ABOUT THE ROLE

We’re hiring a Product Minded Software Engineer for the Growth team: a cross-functional team of engineers, Product Owner, designer and business owners focused on Journey 1 - from onboarding through to a customer’s first arrears point. Growth owns the customer and commercial journey end to end, plus the single-writer services behind it.

You’ll work close to the product and the business, not just the codebase. That means shaping problems, building the solution, measuring whether it moved the metric, and owning the feature in production. The team’s north star is growing the amount of good balances, with drivers including onboarding funnel conversion, utilisation, app reliability and onboarding fraud / ID-failure rates.

This is a hands-on product engineering role. You’ll build customer-facing journeys across app, web and backend services, improve onboarding and engagement, and help the team make better product decisions through technical options, fast delivery and strong operational ownership.

TECH STACK

• Backend: Node.js / TypeScript on AWS — serverless services using Lambda, API Gateway, DynamoDB, S3, SNS, SQS, EventBridge and Kinesis, alongside containerised workloads where needed

• Frontend: React Native / Expo / React / Next.js

• Infrastructure: Terraform, GitHub Actions CI/CD, Docker

• Observability: Datadog, Grafana, Prometheus, Loki

RESPONSIBILITIES

• Work as a product engineer in Growth: understand the customer problem, shape the technical approach with Product and Design, and ship changes that improve Journey 1 outcomes

• Build and improve onboarding, acquisition funnel conversion, login, account management, card management, personal details and other customer-facing Growth features

• Own features in production: monitor health, respond to issues, maintain runbooks, and make sure we know about degraded journeys before the business or customers tell us

• Take first-pass ownership of bugs and support queries that surface in Journey 1, fixing what is ours and handing over with diagnosis when the root cause sits with another service owner

• Contribute across the services Growth owns, including onboarding, biometrics, APR, CLM, legal service, alert service, app and website front end

• When Growth work extends a service owned by another team, build it under that team’s contributor rules rather than handing it off

• Use data and product context to make better engineering choices: understand conversion, utilisation, reliability and fraud / ID-failure drivers, and connect technical work to measurable outcomes

• Write clean, tested, maintainable code and documentation so the team can move quickly without losing quality

• Collaborate closely with engineers, Product, Design, QA and business owners, bringing technical options early rather than waiting for fully formed tickets

ABOUT YOU

SKILLS / ATTRIBUTES

• You think like a product engineer: you care about the customer outcome, the commercial goal and the production behaviour, not just completing a ticket

• You enjoy working in a cross-functional team with Product, Design and business owners, and you can turn ambiguous goals into pragmatic, shippable increments

• You’re comfortable across frontend, backend and cloud services, and you know when to go deep in one area to solve the right problem

• You care about reliability, observability and feature health because Growth journeys directly affect onboarding, utilisation and customer trust

• You communicate clearly with engineers, product and business stakeholders, including explaining trade-offs and risks in plain language

• You’re pragmatic in a startup: happy to move quickly, improve legacy areas safely, and choose boring technology when boring is right

• You want real ownership of customer-facing product outcomes, not just isolated technical components

• Can operate effectively under ambiguity

QUALIFICATIONS / EXPERIENCE

• Proven experience as a product-minded backend, frontend or full-stack engineer building and running production systems

• Strong Node.js / TypeScript experience, ideally with AWS and event-driven or serverless architectures

• Experience building customer-facing web or app features, preferably with React Native / Expo / React / Next.js or similar modern frontend frameworks

• Good understanding of Infrastructure as code with Terraform; CI/CD as a habit

• A track record of using testing, monitoring, documentation and code review to raise quality around you

• You write clean, tested, maintainable code and leave systems more understandable than you found them

BONUS SKILLS

• Fintech, banking, credit cards, payments or regulated product experience

• Experience improving onboarding, activation, utilisation, conversion funnels or customer engagement

• Experience with identity, biometrics, fraud checks, APR, credit limit management or customer communications

• Experience getting real leverage from AI-assisted development tooling

• Start-up experience

FCA Compliance & Consumer Duty:

At Onmo we all take collective responsibility for our individual roles in creating the best outcomes for our customers. In this role that involves:

• Following the FCA Conduct Rules:

  • You must act with integrity

  • You must act with due skill, care and diligence

  • You must be open and cooperative with the FCA, PRA and other regulators

  • You must pay due regard to the interests of customers and treat them fairly

  • You must observe proper standards of market conduct