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Infact is modernising consumer credit by replacing outdated bureau data with real-time credit intelligence. They provide lenders with a unified API for affordability assessment, fraud prevention, and credit risk decisioning — helping financial institutions increase responsible lending while reducing default rates. The company was founded to address the fundamental problem that traditional credit bureaus offer incomplete and potentially inaccurate consumer profiles. Their products enable lenders to approve more customers (particularly underserved segments), cut manual underwriting, and meet Consumer Duty obligations with transparent, explainable data. Infact is headquartered in London and is backed by a mission to drive real reform in the UK credit information market.
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Join infact.io as an early-career Product Engineer in Central London, building mission-critical Go services on AWS. Infact.io is disrupting the UK's legacy credit market as the first real-time credit bureau backed by a £4M seed round led by AlbionVC. You will receive direct mentorship from senior engineers and own features end-to-end to help power the API-first lending infrastructure.
Senior Product Engineer at infact.io in London, the team's most senior individual contributor reporting to the CTO. infact.io is building the UK's first real-time credit bureau with an API-first platform delivering live credit data at sub-second latency. The role offers an opportunity to steer the technical direction of a lean, high-performing seed-stage scale-up backed by AlbionVC.
Are you a Data Scientist who knows when to use a simple linear model and when to deploy a complex LLM? This progressive London based fintech startup is looking for an ambitious engineer to revolutionize credit risk and affordability. You'll work on everything from XGBoost risk insights to Generative AI context engineering, all while ensuring model explainability through SHAP. If you have 2+ years of experience in finance and want the autonomy of a fast moving startup where your work directly helps underserved consumers access better products, this is the role for you.