Senior Software Engineer - Credit

LemFi's Credit tribe is early and moving fast. We're building the infrastructure that will power lending products for millions of people who've historically been locked out of fair credit - immigrants, diaspora communities, and the financially underserved across our 21 operating markets. This is a ground-floor opportunity: the tribe is being built right now, and the systems you design today will be the foundation everything else sits on.

We're looking for a Senior Software Engineer to join the Credit tribe and own core backend services end-to-end. You'll be working primarily in Go, with some existing Java services in the mix - switching between them is not the blocker, deep engineering craft and an instinct for how credit products behave is. We move fast and we don't micromanage, which means you'll need to bring the domain awareness to make the right call before anyone has to tell you.

Design, build and operate high-reliability backend services that power LemFi's credit products, from loan origination and underwriting through to repayment and collections.

Make the right architectural calls independently - data residency, service boundaries, state-machine design for loan lifecycles - without needing to be told what a credit-safe system looks like.

Own your services in production: instrument them, monitor them, debug them, and hold the bar on reliability and correctness.

Work closely with product and compliance to translate credit-domain requirements into clean, testable, maintainable code.

Use AI coding tools actively to accelerate delivery and improve test coverage, while taking full ownership of the correctness of every line that ships.

Contribute to growing the tribe - as one of the earliest engineers you'll help set the engineering culture, review others' work, and raise the bar on how we build.

Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this.

At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions. You can connect with us on LinkedIn and Instagram and if you haven't already, download the app on the App Store or Google Play .