iwoca Ltd

Back End Engineer - FinTech Hybrid in London (UK) or Remote within the UK The company Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are. That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when its needed. We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive. The team The Finance Technology team builds and maintains the payment infrastructure and financial data systems that power iwoca's growth. The team partners with the Finance team to build scalable tools and supports other product teams to launch new products with enhancements to the payment infrastructure and financial data systems. As a group of skilled back-end engineers, they work closely with a dedicated Tech Lead and Product Manager, using Agile methods to ship code frequently and solve complex problems together. Four of the team work remotely and three are hybrid, working 1-3 days per week in the London office. The role Responsibility and Autonomy: Contribute to the delivery of well-defined projects involving many stakeholders and systems. Go beyond the code to develop a deep expertise in the Finance Technology team's domain, understand our core financial products and our stakeholder needs to become a trusted technical advisor to the business. Perform detailed technical scoping and prototyping to support feasibility testing and decision making. Delivery and Collaboration Implement scalable solutions for complex challenges, such as building payment microservices, implementing direct debits, and rearchitecting our reporting technology Translate ambiguous product requirements into clear, actionable technical plans that guide the team's work. Contribute high-quality, production-ready code and foster a collaborative environment by reviewing work, helping to troubleshoot live issues, and writing useful documentation. Learning and Growth: Embrace and demonstrate a growth mindset by sharing new technologies and best practices within the team and across the company. Work with the Tech Lead to improve our development and agile practices, and to help raise the technical bar within the team. The requirements Essential: Experience with Python web frameworks (Django / FastAPI / Flask / Starlette / Ninja). Experience with relational databases, ideally PostgreSQL, but open to MySQL or similar (e.g., MS SQL, Oracle); emphasis is on data integrity. Experience contributing to the delivery of complex projects implemented by several engineers, including taking features from conception (0-1) to launch in a startup, scale-up, or SME environment. A strong technical or mathematical foundation, evidenced by a degree in a quantitative field (Computer Science, Engineering, Physics, Maths or similar) or equivalent professional experience. Experience of building and managing complex API integrations (e.g., Payments like Stripe/Braintree, or high-scale integrations in industries like Telecoms, Travel, Ad-Tech, or similar). Bonus: A background in high-logic or high-scale fields like Fintech, Gaming, Healthcare Tech, Logistics, Security/Cryptography, or similar. The salary We expect to pay from £70,000 to £80,000 for this role. But, we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services. The offices We put a lot of effort into making iwoca a great place to work: Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions. The benefits Flexible working hours. Medical insurance from Vitality, including discounted gym membership. A private GP service (separate from Vitality) for you, your partner, and your dependents. 25 days' holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. A one-month, fully paid sabbatical after four years. Instant access to external counselling and therapy sessions for team members that need emotional or mental health support. 3% Pension contributions on total earnings. An employee equity incentive scheme. Generous parental leave and a nursery tax benefit scheme to help you save money. Electric car scheme and cycle to work scheme. Two company retreats a year: we've been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: A learning and development budget for everyone. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse. Useful links: iwoca benefits & policies Interview welcome pack

A leading FinTech company is looking for a Back End Engineer to join their growing team in London. The role involves contributing to complex projects and developing scalable technology solutions. A strong foundation in Python web frameworks and relational databases is essential. The company offers a hybrid work model, competitive salary ranging from £70,000 to £80,000, and numerous benefits, including flexible hours and professional development opportunities.

A leading FinTech company is looking for a Senior Back End Engineer to join their team. This role offers the flexibility for hybrid work or fully remote from the UK. The ideal candidate will possess extensive experience with Python web frameworks and relational databases. You will lead complex projects and architect scalable solutions while contributing to a culture of learning and growth. The company offers a competitive salary between £80,000 and £100,000 along with numerous benefits, including flexible working and extensive professional development opportunities.

