SENIOR ENGINEER - PERSONAL SAVINGS | OakNorth in India · Teeming.ai
OakNorth in India
We’re OakNorth. And we’re here to shake up commercial lending. Founded by entrepreneurs, Rishi Khosla and Joel Perlman, OakNorth’s mission is to empower the ‘Missing Middle’ – scale-up businesses that are the most significant contributors of economic and employment growth, yet still struggle to access the fast, flexible debt finance they need to grow. We believe that commercial lending should be barrier-free. That’s not just a tagline. It’s a belief at our very core, inspired by our entrepreneurial spirit, driven by unmet financial needs of millions, and delivered by our data-driven tools.
OakNorth's India operations have been at the core of group’s global operations since its founding in 2015. With over 500 colleagues spread across our offices in Bengaluru, Gurugram and Hyderabad, we are helping redefine commercial lending. On our team are some of the brightest credit minds in India, along with world-class engineers, tech professionals and data scientists who integrate into a global team helping drive not just faster lending by OakNorth Bank in the UK, but also transforming lending globally through the next generation ON Credit Intelligence Suite. Together, we are helping make lending smarter.
But we go beyond lending. Over the past eight years in India, we've built an incredibly strong culture that empowers and champions ambition – an environment where everyone can thrive, speak up, share ideas, and challenge the norm. Characterised by collaboration and driven by inclusiveness, we don't let time-zones, cultures or hierarchies get in the way of success. Our mantra is 'one team', no matter where we are or what we do.
And we don’t just stop there. We have an unrelenting focus on making communities better and the environment greener. OakNorthers pledge 1% of their time to make a positive difference in the communities we operate in, and we’ve set ourselves a net zero target of 2035. It’s what gives us the passion to excel together. Say hello to OakNorth.
We’re OakNorth. And we’re here to shake up commercial lending. Founded by entrepreneurs, Rishi Khosla and Joel Perlman, OakNorth’s mission is to empower the ‘Missing Middle’ – scale-up businesses that are the most significant contributors of economic and employment growth, yet still struggle to access the fast, flexible debt finance they need to grow. We believe that commercial lending should be barrier-free. That’s not just a tagline. It’s a belief at our very core, inspired by our entrepreneurial spirit, driven by unmet financial needs of millions, and delivered by our data-driven tools.
OakNorth's India operations have been at the core of group’s global operations since its founding in 2015. With over 500 colleagues spread across our offices in Bengaluru, Gurugram and Hyderabad, we are helping redefine commercial lending. On our team are some of the brightest credit minds in India, along with world-class engineers, tech professionals and data scientists who integrate into a global team helping drive not just faster lending by OakNorth Bank in the UK, but also transforming lending globally through the next generation ON Credit Intelligence Suite. Together, we are helping make lending smarter.
But we go beyond lending. Over the past eight years in India, we've built an incredibly strong culture that empowers and champions ambition – an environment where everyone can thrive, speak up, share ideas, and challenge the norm. Characterised by collaboration and driven by inclusiveness, we don't let time-zones, cultures or hierarchies get in the way of success. Our mantra is 'one team', no matter where we are or what we do.
And we don’t just stop there. We have an unrelenting focus on making communities better and the environment greener. OakNorthers pledge 1% of their time to make a positive difference in the communities we operate in, and we’ve set ourselves a net zero target of 2035. It’s what gives us the passion to excel together. Say hello to OakNorth.
Company: OakNorth in India — India operations of UK-headquartered OakNorth Bank
Focus: Commercial lending and credit intelligence for lower mid-market businesses
India footprint: Offices in Bengaluru, Gurugram and Hyderabad; ~500 colleagues in India
Founders: Rishi Khosla and Joel Perlman (founded OakNorth in 2015)
Funding signal: $440M round (2019) led by SoftBank Vision Fund; group has raised over $1B
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Company Overview
Problem Domain
Access to timely, flexible debt finance for scale-up / lower mid-market businesses and commercial lending efficiency.
Founded
2015
Industry
Financial Services
Funding Track Record
Growth / late-stage equity- 2019-02-08
$440 million
Reported post-money valuation over $2.8 billion
Investor Signal
“Group reports having raised over $1bn from institutional and strategic backers”
Founders
What we do
Join the Team
SENIOR ENGINEER - PERSONAL SAVINGS
On-SiteBengaluru, Karnataka, IN
On-Site • Bengaluru, Karnataka, IN
At OakNorth, we’re on a mission to empower the UK’s most ambitious businesses. Since 2015, we’ve lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.
OakNorth is a profitable business that has supported the growth of thousands of entrepreneurs with a new standard of business lending. We're looking for people to join our Engineering team in building upon this success, as we grow to play a key part in redefining the future of business banking with next generation financial tools and products.
This is a fantastic opportunity to join a fast-paced, growing bank with a reputation for doing things differently. We don’t want another cog in the machine, we’re looking for self-starters and bold thinkers who want to pave their own career paths.
