Updraft

Backend Engineer

• Design and develop efficient, scalable server-side components that integrate seamlessly with client applications.
• Contribute to architectural improvements and maintain high standards of code performance and maintainability.
• Build and extend backend features using internal and third-party APIs (e.g., Modulr, Truelayer, Checkout.com) to support lending products including loan applications, collections, and payments.
• Develop internal tools to automate operational workflows, significantly reducing manual effort and increasing team efficiency.
• Collaborate with the data team to deliver data-driven enhancements such as dynamic pricing and personalised user experiences.
• Work alongside front-end and product teams to build innovative solutions that empower users to manage their finances more effectively.

Senior Backend Developer, Django/Python

Risk

• Lead Updraft’s strategic focus on ensuring Operations delivers for customers whilst remaining compliant with regulations.
• Responsible for complaints and quality assurance whilst also being the main point of contact for Compliance with regards to regulatory changes or requests.
• Set the overall strategy and identify relevant automation use cases through appropriate leadership and collaboration whilst being hands-on and having enough technical knowledge to work with Engineering to deliver on the changes.
• Report to the COO.
• Own Updraft’s complaints strategy and respond to individual customer complaints whilst progressing with automation of relevant use cases.
• Define and execute Updraft’s quality assurance framework, prioritising automated approaches.
• Identify themes within complaints or quality assurance outcomes and progress changes to minimise customer impact.
• Provide MI to Updraft’s 2nd Line Compliance team to demonstrate effectiveness of controls.
• Define and execute the overall Risk & Control Strategy.
• Lead on automation and AI development, identifying use cases, building solutions and continually improving through testing.
• Engage in new product discussions, providing the voice of the customer.
• Lead, mentor, and grow a team, fostering a culture of accuracy, efficiency, and customer-centric decision-making.
• Work closely with Data Science, Engineering, Compliance, and customer facing teams.

First Line Risk and Control Manager

Analyst

• Updraft. Helping you make changes that pay off.
• A 360 degree spending view across all your financial accounts (using Open banking)
• A free credit report with tips and guidance to help improve your credit score
• Native AI led personalised financial planning to help users manage money, pay off their debts and improve their credit scores.
• Intelligent lending products to help reduce cost of credit
• 800k+ users of the mobile app that has helped users swap c £500 m of costly credit-card debt for smarter credit, putting hundreds of thousands on a path to better financial health
• The product is highly rated by our customers. We are rated 4.8 on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store.
• We are selected for Technation Future Fifty 2025 – a program that recognizes and supports successful and innovative scaleups to IPOs - 30% of UK unicorns have come out of this program.
• Updraft once again featured on the Sifted 100 UK startups - among only 25 companies to have made the list over both years 2024 and 2025.
• We are seeking a skilled Retail Credit Risk Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.