Senior Software Engineer

Senior Software Engineer (Full-Stack) £50k to £75k (+ equity package) Noggin HQ is a VC-backed financial technology company based in Newcastle-upon-Tyne. 9 million UK adults have credit scores that don’t reflect their true financial status. They face exclusion from mainstream borrowing (0-30% APR), and are forced into higher-cost options (often 42%-90% APR). Our mission is to build a challenger Credit Reference Agency that reshapes credit scoring in a fairer and smarter way, and in doing so, saves the UK economy £6 billion in annual interest expense. Noggin’s core technology helps companies accept more creditworthy individuals. Today, we do this by automatically categorising and enriching Open Banking data collected as part of credit applications.

The role: To succeed in this role, you must excel in a fast-paced, high-execution culture, and maintain exceptional standards at a critical stage. In particular, you will:

• Own the design, development, and deployment of key features, while setting technical direction and standards.
• Build scalable, maintainable, and high-performance systems from the ground up.
• Collaborate closely with the Founders, Senior Leadership Team, and Data Team, to shape the product roadmap.
• Make technical decisions that balance speed, quality, and long-term scalability.
• Follow secure development practices and uphold the highest standards as it relates to IT security.
• Take initiative in solving challenging technical problems with minimal oversight.
• Be a self-starter who can take real ownership and responsibility for their work and objectives, be highly organised and have excellent communication & time management skills.

Tech stack: AWS - essential React / Next JS frontend with Material UI - essential NestJS backend with Typescript - essential PostgreSQL database - essential Firebase Auth - essential Drizzle ORM - desirable Flutter - desirable

Experience & skills: 5+ years of experience as a Software Engineer utilising essential current tech stack. Relevant degree, e.g., Computer Science. Database management and database optimisation. Domain relevant experience, e.g., have worked at an FCA/PRA-regulated firm, including banks, lenders, financial data companies, credit risk companies, Credit Reference Agencies. Comfortable with AWS and Cloud Infrastructure. Understand ISO 27001 requirements.

Benefits: There are significant opportunities for progression and pay increases throughout the year, depending on performance, contribution and impact. Learning and development opportunities, where relevance is evidenced, can be paid for by the company. 22 days holiday + bank holidays. Company-wide bonuses should commercial targets be hit.

How we work: We have an office based in Newcastle-upon-Tyne, and as such, thoroughly encourage candidates to apply who live in the North East.