iwoca Ltd

Tech Lead MLOps - Decision Technology Hybrid in London / 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 Credit Risk team builds and maintains the technology and models that determine who iwoca lends to, how much, and on what terms. Their work covers credit scoring, scorecard development, approval thresholds, and portfolio monitoring - all working to maximise lending volume without taking on disproportionate risk. The team has nine data scientists, four engineers, and two strategy analysts. The data scientists analyse past data and make the models; the engineers build and maintain the supporting infrastructure; and the strategy analysts translate model outputs into lending decisions. The role As Tech Lead, you'll be responsible for the engineering systems that underpin Credit Risk modelling at iwoca. You'll focus on the platform, pipelines, and production systems around the models, rather than building models yourself. This is a hands-on technical leadership role, combining technical direction, line management, and individual contribution. Technical leadership Lead four engineers working on the modelling platform and surrounding systems; help the team deliver high-quality solutions. Raise engineering standards across modelling systems and infrastructure, with a focus on reliability, observability, reproducibility, and safe change. Set technical direction by understanding adjacent systems, workflows, and constraints to identify the right problems to solve at the right time. Individual contribution Stay hands-on in the codebase, especially when the team is dealing with ambiguity, cross-system complexity, or problems without an obvious owner. Lead by example in how problems are approached and how rigour is balanced with speed of delivery. Contribute directly to the systems that matter most, making pragmatic changes that reduce friction, strengthen the platform, and improve reliability in production. Work that matters Engineering decisions in this area directly affect the accuracy of our credit decisions and the volume of lending iwoca can responsibly support. Better infrastructure leads to faster experimentation and better models Help the team to work faster and with more confidence in the platform. Work with data scientists and strategy analysts to maintain the feedback loop between analysis, strategy and engineering. The requirements Essential: Advanced proficiency in software development. Experience building and shaping large systems in complex business domains. Experience building robust systems where the product is high-quality data and you can speak the language of analysts and data scientists. Confidence to work closely with partners from other disciplines to challenge assumptions and discover underlying problems. Demonstrable leadership skills: you have mentored juniors and inspired teams to deliver cross-functional projects. You can balance hands-on coding with strategic planning. You use AI (like Cursor, Claude Code or similar) in your daily flow-whether for work or for fun. You use it to blast through boilerplate and research, so you can focus on the hard parts: complex architecture, rigour, and high-stakes decision-making. Bonus: A strong numerical or technical background, ideally with a degree in physics, engineering, maths, computer science or a related field Experience building and maintaining analytics systems Experience with Python, Snowflake, or PostgreSQL Experience working on feature-management systems such as feature services or features stores An understanding of complex data systems, including event-sourced data models The salary We expect to pay from £100,000 - £160,000 for this role. But, we're open-minded, so definitely include your salary goals with your application. The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. 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

