Job Description

End Date

Monday 01 June 2026

Salary Range

£57,280 - £85,920

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Hybrid Working, Job ShareAbout this opportunity

We’re building the future of payments - and this is your chance to be right at the centre of it.

Our Payments Digital Services team is shaping the next generation of experiences across payments and beyond. Think digital identity, wallet-based services, embedded finance, and entirely new propositions that are redefining how customers interact with money, data, and value.

As a Backend Software Engineer, you’ll play a key role in bringing this vision to life. You’ll be working on a connected, modern platform that integrates seamlessly with best-in-class tools and services, helping customers make smarter financial decisions and access innovative financial products.

JOB TITLE: Backend Software Engineer

SALARY: £57,300 - £85,000

LOCATION: London

HOURS: Full-time

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites

About this opportunity

We’re building the future of payments - and this is your chance to be right at the centre of it.

Our Payments Digital Services team is shaping the next generation of experiences across payments and beyond. Think digital identity, wallet-based services, embedded finance, and entirely new propositions that are redefining how customers interact with money, data, and value.

As a Backend Software Engineer, you’ll play a key role in bringing this vision to life. You’ll be working on a connected, modern platform that integrates seamlessly with best-in-class tools and services, helping customers make smarter financial decisions and access innovative financial products.

What you’ll be doing:

• Delivering clean, architecturally sound, maintainable server-side code (ideally full-stack experience).
• Collaborating with stakeholders across the business to build and develop a world-class product.
• Motivating the team past roadblocks to make sure features ship as effectively as possible.
• Guiding design discussions and helping the team balance flexibility, expediency, scalability, and performance.
• Partnering with product and engineering leaders to constantly refine and iterate on development processes.
• Championing new technologies and promoting best development practices.
• Keeping an eye on the future while proactively, but pragmatically, tackling technical debt.

Why join us?

We’re transforming at pace. Investing billions in our people, data and tech to change the way we meet the needs of our 28 million customers. We’re growing, and we’d love you to be part of the journey.

What we’re looking for:

• In-depth knowledge of Golang
• Experience building microservices, ideally deployed in containers on Kubernetes.
• Solid grounding in agile development practices.
• Experience with both RDBMS and NoSQL datastores.
• Ability to diagnose problems across the stack (client, HTTP/network, server, database, OS) with sound rationale for decisions.
• Proven experience building large, concurrent, distributed applications.
• Experience developing and running large-scale production environments in partnership with DevOps or SRE teams.
• A genuine interest in working in a fast-paced startup, ideally in fintech or payments.
• A voracious appetite for learning and improvement.

And any of these would be great:

• Knowledge of PHP
• Experience with real-time, low-latency, high-frequency transaction-based systems.
• Experience with event-driven architectures.

We know that great talent comes from many backgrounds. Whilst this job advert may reference specific years of experience, we recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

This is a place for you

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 30 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Finishing Statement

Ready for a career where you’ll learn and thrive? Apply today and find out more.

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.