Principal Software Engineer – Chase UK – Lending/Deposits/Rewards

Overview

As a Principal Software Engineer in the International Consumer Bank, you will help deliver an outstanding digital banking experience at scale. You’ll lead complex, scalable code and guide AI-enabled engineering workflows to accelerate delivery and ensure security and resiliency. You’ll collaborate across product, design, and compliance to ship customer-centric features under regulatory standards. This role offers the chance to shape consumer banking technology as the bank expands in Europe and beyond.

Responsibilities

• Create complex, scalable coding frameworks using established software design approaches.
• Develop secure, high-quality production code and review peers’ work.
• Architect and govern AI-enabled engineering workflows to boost speed, quality, and operational outcomes at scale, with guardrails for validation, security, resiliency, and reuse.
• Leverage SDLC tools, including AI-assisted development and automation, to scale automation value.
• Serve as a go-to subject matter expert within the function.
• Contribute to advancing technical methods in line with modern product development.
• Build durable, reusable software frameworks used across teams.
• Influence senior leaders across business, product, and technology teams.
• Lead design and delivery of consumer-facing features with high availability, low latency, and resilient architecture.
• Partner with Product, Design, and Compliance to ship customer-centric features that meet regulatory standards.

Key requirements

• Formal training or certification in software engineering concepts with advanced practical experience.
• Hands-on experience delivering system design, application development, testing, and operational stability.
• Expert proficiency in one or more programming languages.
• Experience designing and leading agentic AI-enabled development practices with enterprise tools, including guardrails for validation, auditability, and secure data handling.
• Strong understanding of responsible AI use, security, resiliency, data sensitivity, and governance; ability to influence senior technical leaders on safe scaling.
• Experience solving complex technology problems across technical disciplines.
• Solid understanding of business context and commercial drivers behind technology decisions.
• Practical cloud-native experience.
• Experience launching and scaling consumer-facing financial products in a regulated environment.
• Proven track record delivering high-traffic, customer-facing systems with reliability, performance, and security at scale.
• Experience navigating fintech compliance such as fraud prevention, data privacy, and auditability.

• curious mindset
• solution-oriented
• ability to influence senior stakeholders
• agentic AI-enabled development
• AI-assisted tooling
• cloud-native architectures

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