Tech Lead - Decision Technology Hybrid in London / 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 Credit Risk team builds and maintains the technology and models that determine who iwoca lends to, how much, and on what terms. Their work covers credit scoring, scorecard development, approval thresholds, and portfolio monitoring - all working to maximise lending volume without taking on disproportionate risk. The team has nine data scientists, four engineers, and two strategy analysts. The data scientists analyse past data and make the models; the engineers build and maintain the supporting infrastructure; and the strategy analysts translate model outputs into lending decisions. The role As Tech Lead, you'll be responsible for the engineering systems that underpin Credit Risk modelling at iwoca. You'll focus on the platform, pipelines, and production systems around the models, rather than building models yourself. This is a hands on technical leadership role, combining technical direction, line management, and individual contribution. Technical leadership Lead four engineers working on the modelling platform and surrounding systems; help the team deliver high quality solutions. Raise engineering standards across modelling systems and infrastructure, with a focus on reliability, observability, reproducibility, and safe change. Set technical direction by understanding adjacent systems, workflows, and constraints to identify the right problems to solve at the right time. Individual contribution Stay hands on in the codebase, especially when the team is dealing with ambiguity, cross system complexity, or problems without an obvious owner. Lead by example in how problems are approached and how rigour is balanced with speed of delivery. Contribute directly to the systems that matter most, making pragmatic changes that reduce friction, strengthen the platform, and improve reliability in production. Work that matters Engineering decisions in this area directly affect the accuracy of our credit decisions and the volume of lending iwoca can responsibly support. Better infrastructure leads to faster experimentation and better models. Help the team to work faster and with more confidence in the platform. Work with data scientists and strategy analysts to maintain the feedback loop between analysis, strategy and engineering. The requirements Essential Advanced proficiency in software development. Experience building and shaping large systems in complex business domains. Experience building robust systems where the 'product' is high quality data and you can 'speak the language' of analysts and data scientists. Confidence to work closely with partners from other disciplines to challenge assumptions and discover underlying problems. Demonstrable leadership skills: you have mentored juniors and inspired teams to deliver cross functional projects. You can balance hands on coding with strategic planning. You use AI (like Cursor, Claude Code or similar) in your daily flow-whether for work or for fun. You use it to blast through boilerplate and research, so you can focus on the hard parts: complex architecture, rigour, and high stakes decision making. Bonus A strong numerical or technical background, ideally with a degree in physics, engineering, maths, computer science or a related field. Experience building and maintaining analytics systems. Experience with Python, Snowflake, or PostgreSQL. Experience working on feature management systems such as feature services or features stores. An understanding of complex data systems, including event sourced data models. The salary We expect to pay from £100,000 - £160,000 for this role. But, we're open minded, so definitely include your salary goals with your application. 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. A learning and development budget for everyone. Company wide talks with internal and external speakers. Access to learning platforms like Treehouse.

Iwoca Ltd is seeking a Tech Lead for Decision Technology to guide the engineering systems that underpin Credit Risk modelling. This hybrid role allows you to work from London or remotely in the UK and is suited for a hands-on leader. The successful candidate will lead a team of four engineers, ensuring the delivery of high-quality solutions while enhancing infrastructure for better decision-making. We expect a salary ranging from £100,000 to £160,000 based on experience.

Web Designer - Marketing Hybrid in London 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 Website team sits within the Brand team and is part of the wider Direct Acquisition team, which also includes Sales and Performance Marketing. The Brand team is relatively new and is tasked with ensuring we show up consistently, with authority and credibility. It's also responsible for creating demand at the top of the funnel, as well as empowering marketing, sales, and the wider business. The role We're looking for an experienced web designer to own and steward the visual identity of our public facing website, ensuring it looks great, showcases our brand, supports our marketing strategy, and reflects our position as one of the UK's leading fintechs. You'll be responsible for bringing our brand to life online. You'll manage and evolve our website design system, while also designing ad hoc layouts, pages and graphics. We use Webflow to build and manage our website, so you will be expected to become proficient using this platform. However, you don't necessarily need direct experience with Webflow - existing HTML and CSS skills will be most useful here. Drive our site's visual identity Design and implement reusable components and page templates that empower other team members to create their own pages Get into the nitty gritty of our design system, making key decisions on everything from fonts to layouts Lead on elevating and upholding our brand narrative Collaboration and growth Bring our new products and ventures to market, working with teams across the business to tell their story Work with analysts to uncover quantitative and qualitative insights that inform design decisions Tap into the community of iwoca designers and frontend engineers to work on solutions and develop your skillset Example projects Designing a high impact page for an ad campaign Building a new reusable page component for marketers to add to their landing pages Creating compelling data visualisations for a press release Using customer research to design a new calculator Requirements You apply core design principles confidently and creatively You have a good understanding of HTML and CSS You have a systematic approach to design, and enjoy making things organised and structured You can balance commercial, resource and technical constraints You actively experiment with AI in your design and implementation workflows, whether that's through AI assisted development (Claude Code, Codex, or similar), AI powered design tools (Figma, MCP or similar), or both. We're looking for someone who's curious about how AI changes design engineering and can help drive adoption across the team. Bonus Strong Figma knowledge Experience building and maintaining websites in Webflow Experience developing a design system Basic JavaScript or TypeScript knowledge Experience using animation in design Experience working in the B2B or finance space The salary We expect to pay from £50,000 - £80,000 for this role. But we're open minded, so definitely include your salary goals with your application. The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. The offices 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. Learning & Development 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

Iwoca Ltd in Greater London seeks an Analytics Engineer to transition their analytics warehouse to Snowflake and improve ETL/ELT processes. You will work closely with analysts, data scientists, and engineers to enhance the data infrastructure, ensuring data quality and reliability. The ideal candidate has robust experience in analytics engineering, strong SQL and Python skills, and familiarity with modern data practices. A supportive culture and numerous benefits are offered, including flexible hours and a learning budget.

