Senior AI-Native Software Engineer

Senior AI-Native Software Engineer

One of the UK's fastest-growing fintechs is hiring.

At ANNA Money, we're building the AI-native financial operating system for small businesses.

We're moving beyond simply being AI-powered. AI is becoming fundamental to how we design software, build products and solve engineering problems.

Our mission is ambitious: to build an intelligent operational employee for small businesses—one capable of taking care of the repetitive administrative work that founders shouldn't have to do themselves.

From banking and payments to invoicing, bookkeeping, tax and company formations, we're combining financial infrastructure, automation and AI into a single product experience trusted by more than 230,000 businesses.

To achieve that vision, we're looking for engineers who are excited not only by building great software, but by redefining how software itself is built.

Why Join ANNA?

This isn't a role where you'll spend years maintaining legacy systems or waiting for decisions to work their way through layers of management.

Our engineers work directly with Product, Design and Engineering leadership to shape both the products we build and the way we build them.

You'll have genuine ownership from day one, influence technical direction, and help define what an AI-native engineering organisation looks like.

You'll work on problems involving:

• AI agents & LLM orchestration

• Backend engineering

• Financial infrastructure

• Distributed systems

• Operational automation

• Real-time data processing

• Product scalability

• Developer tooling

• Customer-facing product experiences

If you're excited by the future of AI-native software engineering, enjoy solving complex technical problems and want to help build products that genuinely transform how small businesses operate, we'd love to hear from you.

Come and help us define what the next generation of engineering looks like.

How We Build Software

At ANNA, we believe AI makes great engineers even better.

Our teams actively embrace modern AI-assisted development to improve productivity, accelerate delivery and automate repetitive engineering tasks.

That means working with technologies and tools such as:

• Claude Code

• GitHub Copilot

• LLMs

• AI Agents

• Intelligent automation

These tools help us move faster.

But speed without engineering judgement creates technical debt.

We're looking for engineers who know how to combine AI-assisted development with excellent software engineering fundamentals—using AI where it adds value while applying the experience and judgement needed to build scalable, maintainable production systems.

Previous commercial AI experience isn't essential. Curiosity and a willingness to embrace modern engineering practices are.

What You'll Be Doing

• Design and build scalable backend services used by hundreds of thousands of businesses.

• Develop customer-facing product features across ANNA's financial platform.

• Use AI-assisted development tools to accelerate software delivery while maintaining engineering quality.

• Build intelligent workflows, automations and AI-native product experiences.

• Reverse engineer existing systems and understand complex technical dependencies.

• Validate, review and improve AI-generated code before it reaches production.

• Contribute to architectural decisions across our platform.

• Write clean, maintainable, well-tested code.

• Improve system performance, reliability and scalability.

• Collaborate closely with Product Managers, Designers, Data Scientists and fellow Engineers.

• Take ownership of your work from idea through to production.

• Continuously improve developer experience, tooling and engineering standards.

What We'll Be Looking For

Our interview process isn't about memorising algorithms or catching candidates out.

We're interested in how you think.

Throughout the interview process we'll assess:

• Backend engineering fundamentals.

• Software architecture and system design.

• Problem solving and technical judgement.

• Product thinking.

• Collaboration and communication.

• Engineering quality.

• Curiosity and continuous learning.

• Your approach to AI-assisted software development.

• End to end ownership of features in the domain of the team.

Our live coding exercise focuses far more on your thought process, engineering decisions and communication than producing the "perfect" solution.

Our Technology Stack

Our engineering teams currently work across:

• Python

• TypeScript

• React

• PostgreSQL

• RabbitMQ

• Kubernetes

• Flutter

• AWS & Google Cloud

You don't need experience across every technology.

Strong engineering fundamentals and the ability to learn quickly matter much more.

Essential Experience

• Significant commercial experience developing software in Python, Java, C# or Go.

• Strong backend engineering experience.

• Experience designing and building scalable distributed systems.