The role 👋
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Data Scientist
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Have a strong technical background, including 5-6 + years of experience designing and engineering large scale systems
Strong experience in either backend (Python) or frontend (React) in enterprise-class applications, with a pragmatic attitude to tech and a willingness to grow into full stack over time
Architecture and system design knowledge (prefer in Domain-driven Design, Event design)
Measure your success in terms of business impact, not lines of code
Internalise the best ideas from across the organisation, humbly setting a vision that others can get behind
Embrace DevOps culture: You build it, you run it
Work well cross-functionally and earn trust from co-workers at all levels
Care deeply about mentorship and growing your colleagues
Prefer simple solutions and designs over complex ones
Enjoy working with a diverse group of people with different areas of expertise.
You challenge the existing approach when you see the cliff edge racing towards us, but also get on board once the options have been debated and the team has made a decision
You're comfortably organised amongst chaos
You’re a broad thinker and have the capability to see the potential impact of decisions across the wider business
Technology 🧱
We're pragmatic about our technology choices. These are some of the things we use at the moment:
🗃 Python
🗄️ PostgreSQL, BigQuery, MySQL
🎨 TypeScript, React, styled-components
🔧 Jest, React Testing Library, Cypress, pytest
☁️ AWS, GCP
🚀 ECS Fargate, Docker, Terraform, GitHub Actions
How We Expect You To Work 👷♀️
We expect you to work in these ways, as well as encouraging and enabling these practices from others:
Collaborate 💬 - We work in cross-functional, mission driven, autonomous squads that gel over time. We pair program to work better through shared experience and knowledge.
Focus on outcomes over outputs ✅ - Solving a problem for users that translates to business results is our goal. Measurements focused on that goal help us to understand if we are succeeding.
Practice continuous improvement 💡 - We optimise for feedback now, rather than presume what might be needed in the future and introduce complexity before it will be used. This means we learn faster. We share learnings in blame-free formats, so that we do not repeat things that have failed, but still have confidence to innovate.
Seek to understand our users 👂 - We constantly seek understanding from data and conversations to better serve our users' needs, taking an active part in research to hear from them directly and regularly.
Embrace and enable continuous deployment 🤖 - Seamless delivery of changes into an environment - without manual intervention - is essential for us to ensure that we are highly productive; consider resiliency; and practice security by design.
Test outside-in, test first 🚦 - TDD keeps us confident in moving fast, and deploying regularly. We want to solve user problems, and so we test with that mindset - writing scenarios first, then considering our solution; coupling tests to behaviour, rather than implementation.
You build it, you run it ⚙️ - We embrace DevOps culture and end-to-end ownership of products and features. Every engineer, regardless of their role, has the opportunity to lead delivery of features from start to finish.
Be cloud native ☁️ - We leverage automation and hosted services to deliver resilient, secure services quickly and consistently. Where SaaS tools help us achieve more productivity and better-quality results for a cheap price, we use these to automate low value tasks.
How We Expect You To Behave ❤️
We embrace differences and know that when we can be ourselves at work, we are happier, more motivated, and creative. We want to be able to bring our whole selves to work, have our own perspectives and know that we belong. As such, through your behaviours at work, we expect you to reflect and actively sustain a healthy engineering environment that looks like this:
A wide range of voices heard to the benefit of all
Teams that are clearly happy, engaged, and laugh together
Perceivable safety to have an opinion or ask a question
No egos - people listen to and learn from others at all levels, with strong opinions held loosely
Benefits & Perks 😍
Equity. We want people to have a stake in the business so that all our interests are aligned.
Health Insurance for employee and dependents.
Wellbeing and social events
Support causes that matter to you – Volunteering time off
About Us
We’re OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace.
Banking should be barrier-free. It’s a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools.
And for those who love helping businesses thrive? Our savings accounts help diversify the high street and create new jobs, all while earning savers some of the highest interest on the market.
But we go beyond finance, to empower our people, encourage professional growth and create an environment where everyone can thrive. We strive to create an inclusive and diverse workplace where people can be themselves and succeed.
Our story
OakNorth Bank was built on the foundations of frustrations with old-school banking. In 2005, when our founders tried to get capital for their data analytics company, the computer said ‘no’. Unfortunately, all major banks in the UK were using the same computer – and it was broken.
Why was it so difficult for a profitable business with impressive cashflow, retained clients, and clear commercial success to get a loan?
The industry was backward-looking and too focused on historic financials, rather than future potential.
So, what if there was a bank, founded by entrepreneurs, for entrepreneurs? One that offered a dramatically better borrowing experience for businesses?
No more what ifs, OakNorth Bank exists.
For more information regarding our Privacy Policy and practices, please visit: https://oaknorth.co.uk/legal/privacy-notice/employees-and-visitors/
