Senior Full Stack Software Engineer

About Us

MoneyHero Limited (NASDAQ: MNY) is a leading tech
- and AI-powered personal finance aggregation and comparison platform that provides consumers with actionable insights to discover, compare, and choose the best financial products with confidence
- bringing data intelligence and seamless digital access across insurance and banking solutions. The Company operates in Singapore, Hong Kong, Taiwan and the Philippines. Its brand portfolio includes B2C platforms MoneyHero, SingSaver, Money101, Moneymax and Seedly, as well as the B2B platform Creatory. The Company also holds a preference share investment in Jirnexu Pte. Ltd. MoneyHero had over 280 commercial partner relationships as at June 30, 2026, and had approximately 3.7 million Monthly Unique Users across its platform for the three months ended June 30, 2026.

About the Job

You will join our engineering team as a Senior Engineer, reporting to the Group Head of Engineering and AI. You will own production features across backend services and frontend applications for our financial products, from initial scoping with the business through design, build, release, and operation, and you will contribute to the architecture and engineering standards of the team.

We are an AI-first engineering team. Most of our code is written with AI tools, within a delivery system built on clear specifications, codified standards, thorough automated testing, strict human review, and reliable pipelines and monitoring. Engineers spend their time specifying, directing, and reviewing that output, and Senior Engineers are responsible both for using the system well and for improving it.

A large part of this role is working directly with the people who need the software: Product, Design, Business, Marketing, Operations, Compliance, and partner teams. You will run requirements conversations yourself, propose options and trade-offs, agree scope and timelines, and be accountable for the outcome. Strong communication skills are essential.

What You Will Work On

• User-Facing AI Solutions: Build AI-powered features that help users find the right card, loan, or insurance policy for their situation, including conversational assistants and personalised recommendations. In a regulated financial context these need to be accurate, explainable, and safe.
• Insurance Journeys & Provider Integrations: Insurance is one of our fastest-growing businesses. Build and extend end-to-end journeys that let users quote, compare, buy, and manage policies online, and the integrations with insurers' systems that support them.
• Digital Rewards Distribution System: Users who take up a financial product through us earn rewards. Evolve the platform that tracks eligibility, validates claims, and delivers digital rewards across four markets and many partners, with the reconciliation, fraud controls, and audit trail a regulated business requires.
• Membership & Loyalty: Develop the membership and loyalty programme that recognises users across our brands and gives them reasons to return, so that we become their regular starting point for financial decisions rather than a one-time comparison.

How We Deliver

Writing most of our code with AI changes where engineering effort goes. The quality of what we ship is set by the system around the tools, and every Senior Engineer is expected to understand and improve it.

Specifications first: Work starts with a written specification covering behaviour, constraints, and acceptance criteria. It is reviewed before implementation and is what both engineers and AI tools build from.

Codified standards: Architecture rules, coding conventions, and security requirements are written down and enforced through tooling (shared rules and skills for AI agents, linting, type checks, templates) rather than carried in people's heads.

Architecture that bounds the work: Clear service boundaries, API contracts, and module structure limit the scope of any change and make it possible for an AI tool to work on one part of the system safely.

Automated verification: Unit, integration, contract, and end-to-end tests, together with static analysis and security scanning, run in CI on every change. The test suite is our primary check on AI-generated code, so its quality is treated as seriously as production code.

Human review as the gate: Every change is reviewed by an engineer who is accountable for it. Review focuses on correctness, business logic, security, and conformance to the architecture.

Observability and feedback: Monitoring, alerting, and incident review catch what review missed and feed back into the standards and tests.

Our Tech Stack

Our backend services are written in Node.js, C#, and Java, and our frontends in React. We do not expect deep experience in every part of the stack. We look for strong fundamentals, solid experience in React and at least one o