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 You'll join the Core Systems team, who are responsible for driving innovation across the business by optimising development, building data systems, and continuously improving iwoca products. We follow Agile-inspired processes, using continuous integration and delivery, so that features go live in days or weeks, not months or years. The role We are in the process of transitioning our entire analytics warehouse to Snowflake, from a federated SQL system to improve reliability and speed of accessing our wide data ecosystem. We run a variety of time consuming ETL tasks using libraries such as NumPy, Scikit-learn, Pandas, and view/tables from a variety of relational databases. The aim is to integrate and transition all to a single data warehouse using Snowflake and dbt. We are looking for someone who has a solid amount of experience in analytics engineering, who can advise and implement high quality and reliable ETL/ELT processes to bridge the gap between data engineering and analytics. Who will collaborate with analysts, data scientists and engineers to deliver and improve our data warehouse and processes. You will have the opportunity to learn lots and develop rapidly, with the ability to influence critical data infrastructure. We are embarking on a transition to a data mesh operating model and are looking for a proactive, self-motivated individual to help drive this change. The successful candidate will identify opportunities to improve data processes, enable self-service access across the organisation, and design the governance frameworks and guardrails required to ensure data quality, security, and consistency. The responsibilities Develop, construct, test and maintain ETL/ELT infrastructure. Implement robust data testing frameworks in dbt to monitor and ensure data quality and integrity. Enable product teams to self-serve data more effectively, empowering them to make faster, more informed decisions. Influence and shape the monitoring, observability, and reliability strategy for the data warehouse, ensuring high availability, performance, and data quality. Partner with analysts, data scientists, and business stakeholders to understand data requirements and deliver actionable solutions. Troubleshoot emerging data and operational problems, and be a source of knowledge for end-users on the most appropriate way of using data for their purposes. Support your teammates by learning and sharing your knowledge. Drive knowledge sharing and capability building through mentoring, coaching, and the creation of educational resources and best practices. The requirements Essential: Experience in implementing reliable and performant ETL/ELT pipelines. Experience with version control systems (e.g., Git) for dbt project management. Knowledge of CI/CD pipelines for analytics workflows. Experience with programming languages such as Python. Familiarity with data governance practices and frameworks. Professional experience in analytics engineering / data analytics. Solid understanding of SQL with hands on experience with dbt and Snowflake. Comfortable implementing custom (in-house) data solutions where off-the-shelf products are unavailable or unsuitable. Bonus: Advanced LookML knowledge. Experience using Pandas (TensorFlow, Scikit-learn, Matplotlib). DevOps practices Docker and Kubernetes. Understanding of data science concepts. Professional experience or a degree in a quantitative field, such as Mathematics, Physics, Engineering, or Computer Sciences. The salary We expect to pay from £70,000 - £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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. 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.

Iwoca Ltd is seeking an experienced Web Designer to manage and evolve the visual identity of its website while ensuring alignment with our marketing strategy. This hybrid role in London offers a salary range of £50,000 to £80,000. Successful candidates will possess strong HTML and CSS skills, a systematic approach to design, and experience with design systems. They will work alongside our talented team to bring innovative design solutions to life and support our mission to aid SMEs.

Iwoca Ltd is seeking a Tech Lead for MLOps to join our team in London, with hybrid working options available. In this pivotal role, you will oversee the engineering systems crucial for Credit Risk modelling, ensuring both technical leadership and individual contributions to production systems. The candidate should possess strong software development skills, proven leadership experience, and familiarity with AI tools. The salary for this position is between £100,000 and £160,000, depending on experience and qualifications. The company offers flexible working hours, comprehensive medical insurance, and a range of additional benefits that support professional growth.

