Backend Engineer

ClearScore is searching for a talented backend engineer to join our growing technology team. You will influence the direction of critical ClearScore services and tools that allow us to scale rapidly.

You’ll be joining a squad, focused on building a ground up platform that will deliver a market leading product in the credit marketplace. We are searching for someone who is a self-starter and can build technologies from 0 to 1 as well as take ownership of projects.

When joining our team, you'll contribute to a global micro-services architecture written in Scala, using functional programming to really provide value to our users. Currently, our micro-services communicate via REST API calls, fostering seamless integration between different services. You will actively participate in our ongoing transition towards an event-driven architecture, utilising Kafka as a core component.

We are proud to say that our engineers at ClearScore are world class and at the heart of making this mission a reality for our millions of users.

For more information on our tech stack check out our 2025 Tech Radar , how we work is summarised in our Engineering Principles and we have many other Tech Blogs on Medium.

You'll also work with:

• The Typelevel Stack (Cats, Cats Effect, http4s, Circe), Kafka, SBT and occasionally Akka HTTP
• A world-class SRE team who champion our “you build it you run it” principle, empowering our developers to work with AWS, Kubernetes and Spinnaker
• A Quality Assistance programme to build, test, release and monitor your own work
• TDD and peer-reviewing enabling you to do frequent yet resilient releases to global services

You will be joining:

• A cross-functional squad, to collaborate closely with Frontend Developers, Mobile developers, Test Engineers and product managers to build new features on one of our apps
• A global community of ~50 backend developers from diverse backgrounds. We are a big fan of coding bootcamps and see the great value non-traditional routes into technical careers can bring to the team
• A global team of ~150 developers in ClearScore’s technology function
• A learning culture, where everyone is supported in drawing up an annual Personal Development Plan.

We are always looking for ways to do things better and encourage new joiners to bring their ideas and ways of working to the table. Teach us some cool stuff and we'll teach you some, but most of all, you'll have fun doing it.

Why ClearScore?

ClearScore is currently the biggest marketplace for credit products in the UK and in South Africa with over 15 million users. We are the first company to facilitate access to credit products using Open Banking data, making credit accessible to users with no credit files or low credit scores. In the UK alone, we have established relationships with over 50 of the main lenders and have been a trusted tool for customers to manage their credit and make better financial decisions.

We were the first business to offer free credit reports. We did so because we are user-centric at our core and believe in leveraging on technology to enable positive financial choices. We are design-led and data driven and we embed these behaviours in everything we do.

Our company culture is a fundamental part of all we have achieved. We believe in hiring smart, driven, passionate and diverse people who are keen on having a real impact in our organisation. We trust you to manage your own time, so we offer flexible work and no fixed desk hours. We don't micromanage and believe in measuring outcomes rather than effort. We have an inclusive culture where all, regardless of seniority, are encouraged to contribute with their ideas, look after their wellbeing and actively seek opportunities for career growth.

Benefits:

• 25 paid holidays and a “duvet day” on your birthday
• Hybrid Work Environment
• Private health and dental cover - including mental health support through Bupa 
• GP office visits
• Life assurance scheme
• Up to 6% matched pension
• Regular Lunch and Learns with guest speakers
• Dog-friendly office
• Daily breakfast and free snacks
• Access to discounts via Cobens Extras 
• Free sports and social clubs
• Continued investment into learning and development 
• Leadership-led training
• In-house psychotherapist
• Financial coach to help you plan and achieve your goals
• No clock-watching culture
• Generous maternity and paternity plans
• Culture and inclusion representatives
• Transparent pay structure and a career growth plan

Equal Opportunities

ClearScore is committed to providing equal employment opportunities to all qualified individuals. As an equal opportunity employer, we are able to make reasonable adjustments to accommodate individuals with disabilities during the recruitment and selection process. If you require accommodation, please inform us in advance, and we will work with you to meet your needs.

• Levels 1-5: Minimum 2 days per week in-office
• Level 6 and above: Minimum 3 days per week in-office

• Flexibility to manage your work and life
• Dedicated in-office days for team building and collaborative projects
•  Office facilities (with plants!) designed for productive interactions
• Clear expectations and support for maintaining our hybrid schedule