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About Juuli
Juuli is an AI-native fintech platform built exclusively for UK&Europe’s 43M+ solopreneurs. We bring payments, cards, FX, invoicing and tax automation into one place, with 90-second onboarding and AI at the core of the product. We are a lean, London-based team, and every senior hire here has a direct impact on how we grow.
The Role
You will own the technical core of Juuli’s e-money operations: wallets, ledger, safeguarding, payments and FX, built on PHP and MySQL. You will be part of our governance structure, making sure the systems that hold and move customer money are correct, auditable and ready for regulatory scrutiny. You will work directly with the founders and our compliance team.
What You’ll Do
Design, build and run our e-money platform in PHP and MySQL: wallets, double-entry ledger, balances, holds and fund flows
Model financial data in MySQL with strict correctness: transactions, locking, isolation levels and idempotent writes
Build safeguarding into the system: segregation of customer funds, daily reconciliation, break detection and reporting
Design and integrate payment flows across payment schemes (e.g. SEPA, Faster Payments), card programmes and our licensed partners’ APIs
Build FX capabilities: multi-currency balances, conversion, pricing and settlement
Take part in governance: provide technical input to risk, compliance, safeguarding, incident and audit processes
Document our systems and controls clearly for compliance, auditors, partners and regulators
Set engineering standards for reliability, testing, auditability, security and observability
Work closely with product, compliance and fraud teams to build controls into the product by design
Review code, mentor engineers and shape how we build
Our stack: PHP, MySQL
What We’re Looking For
Based in the UK with the right to work in the UK
6+ years in backend development, including 5+ years of professional PHP (modern PHP 8.x, object-oriented design, automated testing)
Strong MySQL expertise: schema design, InnoDB transactions, locking and isolation levels, indexing, query tuning and safe migrations on large tables
Significant professional experience in fintech, payments or e-money
Proven experience building wallet and ledger systems in production: double-entry accounting, balances, holds, reversals
Hands-on experience with safeguarding or client-money reconciliation in a regulated firm
Strong experience with payment flows and integrations: schemes, processors, card programmes
Practical experience with FX and multi-currency systems
Solid fundamentals in data consistency, concurrency, idempotency, queues and event-driven design
Comfort explaining system design and controls to non-engineers, including compliance, auditors and regulators
Clear communication and excellent English
Work arrangement
No
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