Iwoca Ltd is seeking a Lead for their Acquisition Strategy and Tech team based in Greater London. This role involves leading a high-performing team focused on driving acquisition and activation outcomes in the German market. The ideal candidate will possess a strong commercial mindset, fluency in German, and experience in growth strategy. Iwoca offers flexible working, medical insurance, and a learning and development budget among its perks.

A leading finance technology company is seeking a Data Analyst for Strategic Comms in London. This role entails analyzing data for public policy insights, translating complex data into clear narratives, and collaborating with various teams. The ideal candidate will have strong skills in Python and SQL, a degree in a quantitative field, and an interest in small businesses. The position offers competitive benefits and a dynamic work environment.

Data Analyst - Strategic Comms 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 £4.5 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 As the Research Analyst for the Strategic Communications team, you will build iwoca's evidence base for public policy arguments. You'll become the expert on what iwoca's data can tell us about our impact - on customer outcomes, business survival, pricing, and the wider economy - and translate that into compelling materials for policymakers, journalists, and senior stakeholders. You'll work alongside our comms team and report to the Director of Strategic Communications, with regular interaction with iwoca's executive team. The role sits at the intersection of data, policy, and communications and collaborates with Risk, Product, Operations, Finance, and Investor Relations to extract insights and translate them into materials that shape how iwoca is understood externally. There's a clear career trajectory here. With time, you could build a new research function, or you might discover that you love the communications and become a data-driven PR professional. Either way, you'll have the opportunity to shape the role and take on real responsibility from day one. The responsibilities Extract and analyse data from iwoca's loan book, loss rates, customer outcomes, and pricing distributions to uncover insights that support our public positioning. Build and maintain briefing packs on key topics: business survival rates, pricing, personal guarantees, automation, and regulatory impact. Translate complex data into clear, defensible documents with key statistics, talking points, and visualisations for non-technical audiences. Coordinate with external research partners (e.g. Capital Economics) - preparing data packages, briefing them on our business, and quality-assuring their outputs. Work with Comms to respond rapidly to media or policy inquiries - producing accurate data when inbounds come in. Publish work and write data-driven content for iwoca's website, supporting marketing lead generation, media and investor relations. Support the Comms team on existing data-driven PR initiatives such as our SME Expert Index and Business Hotspots research. Run a quarterly review process with senior stakeholders to identify emerging concerns and commission new analysis. The requirements Comfortable working with raw data in Python or SQL, including cleaning, transforming, and visualising datasets to uncover insights Demonstrates curiosity to use and learn more about AI tools. You'll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use. Use AI tools to explore data, generate insights, and improve workflows, with a focus on accuracy and analytical rigour. Strong analytical skills with a structured approach to problem-solving - you're curious, methodical, and comfortable getting to the root of a messy or ambiguous question An excellent communicator - you can take complex data and translate it into simple, compelling narratives for colleagues in comms, policy, or the executive team. Self-starting and adaptable - able to work independently in a fast-paced environment where priorities can shift quickly Comfortable moving between strategic thinking and hands-on execution - whether it's investigating a data anomaly or presenting findings to senior leadership Academic or practical experience in a quantitative field, such as Economics, Finance, Product, Maths, Engineering, or Computer Science Previous experience in a role involving data analysis and AI - whether in consulting, policy, finance, journalism, or a research setting. Salary is flexible based on experience. An interest in small businesses and the policy debates around SME finance - you don't need to be an expert, but you should be curious about the space. Nice to have Experience working in or with government, regulators, think tanks, or policy teams Familiarity with economic impact modelling or econometric analysis Experience producing research for external publication or media use Understanding of UK financial services regulation or the alternative lending market The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. The offices We put a lot of effort into making iwoca a brilliant place to work: Offices in London, Leeds, Berlin and Frankfurt with plenty of drinks and snacks Events and clubs, like bingo, comedy nights, yoga classes, football, etc. The benefits Medical insurance from Vitality, including discounted gym membership A private GP service (separate from Vitality) for you, your partner, and your dependants. 25 days' holiday, 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 emotional and mental health support. 3% Pension contributions and share options. Generous parental leave and a nursery tax benefit scheme to help you save money. Cycle-to-work scheme and electric car 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.

