Head of Engineering
Uncapped
Hybrid based in Warsaw, or fully remote from Poland.
Our Vision 🎯
To empower every e-commerce business in the world to turn its data into instant access to capital.
Engineering is the engine behind that vision. Every credit decision, every API integration with Amazon and Walmart, every automated underwriting pipeline runs on the systems our engineering team builds and operates. As we scale our loan book and expand underwriting-as-a-service to the broader market, the quality of our engineering organisation directly determines how fast and how safely we grow.
Role Overview 🚀
As Head of Engineering at Uncapped, you will lead our engineering organisation across six platform layers: Customer Engagement, Onboarding, Underwriting Automation, Core Financial Platform, Data Infrastructure, and GCP/Kubernetes-based platform engineering. You'll manage and develop engineering managers, own the overall technical architecture, and drive the disciplined, high-velocity execution that a high-growth fintech demands.
This is a dual-mandate role. You'll be deeply embedded in system design and technical direction while simultaneously developing the management layer that lets the organisation scale without losing quality or speed. You'll also lead the team's adoption of AI tooling as a structural productivity multiplier, not an afterthought.
About Uncapped 👫
Founded in 2019, Uncapped is a fintech company focused on providing working capital to SMEs in North America and Europe.
We leverage multiple data sources to make credit decisions faster, safer and more conveniently. We are working with the largest platforms in the world, including Amazon and Walmart, and strive to be the best alternative lender globally.
What You'll Do ✍️
Lead Engineering Strategy & Team Build and develop a high-performing engineering organisation of 15+ engineers and engineering managers. Strengthen the culture, processes, and communication discipline that enable autonomous, high-quality delivery across distributed EU/UK/US timezones. You'll own engineering career frameworks, manager development, and the hiring bar.
Own Technical Architecture Partner with the CTO to set and enforce technical direction across the full platform stack. Lead architecture reviews, own governance frameworks, and make consequential build/buy/integrate decisions, particularly as we modernise underwriting automation and onboard new marketplace data partners. You'll be the person who identifies structural fragility before it becomes operational risk.
Drive AI-Powered Productivity Lead the organisation's adoption of AI tooling across the full development lifecycle: code generation, testing, documentation, and incident response. Set expectations, track impact, and make high-leverage AI usage a team norm rather than an individual habit. You'll have a credible, hands-on point of view here, not a delegated one.
Enforce Engineering Discipline Own delivery cadences, planning hygiene, cross-squad coordination, and accountability structures. Build the processes that keep a fast-moving team aligned without bureaucracy. Establish and maintain clear ownership boundaries across squads to prevent fragmentation and information silos.
Enable Cross-functional Impact Partner with Risk, Product, and Operations to ensure engineering output translates directly into business outcomes: faster credit decisions, higher automation rates, and new partner integrations. Assess the cost and feasibility of new technical initiatives and communicate tradeoffs clearly to non-technical stakeholders.
Who You Are 👀
Experience & Technical Skills
- 10+ years in engineering roles, with at least 3 leading engineering managers in high-growth environments
- Proven track record delivering complex, distributed systems in production; fintech, marketplace, or other data-intensive domains strongly preferred
- Deep fluency with GCP, Kubernetes, BigQuery, and event-driven architectures; you can hold your own in a system design review with a senior engineer
- Strong understanding of API integrations, automated data pipelines, and the infrastructure tradeoffs that matter at scale
- Active, hands-on user of AI development tooling with demonstrated experience scaling adoption across a team
Strategic & Commercial Capabilities
- Ability to balance immediate delivery pressure with long-term architectural health and communicate that balance clearly upward
- Commercial acumen to assess the engineering cost of new initiatives against their business value
- Experience operating in regulated or compliance-sensitive environments is a strong plus
- Low tolerance for ambiguous ownership, process theatre, and information silos; you build systems that eliminate them
What we offer 🎁
At Uncapped, our people make us successful. We are a start-up with big goals, and we work hard, so we want to give everyone the benefits they really want. We are continually adding to this list as new people join -- here are some of the things you can expect:
- Unlimited holiday: we believe that well-rested and happy people make the best employees
- Competitive compensation plan
- MacBook
- Personal growth fund: Raise your game from great to spectacular
- Monthly recognition and awards: Celebrate wins big and small
- The opportunity to make a big impact every day on the lives of European and US entrepreneurs.
- Workspaces in Warsaw, London and Atlanta
We can only consider applications from candidates who are eligible to work in Poland without requiring visa sponsorship.