Senior Product Engineer (Full Stack)

At Ophelos we believe in a different way to deal with debt. One that puts empathy and understanding front and centre approaching our customers as individuals no matter what theyre going through.

For too long people in debt have borne the brunt of poor industry practices. Intimidating tactics time-consuming customer service and a one-size-fits-all approach that overlooks the reasons anyone can fall into debt in the first place. Meanwhile businesses suffer too. Poor customer experience translates to poor customer satisfaction high churn rates bad brand reputation and ultimately missed opportunities.

Thats why were taking a radically different approach. Pioneering an industry-first AI-native collections platform we build products that help individuals clear their debts in a way that suits them whilst providing businesses with an improved customer experience and game-changing insights into their customer base.

Since our launch in 2021 weve worked with some of the UKs leading companies including Octopus Scottish Power and Philips helping millions of people move toward a more stable debt-free 2023 we were acquired by Intrum Europes biggest credit management service and have begun the next phase in our growth expansion into 17 European markets over the next two years.

We are seeking an enthusiastic and ambitious Senior Product Engineer with a keen eye for quality to join our growing Engineering function. You will be joining our Payments squad responsible for building out our cross-market flexible Payments capability. This is a team which has recently transitioned to being LLM-first in their working style so you would be joining at a critical moment to shape our ways of working and our approaches to LLM-based tooling.

At Ophelos we dont have traditional product or design functions our engineers own the full problem from identifying what needs to be built through to shipping and iterating on it. If youre energised by that kind of end-to-end ownership and want to operate closer to the product than most engineering roles allow this is the role for you.

In this role youll get to:

• Design implement and deliver software features with full ownership from start to finish from problem definition through to production.
• Take genuine product ownership: identify user and business needs define solutions and make pragmatic trade-offs not just execute on a brief handed to you.
• Have real opinions about how things should be built and back them up. We want engineers who push back on a design pattern a tool choice or a suggestion from an AI agent when the second- and third-order consequences dont stack up.
• Work in an environment thats largely backend-heavy right now (though that mix will evolve) with the autonomy to shape how its built.
• Collaborate as part of a close & multi-disciplinary team. Your work will have meaningful and measurable impact on our organisation and products.
• Own business-critical components and ensure their stability and maintainability and know how to prove it through the numbers you track.
• Mentor other members of the team to ensure technical excellence and continuously raise the bar when it comes to engineering standards.
• Share your ideas with the team and build products that make an incredibly impactful difference to society and peoples lives.
  
  
  

Ophelos is an AI-first technical organisation and effective use of LLMs is central to how our engineers work. Claude Code and other agentic tools are critical to our toolbox and were as interested in engineers who bring their own AI-assisted workflows and habits to the team as we are in engineers who already use ours. The right person for this role is excited by this world uses it daily in their own work professionally or personally and enjoys helping others get better at it too.

Stack-wise we run TypeScript Python and Ruby at various levels. For this role were really seeking a polyglot Software Engineer for whom specific implementation language is not critical. More broadly our stack includes:

• A modern web application framework (we use FastAPI; comparable experience elsewhere is fine)
• A relational database layer (we use PostgreSQL)
• Workflow orchestration and data infrastructure tooling
• AWS and container-based cloud infrastructure
• Claude Code for LLM-first software engineering
• Datadog for monitoring & observability

Ophelos operates hybrid working and believes face-to-face working time is essential for planning and alignment. Our teams spend three days each week working in-person from our comfortable office near Liverpool Street in London.

