Full Stack Engineer (Kotlin / JVM)
Kotlin / JVM leaning, full stack and product-minded.
The role
We're looking for an engineer who wants ownership, a fast-moving environment and interesting problems to solve. If you enjoy Kotlin, distributed systems and designing services that have to be correct under concurrency, you'll find plenty to get stuck into. Your centre of gravity will be the backend, with the freedom to own the entire feature.
What you'll be working on
Design and build Kotlin/Micronaut microservices handling lending, payments, receipts, billing and account management. Build asynchronous systems with Kafka and Avro, reason about concurrency and idempotency, and design resilient integrations that behave well under real production conditions.
Work with Tier 1 banks, fintechs and specialist providers on payments, account infrastructure, financial data and transaction monitoring. Some integrations are standard APIs; others are boutique, bank-specific projects that make you unexpectedly knowledgeable about a particular corner of banking.
Get into the engineering behind those integrations: authentication, signatures, certificates, key management, webhooks, network controls and recovery when a provider behaves unexpectedly.
Work with LLMs, agents and MCP clients and servers. Design secure ways for AI systems to interact with financial capabilities, and connect financial data, lending rules and AI-driven decisioning to deterministic production services.
The problems are interesting
A payment arrives twice. Two consumers race to make the same decision. A bank accepts an instruction but the callback arrives late. A workflow crosses several services and then fails halfway through. You'll have the ownership to understand those problems and design solutions.
You'll still work across the stack: build a Next.js/React workflow, expose an API, wire it into SWR and ship the UI in Tailwind/Catalyst. When the problem reaches Azure, Kubernetes or CI/CD, you'll be comfortable following it there.
How we work
We're a small engineering organisation with real autonomy and short feedback loops. Work directly with product, finance and commercial stakeholders. Take a problem, challenge assumptions, make technical decisions and get the solution into production. Use AI extensively, with clear engineering judgement and responsibility for the result.
About you
What matters most
We'd rather find a strong Kotlin/JVM engineer who's curious, autonomous and capable of moving across the stack. Solid Java experience and an appetite for Kotlin are welcome.
You'd enjoy this role if...
- You like owning a problem and shipping useful software.
- You can move across services, UI, data and infrastructure.
- You use AI thoughtfully to increase what you can accomplish.
- You enjoy APIs, distributed systems and unfamiliar integrations.
- You care about production behaviour, including failure and recovery.
- You want tangible outcomes: businesses receiving funding, money moving and lending decisions becoming working products.
Bring your curiosity. Build things that matter.
Apply for this role
This is a full-time role based in London, with a hybrid working pattern. We value time together in person for collaboration, problem-solving and building relationships across the team, while also giving people the flexibility to do focused work. For an exceptional candidate, we're open to discussing a different arrangement, as long as it supports the ownership, responsiveness and close collaboration the role needs.
Be part of something being built now
We're early enough that your work will shape how Bourn grows, including our culture, our ways of working and the business itself.
Work on a problem that matters
The business overdraft hasn't kept pace with how modern businesses operate. We're building what comes next, helping SMEs access the working capital they need to grow.
Backed by people who know the market
Our founding team brings deep experience from banking and fintech, and we're supported by investors including a Tier 1 bank.
Real ownership from day one
You'll take responsibility for meaningful work, with direct influence on decisions and visible impact on outcomes.
See the whole business
Bourn sits where finance, technology and partnerships meet, so you'll gain broad exposure and learn quickly.
Join a team that raises the bar together
We value initiative, high standards, honest feedback and thoughtful execution.