PHP Backend Engineer

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.

Responsibilities

• 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.

Requirements

• 3+ years building backend systems in PHP
• Experience designing and maintaining production APIs
• Confidence writing automated tests
• Comfortable working in a collaborative engineering team

Nice To Have (Not Required)

• Experience with Laravel or Symfony
• Familiarity with Go
• AWS experience
• Experience with microservices or event-driven systems
• Experience in fintech or other regulated environments

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 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. At the interview stages, we will be looking for empathy, eq, fun stories, and the ability to smile even when things are tough.