Senior Full Stack Software Engineer

About us:

At MTF, our mission is to help New Zealanders get ahead by making lending about people again. We're New Zealand's money experts with locals helping locals all over the motu, powered by a world-class funding system.

100% New Zealand owned and operated since 1970, MTF provides personal and business loans to Kiwis old and new through our nationwide network of over 200 franchised offices, vehicle dealers and business partners. We've grown to be one of New Zealand's iconic household-name brands, with business assets of more than $1B.

There is a strong sense of pride in the work we do. We have a fervent love for our Dunedin heritage but we're a national business, and a team, who reach communities and customers right across New Zealand.

When you join MTF, you join a dynamic, innovative and highly trusted team. Whether you join our National Office, or one of our franchises, you're joining team who share a deep passion for the communities we serve and doing the best for our customers, while also having an unwavering commitment to help our own people learn, grow, and thrive.

About the role:

Join us at MTF Finance and help shape the future of financial technology. We're looking for an experienced, hands-on software engineer who thrives on solving complex problems and building scalable, high-quality solutions that power our core platforms.

As part of one of our three core delivery squads, you'll work across the stack on mission-critical systems that directly impact thousands of customers. This isn't just about writing code, it's about engineering solutions that matter, collaborating with talented peers, and driving continuous improvement in quality, performance, and developer experience.

Our Tech Stack:

We build on a modern, cloud-native foundation using TypeScript with and NestJS for backend services, complemented by a small footprint in PHP. On the frontend, we deliver user experiences with , while our databases consist of Postgres and MySQL. Everything is deployed on Microsoft Azure, leveraging event-driven patterns and microservices architecture. To ensure reliability and performance, we treat observability as a first-class citizen, instrumenting our systems with Datadog for metrics, logs, and distributed tracing.

Our engineering culture embraces CI/CD, automated testing, and security by design to deliver scalable, maintainable solutions.

Just some of the things you're responsible for:

• Contribute to impactful software delivery across core engineering squads, working on cloud-native, microservice-based solutions.
• Build secure, scalable, and resilient systems using TypeScript and Azure with modern engineering practices.
• Own end-to-end delivery quality, with a focus on clean architecture, test automation, and long-term system sustainability.
• Collaborate in agile ways of working, including code reviews, design forums, and team ceremonies that drive continuous improvement.
• Champion simple, intuitive design in both back-end and front-end development while maintaining technical excellence.
• Drive observability and performance, instrumenting services with Datadog for proactive monitoring and incident resolution.
• Embed risk management and security by design, ensuring compliance, traceability, and alignment with enterprise governance.

You'll need to have:

• Tertiary qualification (e.g., Bachelor of Science, majoring in Computer Science).
• 5+ years of hands-on software engineering experience within high-performing Agile teams.
• Proven success delivering cloud-native solutions using microservices and event-driven architectures.
• Strong experience in full-stack development, including front-end frameworks like and modern UI practices.
• Strong expertise in TypeScript and modern frameworks for building scalable, maintainable applications.
• Demonstrated ability to embed best-practice engineering principles including automated testing, CI/CD, and security by design.

What you'll receive in return:

• Be part of a proud New Zealand business on a mission to become the country's favourite finance company, with strong roots in Dunedin.
• Enjoy a culture that celebrates success - regular office celebrations, shouts, and our incentive schemes reward both individual achievements and business outcomes.
• Join a dynamic, collaborative team in a modern, central office where people genuinely enjoy working together and take pride in being MTFers.
• Work in a supportive, vibrant environment where teamwork, accountability, and delivering on commitments come first.
• Receive a competitive remuneration package, including fully funded medical insurance, performance incentives, flexible leave options, and other great benefits.

Sound like you?

Candidates should apply online via Seek with an updated CV and cover letter; however, a full job description is available on our website.

Did you know?

Studies show women and people from diverse backgrounds may not apply for jobs if they don't tick every box on the job advertisement.

If you're keen on any role at MTF but feel like you're not a 100% match, don't worry We still want to see your unique spark, so go ahead and apply. We appreciate varied perspectives and believe every individual brings something special to our team. In a nutshell - we want you to work here because you're you

Our recruitment process is fair and inclusive and just like most things in life, a one-size-fits-all approach doesn't fit most. We think that approach is 'meh' anyway. If you need any special arrangements or a little extra support during your journey with us, that's okay - just let us know either in your application or when you're chatting with one of our lovely People and Capability team members.

We can't wait to hear from you.

Candidates must possess a New Zealand Driver Licence and the legal right to full-time work in New Zealand. Any offer of employment is subject to clear reference checks, credit reporting and police record checks. Be advised that only those candidates shortlisted will be contacted.