Principal Engineer, Open Banking Payments

Closing date for applications: 21/07/2026

Location Edinburgh, United Kingdom

Salary £55,480 – £83,220

Job typePermanent | Contract typeFull Time

Remote / On-site Hybrid

You’ll spend some of your time at home, working with your team digitally. You’ll also regularly work at your office or hub to collaborate with your colleagues.

Managerial / Technical Lead

This is a general indication and doesn’t always reflect day-to-day responsibilities. Check the job description for full details.

#R-00280397

Join our digital revolution in NatWest Digital X

In everything we do, we work to one aim. To make digital experiences which are effortless and secure.

So we organise ourselves around three principles: engineer, protect, and operate. We engineer simple solutions, we protect our customers, and we operate smarter.

Job description

This role is based in the United Kingdom and as such all normal working days must be carried out in the United Kingdom.

Join us as a Principal Engineer, Open Banking Payments

This is a challenging role that will see you design and engineer software with the customer or user experience as the primary objective

You’ll actively contribute to our architecture, design and engineering centre of excellence, collaborating to improve the bank’s overall software engineering capability

You’ll gain valuable stakeholder exposure as you build and leverage relationships, as well as the opportunity to hone your technical talents

What you'll do

As a Principal Engineer, Open Banking Payments, you’ll be creating great customer outcomes via engineering and innovative solutions to existing and new challenges, and technology designs which are innovative, customer centric, high performance, secure and robust.

You’ll be working with software engineers in the production and prototyping of innovative ideas, engaging with domain and enterprise architects to validate and leverage these in wider contexts, by incorporating the relevant architectures. We’ll also look to you to design and develop software with a focus on the automation of build, test and deployment activities, while developing the discipline of software engineering across the business.

You’ll also be:

Defining, creating and providing oversight and governance of engineering and design solutions with a focus on end-to-end automation, simplification, resilience, security, performance, scalability and reusability

Working within a platform or feature team along with software engineers to design and engineer complex software, scripts and tools to enable the delivery of bank platforms, applications and services, acting as a point of contact for solution design considerations

Defining and developing architecture models and roadmaps of application and software components to meet business and technical requirements, driving common usability across products and domains

Designing, producing, testing and implementing the working code, along with applying Agile methods to the development of software with the use of DevOps techniques

The skills you'll need

You’ll come with significant experience in software engineering, software or database design and architecture, as well as experience of developing software within a DevOps and Agile framework.

Along with an expert understanding of the latest market trends within the banking payments area. You’ll have significant experience with java, you’ll bring a robust and demonstrable experience of implementing programming best practice, especially around scalability, automation, virtualisation, optimisation, availability and performance.

You’ll also need:

A strong background in leading software development teams in a matrix structure, introducing and executing technical strategies

Significant and demonstrable experience of test-driven development and using automated test frameworks, mocking and stubbing and unit testing tools

A background in designing and implementing Open Banking Payments APIs

The ability to rapidly and effectively understand and translate product and business requirements into technical solutions

A background of working with code repositories, bug tracking tools and wikis

Your benefits breakdown

Here’s a quick look at what your pay package and annual leave could look like if you get accepted for the role. We have a wide range of benefits to support you in your working life and beyond.

Please note, the presented benefits packages are based on the minimum base salary.

Tap each segment for details.

Your pay package

£

Your leave allowance

30 days Annual leave You’ll also have the opportunity to purchase up to 5 additional days off.

3 days Volunteering Take time off to support the causes you’re passionate about.

3 days Training Take time to build the skills you need to grow your career.

Total rewards package

Welcome to our Gogarburn hub

Set in large grounds including beautiful woodland, Gogarburn offers a conference centre, a business school with hotel bedrooms, a restaurant, relaxing zen gardens, onsite parking, and excellent transport links.

Key facts:

Surrounded by 85 acres of woodland

Our carparks provide electric vehicle charging

Opened in 2005

Our tech stack

Here’s just some of the technologies we use.

Front end

JavaScript

ReactJS

AngularJS

Back end

Python

Java

Microsoft Dynamics

DevOps

AWS

GitLab

Google Cloud Platform

Data

Kafka

Hadoop

PostgreSQL

Snowflake