Senior Back End Engineer - FinTech Hybrid in London (UK) or Remote within the UK The company Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are. That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed. We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive. The team The Finance Technology team builds and maintains the payment infrastructure and financial data systems that power iwoca's growth. The team partners with the Finance team to build scalable tools and supports other product teams to launch new products with enhancements to the payment infrastructure and financial data systems. As a group of skilled back-end engineers, they work closely with a dedicated Tech Lead and Product Manager, using Agile methods to ship code frequently and solve complex problems together. Four of the team work remotely and three are hybrid, working 1-3 days per week in the London office. The role Responsibility and Autonomy: Lead the delivery of well-defined projects involving many stakeholders and systems. Go beyond the code to develop a deep expertise in the Finance Technology team's domain, understand our core financial products and our stakeholder needs to become a trusted technical advisor to the business. Perform detailed technical scoping and prototyping to support feasibility testing and decision making. Delivery and Collaboration Architect and implement scalable solutions for complex challenges, such as building payment microservices, implementing direct debits, and rearchitecting our reporting technology Translate ambiguous product requirements into clear, actionable technical plans that guide the team's work. Contribute high-quality, production-ready code and foster a collaborative environment by reviewing work, helping to troubleshoot live issues, and writing useful documentation. Learning and Growth: Embrace and demonstrate a growth mindset by sharing new technologies and best practices within the team and across the company. Work with the Tech Lead to improve our development and agile practices, and to help raise the technical bar within the team. The requirements Essential: Extensive experience with Python web frameworks (Django / FastAPI / Flask / Starlette / Ninja). Extensive experience with relational databases, ideally PostgreSQL, but open to MySQL or similar (e.g., MS SQL, Oracle); emphasis is on data integrity. Experienced managing the delivery of complex projects that are implemented by several engineers and leading feature development from 0-1 in a startup, scale-up, or SME environment. A strong technical or mathematical foundation, evidenced by a degree in a quantitative field (Computer Science, Engineering, Physics, Maths or similar) or equivalent professional experience. Proven track record of building and managing complex API integrations (e.g., Payments like Stripe/Braintree, or high-scale integrations in industries like Telecoms, Travel, Ad-Tech, or similar). Bonus: A background in high-logic or high-scale fields like Fintech, Gaming, Healthcare Tech, Logistics, Security/Cryptography, or similar. The salary We expect to pay from £80,000 to £100,000 for this role. But, we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services. The offices We put a lot of effort into making iwoca a great place to work: Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions. The benefits Flexible working hours. Medical insurance from Vitality, including discounted gym membership. A private GP service (separate from Vitality) for you, your partner, and your dependents. 25 days' holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. A one-month, fully paid sabbatical after four years. Instant access to external counselling and therapy sessions for team members that need emotional or mental health support. 3% Pension contributions on total earnings. An employee equity incentive scheme. Generous parental leave and a nursery tax benefit scheme to help you save money. Electric car scheme and cycle to work scheme. Two company retreats a year: we've been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: A learning and development budget for everyone. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse. Useful links: iwoca benefits & policies Interview welcome pack

Data Scientist - Repeats Team Hybrid in London, United Kingdom The company Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are. That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed. We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive. The team The Repeats team is responsible for the lending product strategy and digital user experience of recurring customers. They are responsible for all the product decisions that occur after a customer has taken their first funding. This includes the user journey eligibility and documents requirements and offer terms (such as offered amount or pricing), among other things. The role iwoca's Data Scientists specialise in supervised machine learning, statistical inference and exploratory data analysis, focusing on tabular and time-series data. Their work emphasises quantitative predictions through the analysis of conditional probabilities and expectations, using medium-sized datasets. Your primary focus will be to figure out the best document requirements and offer terms (pricing, amount, duration, additional product features, etc.) to maximise user conversion and value to iwoca. You will look at observational data, identify hypotheses for unknown relationships, figure out their commercial relevance, and design and implement tests to prove or disprove your theory. Strategy and innovation: Work closely with the Repeats team lead and tech leads to identify and quantify opportunities within the customer journey, based on past data or modelled assumptions. Design experiments to compare the performance of different strategies and evaluate them rigorously to make unbiased decisions. Share your findings and modelling with the wider business to impact strategy. iwoca lives and breathes data as a company, so data scientists play an important role in decision making. Ownership and influence: Own some of our monitoring and data pipelines, covering all aspects of existing customers' user journey, and getting the data we need to make informed decisions. Lead the move away from rule based policies towards machine learning approaches to improve predictive accuracy and optimise decision making. Promote analytical rigour within the team, ensuring that our experimental designs are correctly defined and that we evaluate tests without bias. Development opportunities: Join our community of analysts/data scientists/statisticians to ensure alignment in methodology across iwoca. You'll be part of a peer group with whom you can discuss best practices or the latest advances so that you share and deepen your technical expertise Build expertise across the full range of the Repeats funnel, from the user journey to the lending strategy, learning to understand how customers evolve in our complex environment The requirements Essential: Expertise in probability and statistics, gained through work in a quantitative field such as Mathematics, Statistics, Physics, Engineering, or similar Ability to understand business context and translate data into actionable insights that guide decisions Proficiency with data manipulation and modelling tools such as pandas, statsmodels, or R Experience with scientific computing tools such as NumPy or SciPy Ability to work autonomously and manage analytical work from framing the question through to making a recommendation Ability to communicate clearly in writing and speech, adapting technical detail to different audiences Bonus: Understanding of Bayesian statistics, including interest in or experience with hierarchical models Experience building or adapting statistical or machine learning models, with an interest in understanding the underlying methods Familiarity with stochastic modelling concepts as they apply to inference, time series, or uncertainty Understanding of financial concepts such as pricing or loss rates The salary We expect to pay from £60,000 - £80,000 for this role. But, we're open minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services. The offices We put a lot of effort into making iwoca a great place to work: Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and community led groups, including running groups, padel, and monthly ping pong and pool competitions. The benefits Flexible working hours. Medical insurance from Vitality, including discounted gym membership. A private GP service (separate from Vitality) for you, your partner, and your dependents. 25 days' holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. A one month, fully paid sabbatical after four years. Instant access to external counselling and therapy sessions for team members that need emotional or mental health support. 3% Pension contributions on total earnings. An employee equity incentive scheme. Generous parental leave and a nursery tax benefit scheme to help you save money. Electric car scheme and cycle to work scheme. Two company retreats a year: we've been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: A learning and development budget for everyone. Company wide talks with internal and external speakers. Access to learning platforms like Treehouse. Useful links iwoca benefits & policies Interview welcome pack

