PHP Backend Engineer, Chip

• 3+ years building backend systems in PHP
• Experience designing and maintaining production APIs
• Confidence writing automated tests
• Comfortable working in a collaborative engineering team
• If you meet most of the must-haves, we encourage you to apply. We don’t expect perfection
• Someone with a genuine interest in Chip and is excited about being part of a fast-growing company and our mission to build the investment super app of the future
• Although we’re in the financial space, and under the scrutiny that comes with it, the current engineering team works well together, and even sometimes with a smile. We’re sure you’ve got the technical skills, otherwise, you would have stopped reading by now, so let us be clear on what will make us want to work with you
• We want a real person, with interests outside of work, to join our team. You could be a dancer, a gamer, a musician, a parent, a hockey fan, or even that one person that still writes Twilight fan-fiction. Doesn’t matter to us

Desirable

• We’re hiring a Backend Engineer (PHP) remote in the UK to help scale the API backbone of our savings and investment platform
• This role is for someone who enjoys building clean, well-tested services that handle meaningful complexity — not just shipping basic features
• Designing and building APIs that power thousands of daily regulated financial transactions
• Owning backend domains end-to-end, from design through deployment
• Improving reliability, performance and observability across our services
• Contributing to architectural decisions, not just implementing tickets
• Writing high-quality, well-tested code in a collaborative engineering team
• Working closely with Product, Mobile and Operations to ship safely and quickly
• You’ll have real ownership. The systems you build will directly impact customers’ money and financial outcomes
• Our Stack
• We primarily work in modern PHP, using frameworks such as Laravel and Symfony, with strong automated test coverage and clear service boundaries
• We also regularly build and maintain services in Go, particularly where performance, concurrency or scalability requirements demand it
• Our broader stack includes:
• Service-oriented architecture
• Docker
• AWS
• CI/CD pipelines
• Observability and monitoring tooling
• We care more about clean design, thoughtful testing and well-structured systems than chasing trends, but we’re pragmatic about using the right tool for the job

• We usually respond within three days
• At the interview stages, we will be looking for empathy, eq, fun stories, and the ability to smile even when things are tough
• 1. Video screen with someone from our Talent team
• 2. Short take-home test
• 3. Video interview with hiring manager and Senior Engineer
• 4. Final interview with Product Manager