Principal Software Engineer - Chase UK - Lending

At JP Morgan Chase, we understand that customers seek exceptional value and a seamless experience from a trusted financial institution. That's why we launched Chase UK to transform digital banking with intuitive and enjoyable customer journeys. With a strong foundation of trust established by millions of customers in the US, we have been rapidly expanding our presence in the UK and soon across Europe. We have been building the bank of the future from the ground up, offering you the chance to join us and make a significant impact.
As a Principal Software Engineer at JPMorgan Chase within the International Consumer Bank, you will play a crucial role in this initiative, dedicated to delivering an outstanding banking experience to our customers. You will work in a collaborative environment as part of a diverse, inclusive, and geographically distributed team. We are seeking individuals with a curious mindset and a keen interest in new technology. Our engineers are naturally solution-oriented and possess an interest in the financial sector and focus on addressing our customer needs.
Job responsibilities

- Creates complex and scalable coding frameworks using appropriate software design frameworks.

- Develops secure and high-quality production code, and reviews and debugs code written by others.

- Architects and governs agentic AI-enabled engineering workflows (using enterprise-authorized tools within the work environment) to improve delivery speed, code quality, and operational outcomes at scale — including AI-driven PR review assistance, test generation and maintenance, release readiness checks, and incident triage and root-cause acceleration — while defining guardrails for validation, security, resiliency, and reuse across teams.

- Applies knowledge of tools within the Software Development Life Cycle toolchain, including enterprise-authorized AI-assisted development and automation capabilities, to improve the value realised by automation at scale.

- Serves as the function’s go-to subject matter expert.

- Contributes to the development of technical methods in specialised fields in line with the latest product development methodologies.

- Creates durable, reusable software frameworks that are leveraged across teams and functions.

- Influences leaders and senior stakeholders across business, product, and technology teams.

- Leads the design and delivery of consumer-facing financial product features, ensuring high availability, low latency, and resilient architecture for millions of end users.

- Partners with Product, Design, and Compliance teams to ship customer-centric features that meet regulatory standards without compromising user experience.

- Drives engineering best practices for rapid, safe iteration on consumer products, including feature flagging, A/B testing frameworks, and progressive rollout strategies.

Required Qualifications, Capabilities and Skills

- Formal training or certification on software engineering concepts and advanced applied experience

- Hands-on practical experience delivering system design, application development, testing, and operational stability.

- Expert proficiency in one or more programming languages.

- Demonstrated experience designing and leading the adoption of agentic AI-enabled development practices (using enterprise-authorized tools within the work environment) across teams, including setting standards for human-in-the-loop validation, auditability and traceability of changes, and secure handling of sensitive data.

- Strong understanding of responsible AI use and control expectations in engineering workflows, including security and resiliency implications, data sensitivity, and risk-based governance; ability to influence senior technical leaders on safe scaling patterns and reuse.

- Experience applying expertise and new methods to determine solutions for complex technology problems across one or more technical disciplines.

- Sound understanding of the business context and commercial drivers underpinning technology decisions.

- Practical cloud-native experience.

- Demonstrated experience launching and scaling consumer-facing financial products — ideally lending

- Proven track record of owning end-to-end delivery of high-traffic, customer-facing systems with a focus on reliability, performance, and security at scale.

- Experience navigating the intersection of consumer product velocity and financial services compliance, including fraud prevention, data privacy, and auditability requirements.

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