• Strong understanding of software architecture and engineering best practices.

• Excellent debugging and problem-solving skills.

• Experience writing clean, maintainable and well-tested code.

• Comfortable working in cross-functional product teams.

• Excellent communication skills.

• A product mindset with genuine curiosity about solving customer problems.

Nice to Have

Experience with any of the following would be beneficial:

• Python asynchronous frameworks (aio FastAPI etc.)

• Docker, Kubernetes or Helm

• PostgreSQL or MongoDB

• RabbitMQ

• Flutter / Dart

• AI-assisted development tools such as Claude Code, Cursor or GitHub Copilot

• LLM APIs, AI agents or agentic workflows

• Prompt engineering or intelligent automation

If you haven't worked extensively with AI-native tooling but are excited by where software engineering is heading, we'd still love to hear from you.

Life at ANNA

We're proud of our flat organisational structure, where engineers are trusted to make decisions, challenge ideas and own outcomes.

Today our global team consists of more than 200 talented people, with engineers, designers, data scientists and product specialists working together to build products that genuinely improve the lives of small business owners.

We deploy to production hundreds of times every month, continuously experiment, and believe the best ideas can come from anywhere.

Visa Sponsorship

For Skilled Worker visa sponsorship, ANNA covers all costs we are legally required to pay as your sponsoring employer, including the Certificate of Sponsorship (CoS) fee and Immigration Skills Charge (ISC).

Candidates are responsible for their own visa application fee and Immigration Health Surcharge (IHS), payable directly to the UK Home Office.

What We Offer

Benefits

At ANNA, we celebrate a flat organisational structure. You might be wondering what that means! Well, it’s all about empowering our team by sharing power and decision-making responsibilities, so everyone can feel a sense of ownership.

Life at ANNA (flexible by design)

Flexible working — focused on trust, autonomy and outcomes

☕ Hybrid or Remote working, depending on role

Work from anywhere for up to 3 months

‍ Support towards home working equipment

Flexible hours for caregiving responsibilities

⏳ Temporary reduced hours / phased returns when life needs it

Time off for your child’s first day of school (non-negotiable )

Employee Growth Share options — because when ANNA grows, you grow too

Wellbeing (because you’re a human first)

⛑️ Trained Mental Health First Aiders
Perkbox EAP + counselling support
Online GP access & prescription service
⭐️ Bupa private medical insurance
On-demand wellness content
Menopause support (policy + practical adjustments that actually help)

Financial Wellbeing (money matters — we’re ANNA after all)

Salary sacrifice pension contributions
Workplace nursery salary sacrifice
️ Perkbox discounts & reward points
Cycle to Work scheme
Salary sacrifice for Home & Tech

Growth & Self-Direction (invest in you)

✈️ £1k annual personal travel allowance
£1k annual personal learning allowance (including non-work learning — yes, really)

Time Off & Life Moments (the important stuff)

‍ Enhanced parental leave
✨ Adoption leave
Pregnancy loss & compassionate family leave
Emergency dependent leave

Belonging & Connection (we actually like each other)

Monthly team brunches
Regular team-building events
Free drinks & snacks in the office

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A quick note on applications

We’re expecting a high level of interest in this role, so while we may not be able to respond to every individual question, we’ll keep candidates updated throughout the process and aim to get back to everyone, good or bad.

Staying safe when applying to ANNA

We’ll never ask you for money, bank details, or sensitive personal information during the hiring process.
All communication will come from an official @ anna.money email address.

If something doesn’t feel right, it probably isn’t — feel free to check with us directly.

Working with recruiters

We don’t accept unsolicited CVs from agencies.
If you’re a recruiter, please don’t send candidates unless we’ve agreed to work together on a specific role.

Equal opportunity

ANNA is an equal opportunity employer.
We hire based on ability, potential, and what you can bring to the team — nothing else.

If you need adjustments during the process, just let us know. We’ll work with you.