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Koyo offers people new to credit or the country fair access to competitively priced credit

Senior Backend Engineer (learn Kotlin)

£50k – £65k • 0.05% – 0.1%
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Who we are:

Koyo was founded in 2018, on the principle that people who are new to credit, or the country, should be treated fairly when it comes to finance. There are over 6 million of these people in the UK alone. In the past, those seeking credit would be charged excessive fees for borrowing that caused financial problems, rather than solved them. We’re changing all that.

We are set to disrupt this multi-billion pound market by offering fairly priced credit through the innovative use of technology. We’re based in London, with global ambitions. Koyo is backed by two top venture capital funds (who also funded Transferwise and Revolut) and some of the most reputable angel investors in the UK.

Join us, and help put an end to predatory financial firms and be part of an exciting and rewarding journey.

Our story so far

In 2016, Thomas, the founder of Koyo moved to the UK and found accessing credit to be difficult if not impossible. This is because his credit history did not follow him from his home country. He realised this is a problem that effected millions of people who are new to the country, but also people who have failed to build a credit history in the UK more generally.

We have just raised a $4.9m debt and equity round from leading VCs and private investors. techcrunch.com/2019/10/28/koyo Our team consists of six online lending professionals in tech, risk and marketing.

What you’ll be doing:

You will work alongside our experienced CTO in developing the early versions of our lending product, our back office systems and credit decisioning engine.
The current tech team is small but with plans to grow over the next year. You will assist the CTO with this expansion.

Our Tech Stack (stackshare.io/koyoloans/koyo)

The backend is primarily in Kotlin using Spring Boot and exposes a REST/JSON API. We use Google pub/sub for async messaging. The front end is a React/Redux webapp.

On the infrastructure side, we are using Docker orchestrated with Kubernetes on GCP. Terraform is used to define the infrastructure as code. Source code and CI/CD is with GitLab.   Gitlab is also used to manage the backlog and our light-weight Kanban process. 

Downstream, we will build up NLP and machine learning to automate the credit decisioning process. This is likely to be developed in Python.


• Technical excellence with in-depth experience of Java or Kotlin (Kotlin experience is not required as long as you are willing to learn).
• Entrepreneurial and excited about working at an early stage startup.
• Confident in taking ownership of large aspects of backend development - from architecture to design to writing code and tests.
• A bias to doing things well whilst being pragmatic. Time to market is key.
• You have ​a growth mindset: You’re excited to learn new things every day and have a passion to inspire and grow.
• This role can either be at our offices in London or remote. If remote, timezone needs to be within 4 hours of London.


• Competitive salary.
• Equity in the business - you will own a part of the company that you are helping to build.
• Opportunity to shape the strategy and direction in a company with an important mission.
• Working with bright ambitious people who take pride in what they do.
• You’ll get to join one of the hottest new startups of 2019/2020.