Senior Core Banking Developer

We’re looking for a Thought Machine (4th Generation) Developer to design, build, and evolve core banking products on modern, cloud-native platforms. You’ll configure and implement Vault-based product logic (or equivalent product/ledger engines), build integration services and APIs, and partner with engineering, product, operations, and risk teams to deliver secure, scalable financial capabilities.

Responsibilities

Design and implement core banking product logic (accounts, deposits, lending, fees, interest, limits, delinquency, posting rules) using Thought Machine's framework; build and maintain ledger-posting logic that is accurate, auditable, idempotent, and aligned with accounting principles; configure product parameters and lifecycle states; implement financial events and schedules; develop integration services and APIs for channels and downstream systems; implement event-driven integrations (pub/sub, streaming) with robust error handling, retries, reconciliation, and observability; collaborate on data models, reporting extracts, and controls; write comprehensive tests (unit, integration, contract); support product releases through CI/CD pipelines; troubleshoot production issues with root-cause analysis; maintain clear technical documentation; partner with Product Owners and SMEs; work with Security and Risk teams; contribute to engineering standards

Requirements

5+ years developing APIs/integration services in regulated enterprise environments; banking or financial services experience strongly preferred; BA/MBA in IT or relevant experience of 10+ years in Integration technology and Core Banking; proven experience delivering core banking products on Thought Machine or a comparable modern core/ledger platform; strong understanding of double-entry accounting concepts, ledgers, postings, balances, and reconciliation; experience implementing product features such as fees, interest, limits, repayment schedules, and lifecycle events; direct experience with Thought Machine Vault; experience with payments (SEPA, Faster Payments, SWIFT), card processing, or transaction monitoring patterns; knowledge of regulatory reporting and controls (audit trails, model governance, policy-as-code); experience with test automation for financial logic (golden datasets, reconciliation harnesses, simulation testing); familiarity with data platforms (SQL, Snowflake/BigQuery, ETL/ELT pipelines); strong software engineering background in one or more of Python, Java, Kotlin, Go, or similar; experience building APIs and integration services (REST/gRPC) and familiarity with event-driven architectures (Kafka or equivalent); solid grasp of software design principles, version control (Git), and testing practices; experience in cloud-native environments (AWS/Azure/GCP), containers (Docker), and CI/CD; familiarity with observability practices (logs, metrics, tracing, SLOs); strong problem-solving skills with disciplined approach to debugging and incident response

Nice to have

Banking domain knowledge: payments (SEPA/SWIFT), card processing, transaction monitoring, AML/KYC, customer onboarding; exposure to 4th generation banking platforms such as Thought Machine or 10X; experience with service mesh (Istio/Linkerd) and zero trust patterns; familiarity with TOGAF, enterprise integration architecture, or API product management; experience with data privacy and retention requirements (GDPR) and operational controls

Benefits

Market-competitive compensation package; clearly defined salary ranges aligned with industry benchmarks and internal equity standards; performance-based incentives for eligible employees; inclusive equitable benefits focused on financial wellbeing, health & wellness; continuous development opportunities including training, education support, and career progression pathways; employee recognition programs that celebrate achievements and milestones