More than anything we are interested in your general experience as a software developer and your approach to solving problems. The ideal candidate thinks like a product owner and builds like an engineer someone who is energised by ambiguity comfortable shaping the problem as much as solving it and who takes personal pride in the real-world impact of what they ship. Some experience in the following is important for this role:

• At least 5 years of experience in full stack engineering with real depth somewhere in your backend work - this role skews backend-heavy today.
• Experience with TypeScript Python Ruby or a similarly high-level language and comfort designing and integrating APIs - particularly in environments where data sensitivity or regulation raises the stakes.
• Breadth across problems and systems tends to serve people better here than narrow specialisation in one area - wed rather hear about the range of things youve owned than the depth of one niche.
• You enjoy learning new technologies and are passionate about experimenting to figure out how to build things in a better way.
• Youre comfortable working from a problem statement rather than a fully specced brief - you can move from ambiguity to a clear technical approach independently and you actively contribute to shaping what gets built not just how.
• Genuine enthusiasm for using the latest LLM tools Claude Code Cursor Codex or similar is critical as is the intent to keep developing your skills as the agentic software engineering landscape evolves. Bonus points if youve helped teammates or a wider team get better at this too.
• You dont just ship - you measure. You can point to how you know something you built actually worked whether thats a business number a reliability metric or both.
• Attention to detail intellectual curiosity & a willingness to embrace the changing technical landscape we find ourselves in.
• You are excited about Ophelos mission to support households and businesses to break the vicious debt cycle.
  
  

Experience in fintech or in regulated or compliance-heavy environments more broadly is a genuine bonus - but weve hired brilliant people here without it so dont rule yourself out if thats not your background.

Ophelos launched in June of 2021 backed by investors such as AlbionVC Connect Ventures and Fly 2023 we were acquired by Intrum Europes biggest credit management service. Our growing team has team helped build some of the worlds most successful businesses including the likes of Monzo Google Oracle ASAPP IBM and more in addition to pioneering innovative products sitting at the intersection of enterprise financial technology artificial intelligence and academia working with institutions such as Oxford University the University of Amsterdam and the University of Hong Kong.

Supporting customers and businesses to improve their financial health is a long-term mission. Our company values act as our north star steering our every move as an organisation and are the backbone of our unique company culture. Our values and culture allow us to stay true to our larger purpose even as we continue to grow at a rapid pace.

Customers and Clients first We exist to help real people move through debt and to get clients paid back. This commitment drives how we design products deliver services and interact with customers and clients daily.

Dream big We have ambition and drive to succeed - were not just raising the bar were confidently asserting ourselves as the benchmark.

Get it done Were decisive and embrace a sense of urgency; we dont let opportunities get away from us. Wed rather act quickly and take informed risks iterating and learning as we go.

Win as one - We work as one team supporting each other and aiming for shared goals. At Ophelos the team isnt just individual departments - its all of us together. We challenge and support each other because we care about everyones growth and success.

Ophelos is committed to creating a diverse work environment and is proud to be an equal opportunity workplace providing equal employment and advancement opportunities to all team members. We are building an environment where every Ophelos team member can thrive feel a sense of belonging and do the best work of their careers. We value diversity and recruit hire and promote individuals solely based on talent qualifications competence and merit. We evaluate candidates without regard to race colour religion age sex sexual orientation gender identity national origin disability or other protected characteristics as required by law and as a matter of our company values.

When you apply to a job on this site the personal data contained in your application will be collected by Ophelos (Controller) located at 1 Finsbury Ave London EC2M 2PF and can be contacted by emailing Controllers data protection contact is Kofi Barnes who can be contacted at

This notice explains how we process your personal data throughout our recruitment process including at the interview stage described below. Applying for a role with Ophelos is subject to the practices described in this notice it is not a separate agreement you sign but a description of how the recruitment process works. You wont be given a separate notice at each stage; Ophelos retains discretion over which of the described tools and processes are applied to any given application or interview within the purposes set out below. This discretion does not extend to introducing automated decision-making without human review that is addressed separately below.

What we use your data for

Your personal data will be processed for the purposes of managing Controllers recruitment-related activities which include reviewing applications setting up and conducting interviews and tests evaluating and assessing the results and as is otherwise needed in the recruitment and hiring process.

