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About Kota

Kota is the only broker that runs employee benefits for you. Combining health cover, pensions, protection, spend cards, and flexible perks with HRIS integrations, Kota replaces spreadsheets, manual admin, and once-a-year broker calls with one connected system - backed by a team of benefits experts behind every recommendation.

Kota powers benefits for more than 100,000 employees, across companies from fast-growing scale-ups to global HR and payroll platforms.

Investors include Eurazeo, EQT Ventures, Northzone, Frontline Ventures, 9Yards, and Plug and Play Ventures. The Kota team includes experts who previously led at global financial services firms and fintechs such as Airwallex, Stripe, Bolt, Revolut - as well as insurance and benefits providers such as Aviva, Allianz, AXA, and Smart Pension.

The role and team

We're looking for a Senior Product Engineer to join the Core and Investments team on Kota Platform. The team builds the core of the platform and the financial products that sit on it. That covers products like Spend, pensions, salary sacrifice and flexible benefits, and can stretch into areas such as health insurance when that's where the work is.

Our teams are loosely split between Insurances and Core/Finance, and people work across both. As we add products and countries those lines will shift, so we want someone adaptable who'll own whatever matters most at the time.

This is a full stack role. Most of your time will likely be on the backend, but you'll work wherever the problem sits, including frontend when a feature needs it. We don't hire for a particular language or framework. We care far more about how you think than what you've used before.

It's an autonomous role. You'll be trusted to make product calls, not just technical ones, and we want you adding to the roadmap rather than picking up tickets.

What you'll do

Design and build the systems behind pensions, retirement savings and Spend: contributions, provider integrations, employer configuration, card issuing and wallet provisioning

Get close to the problem before the code: find where employers and employees get stuck and turn that into clear product decisions

Join client calls when it helps you understand a problem or explain a solution

Own your work end to end, from scoping with the team through architecture and delivery to what happens after launch, including customer issues

Work across the stack wherever the problem needs you, rather than stopping at the edge of one codebase

Push back when a request doesn't match your understanding of the problem, and bring your own ideas to the roadmap

Use AI throughout how you work: planning, building, reviewing and shipping.

Keep what you own reliable, secure and observable, and contribute to code reviews and technical planning

Help shape how the team works as it grows

What we're looking for

6+ years building production software, with examples of products you've owned and improved, not just delivered

Product judgement. You can explain the user problem, the choices you made and what changed for customers

Full stack experience. You're comfortable going deep on the backend and can work in the frontend when the product needs it

A track record of taking a loose brief to production, and of pushing back when something was the wrong thing to build

Experience building dependable APIs or integrations with third-party systems. Fintech, payroll, pensions or benefits experience is a plus

AI-native ways of working. You use AI for planning, setup and review, not just autocomplete, and you're critical about what it produces

A clear communicator who can explain a decision to an engineer and to a customer, and knows which version each one needs

Care for reliability, security and compliance, because people rely on what we build for important benefits

Comfortable with pace, ambiguity and ownership in a fast-growing startup

Ability to work to GMT hours with a 08:00 - 10:00 start