attributes & Experience * Strong experience designing, building, and operating Spring Boot microservices in Kotlin or Java, including REST APIs, integrations, and containerised deployments on a major cloud platform (Azure preferred; AWS or Google Cloud also relevant). * Good knowledge of React and TypeScript, with practical experience building accessible, performant, and maintainable user interfaces. * Proven ability to design robust, scalable solutions within a squad context, aligning with broader architectural guidelines. * Good understanding of distributed systems fundamentals (resilience, latency, consistency, failure modes) appropriate to microservices. * Strong understanding of secure coding practices (e.g. OWASP), privacy considerations, and security/compliance expectations in production systems. * Experience with observability tooling, incident response, and CI/CD pipelines; familiarity with Azure DevOps Pipelines and Azure deployment services is beneficial. * Demonstrated ability to improve codebase quality through refactoring, better abstractions, and clear boundaries between modules and services. * Experience mentoring engineers (pairing, code review, design guidance) and some experience of line management or formal coaching responsibilities. * Experience using GenAI tools (such as GitHub Copilot) to improve productivity and code quality, with a clear understanding of their limitations and validation requirements. * Strong communication and collaboration skills, able to work effectively with Product, Design, and other stakeholders to deliver outcomes. Working at Allica Bank At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers. Our employees are at the heart of everything we do, so our benefits are designed with you in mind: * Full onboarding support and continued development opportunities * Options for flexible working * Regular social activities * Pension contributions * Discretionary bonus scheme * Private health cover * Life assurance * Family friendly policies including enhanced Maternity & Paternity leave Don’t tick every box? Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you! Flexible working We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate. Diversity We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.

Allica Bank

About Allica Bank Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech. Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers. Role Description The Complaints Handler role works within the Complaints Team. As a new and fast growing bank, Allica is now of a scale that a full team is required to manage all Complaints and disputes within the bank. We are known for excellent service, but when customers don’t have a good experience we need to assess and learn why. The role will be to support the growing Complaints function in the business. This will require logging, investigating and managing a wide variety of complaints and disputes, relating to our customers. This will require working alongside the Complaints Manager, Senior Complaints Handler and the wider Operations team, as well as other departments and functions outside of the Operations team. A confident communicator (written and verbal), the successful candidate will be highly organised, delivery focused, and passionate about Customer Experience. Principal Accountabilities * Field inbound communications from customers – either over voice, chat or social media – to action their requests, resolve their issues and manage complaints through to resolution. * You’ll be responsible for case management, and this may include outbound customer communications, payments and letter writing. * Some of the key exceptions you’ll be dealing with will include KYC, complaints, vulnerable customers, deceased/power of attorney cases and SME customers who might have complex needs. * Proactively identify areas for process improvement and to seek new and innovative ways to better serve the customer. * Represent the Banks values when speaking to customers. * To support other teams as appropriate, where customer communication or engagement is required. Personal Attributes & Experience * Strong customer service experience, having worked in customer facing and or telephone service roles. * Experience using core banking systems and familiar with the use and application of social media as a form of interaction. * Experience in dealing with complex complaints and in taking ownership of customer concerns through to resolution. * Experience of core processes (e.g. account opening, servicing and closing, payments processing, complaint handling, KYC case referrals, general enquiry management) * Experience in working with workflow / task management tools * Knowledge of financial services rules and guidelines * A problem solver and can create positive customer outcomes in diverse situations Working at Allica Bank At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers. Our employees are at the heart of everything we do, so our benefits are designed with you in mind: * Full onboarding support and continued development opportunities * Options for flexible working * Regular social activities * Pension contributions * Discretionary bonus scheme * Private health cover * Life assurance * Family friendly policies including enhanced Maternity & Paternity leave Don’t tick every box? Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you! Flexible working We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate. Diversity We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.

Abound

About Abound We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation. And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch. Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us. We're looking for an experienced individual to fill the role of Senior Collections Advisor. This position requires an important balance of both credit and conduct risk as we focus on delivering the right outcomes for our customers based on their individual circumstances, always. You will be working alongside as part of small but rapidly expanding team in our Milton Keynes office, this is a hybrid role requiring 3 days per week in our Milton Keynes office with flexibility on the other 2. There will also be a requirement to attend our central London office once a month (fully expensed). The ideal candidate will have excellent attention to detail and be comfortable following documented procedures consistently ensuring that all customers are treated fairly and receive the appropriate outcomes. Tasks also include updating account details, maintaining accurate records, and escalating cases to senior staff if necessary. There will also be a requirement to identify and support customers who may shows signs of vulnerability. Who you are * An experienced Customer facing advisor confident at dealing with customers in arrears with credit products * Have a good understanding of FCA regulation including CONC7 and DPA requirements * Have an awareness of the broad range of debt solutions i.e. Payment Arrangements, DMPs, IVAs, Trust Deeds, DROs, Breathing Space etc. * Understands Customer Vulnerability and how to identity and manage * Comfortable working with statements and ledgers to interpret transactions to help resolve customer queries * Familiar with Microsoft Office products (Word, Excel, Teams) * Have a very strong attention to detail and a high regard for consistency * A strong team player who will help as required to deliver tasks within the team SLAs * Familiar with KPIs and targets and quality assurance requirements What you'll be doing * Handling multiple live customer chats * Receiving and making telephony calls from Customer requiring assistance with their loans * Supporting our omni channels i.e. live web chat, email, SMS and phone (inbound and outbound) including dialler software. * Assessing customer affordability using our industry leading Open Banking software * Agreeing and setting affordable payment plans with customers * Processing on our systems when customers advise they are pursing alternative debt solutions * Setting promises to pay received through digital channels * Dealing with third party partners i.e. Field suppliers, debt collection agencies, insolvency portfolio managers * Thinking analytically and giving suggestions and ideas as part of continuous improvement What we offer * Everyone owns a piece of the company - equity * Hybrid with 3 days a week in the office * 25 days’ holiday a year, plus 8 bank holidays * 2 paid volunteering days per year * One month paid sabbatical after 4 years * Employee loan * Free gym membership * Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering