PHP Laravel Software Engineer – Lending Platform

We are the UK's largest finance provider in the medical and dentistry sectors. We operate a financial services platform that powers automated lending, loan management, and retailer financing solutions. Our platform processes applications, manages loans, handles payments, and integrates with credit reference agencies, lenders, and payment providers.

We're looking for a mid-to-senior PHP engineer to work on our core lending platform. You'll develop features across our automated decision engine, payment processing systems, lender integrations, and customer/retailer portals. This is a full-stack role with emphasis on backend PHP development, working on a mature codebase that handles real financial transactions and regulatory compliance.

We're an AI-forward engineering team - we use AI coding assistants (Claude Code, Git Hub Copilot, Cursor, etc.) to accelerate development and AI-powered code review to maintain quality. You'll be expected to use these tools effectively while maintaining high standards for security and correctness in financial systems.

We are ISO
27001 accredited and use security first principals.

• Develop and maintain features across application decisioning, loan management, and payment processing using AI-assisted development tools
• Build integrations with credit reference agencies (Trans Union, Equifax), lenders, and payment gateways
• Implement automated workflows using our event-driven architecture and decision engine
• Work on multi-tenant systems, ensuring data isolation and security
• Optimise database queries and caching for performance at scale
• Contribute to API development for internal and external integrations
• Write and maintain tests (unit, functional) using Codeception
• Participate in AI-assisted code reviews - both reviewing AI-generated code and using AI to review others' code
• Debug production issues involving financial transactions and third-party integrations
• Collaborate with AI tools effectively while maintaining ownership and understanding of all code

• 3+ years PHP development experience (PHP 8.1+)
• Strong understanding of Yii2 framework (Active Record, components, modules, behaviours)
• Experience with MVC architecture and OOP principles
• Understanding of PHP name spaces, traits, and modern PHP features

• Proficient in MySQL - complex queries, joins, indexing, optimisation
• Experience with database transactions and ensuring data consistency
  
  Backend Development
  • Strong understanding of RESTful API design and implementation
  • Experience with authentication systems (API keys, OAuth, session management)
  • Knowledge of queueing systems for background job processing
  • Understanding of caching strategies (Redis)
  Frontend & Design
  • Proficiency in CSS (Flexbox, Grid, responsive design)
  • Mobile-first design principles and responsive web development
  • Experience with CSS preprocessors (Sass, Less) or modern CSS-in-JS
  • Understanding of cross-browser compatibility and progressive enhancement
  • Ability to translate designs into pixel-perfect, accessible UI components
  General Software Engineering
  • Git version control (branching, merging, rebasing)
  • Experience with Docker for local development
  • Understanding of software testing principles and practices
  • Ability to read and understand large, legacy codebases
  • Strong debugging and problem-solving skills
  • Critical thinking – ability to review and validate AI-generated code for correctness and security
  AI-Assisted Development
  • Experience with AI coding assistants (Claude Code, Git Hub Copilot, Cursor, Cody, etc.)
  • Understanding of prompt engineering for code generation
  • Ability to effectively use AI for code exploration, refactoring, and debugging
  • Experience reviewing AI-generated code critically, especially for security vulnerabilities
  • Familiarity with AI-powered code review tools
  • Understanding when to use AI assistance vs. manual coding
  • Experience with semantic code search tools and LSP-based development
  Financial/Fintech Experience
  • Experience in fintech, lending, or financial services
  • Understanding of credit decisioning, affordability assessments, or loan management
  • Knowledge of UK financial regulations (FCA, GDPR)
  • Familiarity with payment processing (Direct Debit/BACS, card payments, Faster Payments)
  • Understanding of credit reference agencies and credit checking
  Technical Skills
  • Vue.js 3 for frontend component development
  • Experience with event-driven architectures
  • Knowledge of rule engines or workflow systems
  • Experience with multi-tenant SaaS platforms
  • Familiarity with open banking APIs
  • Understanding of webhook integrations and handling asynchronous data flows
  Integration Experience
  • Working with third-party APIs (credit bureaus, payment gateways, lenders)
  • Building reliable webhook handlers with retry logic
  • API versioning and backwards compatibility
  • Experience with Laravel or other PHP frameworks
  • Knowledge of Type Script
  • Familiarity with CI/CD pipelines
  • Understanding of UK credit reporting (CAIS)
  • Experience with PDF generation (mPDF) and document management
  • Knowledge of accounting/reconciliation systems
  • Open…