Our Mission At Ophelos, we believe in a different way to deal with debt. One that puts empathy and understanding front and centre, approaching our customers as individuals — no matter what they’re going through. For too long, people in debt have borne the brunt of poor industry practices.

Intimidating tactics, time-consuming customer service and a one-size-fits-all approach that overlooks the reasons anyone can fall into debt in the first place. Meanwhile, businesses suffer too. Poor customer experience translates to poor customer satisfaction, high churn rates, bad brand reputation and ultimately missed opportunities.

That’s why we’re taking a radically different approach. Pioneering an industry-first AI-native collections platform, we build products that help individuals clear their debts in a way that suits them, whilst providing businesses with an improved customer experience and game-changing insights into their customer base. Since our launch in 2021, we’ve worked with some of the UK’s leading companies, including Octopus, Scottish Power and Philips — helping millions of people move toward a more stable, debt-free future.

In 2023, we were acquired by Intrum, Europe’s biggest credit management service and have begun the next phase in our growth — expansion into 17 European markets over the next two years. Senior Product Engineer (Full Stack) We are seeking an enthusiastic and ambitious Senior Product Engineer with a keen eye for quality to join our growing Engineering function. You will be joining our Payments squad, responsible for building out our cross-market flexible Payments capability.

This is a team which has recently transitioned to being "LLM-first" in their working style, so you would be joining at a critical moment to shape our ways of working and our approaches to LLM-based tooling. At Ophelos, we don't have traditional product or design functions — our engineers own the full problem, from identifying what needs to be built through to shipping and iterating on it. If you're energised by that kind of end-to-end ownership and want to operate closer to the product than most engineering roles allow, this is the role for you.

In this role, you'll get to: Design, implement and deliver software features with full ownership from start to finish — from problem definition through to production. Take genuine product ownership: identify user and business needs, define solutions, and make pragmatic trade-offs — not just execute on a brief handed to you. Have real opinions about how things should be built, and back them up.

We want engineers who push back — on a design pattern, a tool choice, or a suggestion from an AI agent — when the second- and third-order consequences don't stack up. Work in an environment that's largely backend-heavy right now (though that mix will evolve), with the autonomy to shape how it's built. Collaborate as part of a close multi-disciplinary team.

Your work will have meaningful and measurable impact on our organisation and products. Own business-critical components and ensure their stability and maintainability — and know how to prove it, through the numbers you track. Mentor other members of the team to ensure technical excellence and continuously raise the bar when it comes to engineering standards.

Share your ideas with the team and build products that make an incredibly impactful difference to society and people's lives. Ophelos is an AI-first technical organisation and effective use of LLMs is central to how our engineers work. Claude Code and other agentic tools are critical to our toolbox, and we're as interested in engineers who bring their own AI-assisted workflows and habits to the team as we are in engineers who already use ours.

The right person for this role is excited by this world, uses it daily in their own work — professionally or personally — and enjoys helping others get better at it too. Stack-wise, we run TypeScript, Python, and Ruby at various levels.