As part of this process we use software tools including AI-assisted tools to help us organise screen and evaluate applications and interviews. This includes:

• Automated analysis of CVs and application materials to identify relevant skills and experience
• Automated analysis of interview transcripts to help summarise and score responses (see Interviews below)
• Generating scores summaries or insights to assist our recruiters

Currently these AI-assisted outputs are advisory only. A human recruiter reviews every application and every AI-generated score or summary before any decision is made and no application is filtered out or rejected by an automated process alone.

We may in future use automated tools to make or take part in making decisions about your application without human review at that stage if we do so in a way that complies with applicable law at the time for example by obtaining your explicit consent or where the decision is necessary for entering into a contract with you and in either case only with appropriate safeguards including your ability to request human review of and to contest that decision. If we intend to introduce this we will update this notice and separately inform you before it applies to your application this notice alone does not authorise it.

We also use historical aggregated recruitment data to improve our processes generally for example to better understand which factors tend to be associated with successful hires. Where this involves data from past applicants it is anonymised or aggregated before use and is not used to make any decision about a specific individual.

Such processing is legally permissible under Art. 6(1)(f) UK/EU GDPR as necessary for the legitimate interests pursued by the Controller: the solicitation evaluation and selection of applicants for employment and the improvement of Controllers recruitment processes.

Interviews recording and transcription

If youre invited to an interview conducted by video or phone call it will be recorded and automatically transcribed as a standard part of our recruitment process this is described in this notice which applies to your application as explained above. Where an interview is recorded:

• The interview will be recorded and transcribed using our video-calling provider (Google Meet).
• The transcript will be processed by AI tools (including models provided by Anthropic and Google) to help generate a summary and structured notes for the interview panel and to help train and improve our own recruitment tools as described above.
• The recording transcript and any AI-generated summary will be stored on Opheloss systems (hosted via Cloudflare) and in Greenhouse.
• A human interviewer/panel always reviews the AI-generated summary as part of forming their own assessment it is a starting point for the panel not a decision in itself.

Recording and transcribing interviews in this way is necessary for us to evaluate all candidates fairly and consistently and is carried out under our legitimate interests (Art. 6(1)(f) GDPR) in running a fair well-documented recruitment process.

Who we share your data with

Your personal data will be shared with the following processors engaged by Controller to help manage its recruitment and hiring process:

• Greenhouse Software Inc. applicant tracking system (United States)
• Google LLC video interview hosting/recording (Google Meet) and AI models used to help analyse application and interview materials (United States)
• Anthropic PBC AI models used to help analyse and summarise application and interview materials (United States)
• Cloudflare Inc. infrastructure and data storage supporting our recruitment tools confirm storage region before publishing

We use application and interview data including through AI-assisted tools to train and improve our own internal recruitment tools and models for example to refine how we identify relevant skills and experience and to better understand what tends to be associated with successful hires. This is part of how we evaluate and improve our recruitment process on an ongoing basis.

The third-party AI providers who process this data on our behalf do not use it to train their own general-purpose AI models it is used only to generate the specific outputs described in this notice.

International data transfers

Because the above providers are located in or transfer data to the United States if you are located outside the United States your personal data will be transferred to the United States once you submit it or once your interview is processed. Where the European Commission has not made an adequacy determination covering such a transfer it is subject to appropriate safeguards including Standard Contractual Clauses and/or the EU-U.S. Data Privacy Framework where the recipient is certified. You can obtain a copy of the relevant safeguards by contacting

How long we keep your data

Your personal data including any interview recordings transcripts and AI-generated summaries will be retained for the duration of the recruitment process and for 24 months afterwards to allow us to consider you for other roles and manage any related legal claims after which it will be deleted or anonymised. You can request earlier deletion at any time by contacting

Your rights

Under the GDPR you have the right to request access to your personal data to request that it be rectified or erased and to request that processing be restricted. You also have the right to data portability and the right to object to processing based on legitimate interests including interview recording though for the reasons explained above we may not be able to progress an application where a candidate objects to standard recording of the interview addition you may lodge a complaint with an EU or UK supervisory authority (in the UK the Information Commissioners Office).