Full Stack Engineer

About the role

Thought Machine's mission is bold - to properly and permanently rid the world's banks of legacy technology. To achieve this, we have developed the foundations of modern banking through core and payments technology which run natively in the cloud. What we are attempting is hard and means we need great people working together to build great technology. We operate at the forefront of financial infrastructure, and this role places you at the heart of that transformative effort. You will own the complete lifecycle of features that power the future of banking, ensuring your work has a direct and lasting impact. As an engineering-focused company, we rely on your expertise to uphold the highest standards of execution and innovation. This position requires collaboration across disciplines to solve complex problems that have not been solved before. Your contributions will directly support clients ranging from the world's largest financial institutions to smaller regional banks.

Key facts

What you'll do

Design and implement end-to-end features across the stack, including web applications and backend services.

Ensure your solutions are delivered with security, performance, scale, and user experience in mind.

Write automated unit, integration, acceptance tests, etc.

Interface with other engineering teams to ensure that features are added in a structured and coherent way.

Managing and debugging your features from testing environments to production.

Translating customer requirements into a clear plan that can be delivered via tasks.

Collaborating as part of a cross-functional team of backend, front-end, and full-stack engineers.

Maintain a proactive stance toward identifying and resolving technical challenges before they escalate.

Contribute to architectural discussions that shape the long-term vision of our platform.

Champion best practices in code quality, testing, and deployment automation.

Act as an ambassador for Thought Machine values in every interaction and deliverable.

Continuously explore new tools and methodologies to improve the efficiency and robustness of your work.

Participate in code reviews to ensure adherence to standards and facilitate knowledge sharing.

Support the definition of technical standards that align with client needs and regulatory expectations.

Drive initiatives that enhance the reliability and maintainability of our core banking systems.

Requirements

Experience with React and TypeScript.

Proficiency in writing modern web applications.

Experience writing REST APIs and services.

A keen eye for detail and a passion for writing clean, readable, properly tested code.

Experience in integrating automated tests into the development lifecycle.

Interest in client-facing projects, including scoping requirements and defining deliverables.

A proactive approach to learning and development.

Eligibility for this role requires a strong background in relevant technologies and a commitment to our high-performance environment. You must possess the ability to work effectively within a fast-paced, agile delivery framework. Strong written and verbal communication skills are essential for collaborating with cross-functional teams. You should be comfortable working autonomously while contributing to team objectives. A solid understanding of software engineering principles is mandatory. You must be able to manage multiple priorities and deliver high-quality results under tight deadlines. Demonstrated experience in a professional software engineering role is required. Your work must consistently reflect ownership, reliability, and a focus on end-user impact.

Nice to have

Knowledge of banking/finance.

Experience with AWS or other cloud providers.

Proficiency in Golang or Python.

An understanding of both UX and UI principles.

Experience using Figma and UI frameworks.

Visual design skills.

Familiar with databases (SQL or NoSQL).

Experience with client/server software architectures & networking, or microservice architectures.

Experience using Kubernetes.

Practical notes

This is a full-time, permanent position based in our London office, requiring three days a week onsite, with the option to work four days per week, which includes an additional financial allowance.

Benefits

Highly competitive salary

Pension plan (match up to 5%)

Life insurance - three times annual salary

Competitive maternity (six months fully paid) and paternity leave (four weeks fully paid)

Shared parental leave (matched to our maternity leave for the same point in time)

25 days holiday and bank holidays

Flexible working hours

Cycle-to-work scheme

Electric car scheme

Season ticket loan

Access to outstanding learning materials and courses

Sports and hobby clubs, subsidised by Thought Machine

All the latest tech you need

Start the day properly with fresh fruit and cereals

Huge range of healthy (and nutritious) snacks available in the office

Generous employee share scheme

A culture that enables our team to produce the best work in the industry while ensuring we have fun along the way

We're regularly cited as having a fantastic workplace culture and have been recognised by Sifted magazine as having one of the highest Glassdoor ratings for a UK fintech company and the industry's most generous employee share package

Named one of the world's most innovative fintechs by Global Finance Magazine

We were also recognised by the Financial Times as one of Europe's fastest-growing companies for two consecutive years - and a UK Best Employer for 2026

Career development

Thought Machine is committed to your long-term growth. We provide structured learning paths, mentorship, and opportunities to lead high-impact projects. You will have access to internal and external conferences and workshops. Our engineering community encourages knowledge sharing through tech talks and guilds. We support certifications and advanced training relevant to your role. Regular performance reviews ensure your development plan aligns with company objectives. You will be encouraged to take on challenges that expand your skill set and visibility within the organization. Leadership opportunities emerge as you progress, regardless of your starting position.

Team and collaboration

You will work alongside talented engineers, product managers, and designers who are passionate about transforming finance. Collaboration is at the heart of how we operate, and we value diverse perspectives. Cross-functional squads enable us to deliver solutions quickly and effectively. We foster an environment where asking questions and seeking feedback is encouraged. Your teammates will support you in onboarding and continuous learning. We believe that the best outcomes are achieved through collective effort and shared ownership.

Impact and ownership

This role offers significant responsibility from day one. You will own features end-to-end and see them deployed in production. Your work will influence the direction of our products and the satisfaction of our global clients. We encourage innovation and calculated risk-taking within a safe framework. You will be accountable for the quality and reliability of your contributions. Thought Machine provides the tools and environment for you to excel and make meaningful changes. Your success will be measured by the impact of your solutions and your ability to mentor others.

Our culture

We have created a culture that enables our team to produce the best work in the industry while ensuring we have fun along the way. You will experience autonomy and trust as you deliver against ambitious goals. We celebrate milestones and recognize individual contributions. Our offices are designed to support collaboration and well-being. We invest in our people through training, benefits, and community initiatives. Thought Machine is an equal opportunity employer. We welcome applications from all qualified individuals regardless of background or identity. Join us in building the future of financial infrastructure.