A financial technology company is seeking a Data Scientist for its Repeats team in London. The role focuses on supervised machine learning and data analysis to optimize lending strategies and enhance user conversion. Candidates should have a strong background in probability and statistics, coupled with proficiency in tools like pandas and R. The salary offers between £60,000 and £80,000 annually and a range of benefits including flexible working hours and professional development opportunities.

A growing financial technology company in London is seeking a Senior IT Engineer to proactively improve its IT infrastructure. The candidate will focus on high-impact projects, enhancing security and automation while leading IT projects. Experience in managing diverse endpoint environments and scripting for automation is essential. The role offers a competitive salary of £55,000-£75,000, flexible working options, and a culture of learning and support.

Senior IT Engineer Hybrid in London, United Kingdom We're looking for a Senior IT Engineer. This role offers a rare opportunity to focus on proactive strategy, not reactive support. You will focus on high impact project work that addresses the strategic challenges of a fast growing business. You will enhance our infrastructure, security, and automation, designing and building reliable systems that scale with us. The company Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are. That's why we built iwoca. Our smart technology, data science and five star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed. We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive. The team The IT team supports more than 650 staff members between four offices in the UK and Germany. We partner with the wider business to provide technical solutions that help iwoca achieve its goals. To support this, team members continually develop expertise in key areas, including networking, security, and cloud based solutions. Team members work from the London office 2-3 times a week to provide continuous in person support, and we meet regularly to catch up on work and organise priorities. Every quarter, the team socially catch up with a social/fun event. The role This is a senior and technical role that's all about proactive improvement, not reactive ticket solving. It's an opportunity for an experienced IT Engineer to step away from the day to day support queue and focus on higher impact projects to enable company growth. You will enhance iwoca's infrastructure, security, and automation. You will tackle complex technical challenges, evaluate feature requests from across the company, and enjoy the freedom to design and deploy reliable, scalable IT systems. Your work will also empower our dedicated IT support team to provide the kind of assistance our users want to receive. System ownership and project delivery Lead and contribute to IT projects from conception to completion, working with stakeholders across the business to deliver robust and scalable solutions. Define, enforce, implement, and report on security standards across all end user devices (Windows, macOS, Linux) and our SaaS portfolio. Ensure robust monitoring, logging, and reporting are in place for all critical IT infrastructure and cloud assets. Process innovation and automation Identify and automate repetitive manual tasks within IT operations using code, APIs, and scripting to reduce human error and improve efficiency. Actively research, propose, and implement new technologies and processes that will elevate the capabilities and maturity of our IT function. Create and maintain high quality documentation for all adopted technologies and processes, ensuring knowledge is shared effectively within the team. The requirements Essential: End user computing: Strong experience managing and securing diverse endpoint environments (Windows, macOS, and Linux). Networking: A solid background in networking principles and hands on experience with modern WAN, remote access, and Wi Fi solutions. Security and observability: Practical experience with security and monitoring technologies such as osquery, SNMP, or other log monitoring solutions. Automation: Proven ability to automate tasks using scripting languages such as Python, PowerShell, or Bash, exposure to automation and orchestration platforms. DevOps tools and methodologies: Experience with Infrastructure as Code (Terraform) and version control (Git). Bonus: Cloud experience: Familiarity with Google Cloud Platform (GCP) or AWS. Governance standards: Familiarity with standards such as ISO27001, Cyber Essentials, and the NIST Cybersecurity framework. The salary We expect to pay from £55,000-£75,000 for this role. But, we're open minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services. The offices We put a lot of effort into making iwoca a great place to work: Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and clubs, like bingo, comedy nights, football, etc. The benefits Flexible working hours. Medical insurance from Vitality, including discounted gym membership. A private GP service (separate from Vitality) for you, your partner, and your dependents. 25 days' holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. A one month, fully paid sabbatical after four years. Instant access to external counselling and therapy sessions for team members that need emotional or mental health support. 3% Pension contributions on total earnings. An employee equity incentive scheme. Generous parental leave and a nursery tax benefit scheme to help you save money. Electric car scheme and cycle to work scheme. Two company retreats a year: we've been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: A learning and development budget for everyone. Company wide talks with internal and external speakers. Access to learning platforms like Treehouse.