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 Acquisition Strategy and Tech team is the integrated growth engine for iwoca in Germany. We bridge the gap between high-level commercial strategy and the technical systems that power our customer journey. By combining growth analytics, performance modeling, and full stack engineering, we own the end to end acquisition funnel - from the very first touchpoint to a completed loan application. Our Core Focus: Strategic Growth & Analytics: We serve as the central hub for our Direct Marketing and Sales channels. We translate complex data into actionable strategies, ensuring our outreach is both scalable and profitably managed. Technical Infrastructure: We build and maintain the proprietary systems and models that drive our German operations. This includes optimizing the User Experience (UX) to ensure a frictionless onboarding process for small businesses. Operational Excellence: We connect the dots between data driven decision making and real world commercial impact. Our mission is to ensure every potential customer receives a clear, relevant, and rapid understanding of how iwoca can fund their business. We are a fast moving, cross functional unit designed to turn strategic hypotheses into measurable results. Whether it's refining a marketing model or shipping a new feature in the application journey, we ensure that iwoca's expansion in the German market is backed by robust tech and a clear commercial North Star. The role This role sits at the intersection of commercial strategy, data, and technology. Reporting into the Head of Direct Acquisition, you will lead a high performing, interdisciplinary team of three and own acquisition and activation outcomes for the German market. Your primary objective is to co define the growth strategy and partner closely with engineering and data teams to build the systems, onboarding journeys, and experiments that bring that strategy to life. The scope of this role is broad and we're not looking for someone with deep expertise in every domain the team covers - spanning strategy, analytics, product development, and data science - but rather someone intellectually curious, and skilled at asking the right questions. You'll define hypotheses, lead cross functional initiatives, and own the roadmap for how iwoca engages with German businesses. You will be accountable for measurable impact on acquisition and conversion, bringing ideas to life through rigorous commercial insight, strong customer empathy, and practical delivery. As a Lead, you will also be responsible for coaching your team and establishing the operating rhythm for this new unit. Market and problem understanding Deeply understand the German SME lending landscape, customer needs, and competitive context to sharpen our go to market strategy. Translate market and customer insight into clearly defined product problems and prioritised commercial opportunities. Inform targeting and segmentation strategies to help Marketing and Sales reach the right customers. Product build and optimisation Own the roadmap for acquisition and onboarding, working with engineers and data scientists to develop tools such as lead scoring systems, eligibility checkers, and onboarding journeys. Work with marketing and sales to evolve website content, sign up flows, and decisioning logic to increase conversion. Influence future team capability by helping define priorities, roles, and processes as we scale. Experimentation and insight Design, run, and interpret A/B tests across messaging, targeting, onboarding tools, and product flows. Identify opportunities using first principle reasoning supported by data, customer research, and funnel analysis. Cross functional collaboration Manage, coach, and develop a team of at the beginning two commercial strategy analysts and a data scientist focused on acquisition strategy and operational excellence. Lead cross functional initiatives, aligning engineering, data, marketing, and commercial stakeholders around clear goals, hypotheses, and success metrics. Translate high level business goals into testable hypotheses and actionable briefs for our technical teams. Help establish the operating rhythm, rituals, and roadmap processes for this new team. The requirements Essential Strong commercial mindset with proven experience driving go to market strategy and measurable acquisition growth. Experience in growth strategy, revenue operations, or a highly analytical commercial role with a track record of driving tech enabled or product led growth. Proven people management or team leadership experience, with the ability to build culture and establish operating rhythms in a newly formed team. Fluency in German and strong written communication skills tailored to customer facing environments. Strong analytical capability and experience with experimentation frameworks and A/B testing tools. Experience working with (or a strong desire to learn about) technical models such as lead scoring, predictive targeting, or qualification logic. Ability to work from first principles and thrive in ambiguity with curiosity and autonomy. Bonus Experience in fintech, lending, B2B SaaS, or regulated products. Experience working closely with engineering, product, or data science teams to ship features or models. Knowledge of the German SME ecosystem or B2B financial products. The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. The offices 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. Learning & development 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

Iwoca Ltd seeks a Technical Writer to join their Knowledge Management team based in Greater London. In this role, you will maintain and enhance documentation that is widely utilized across the company and impacts daily operations. The ideal candidate should have over 5 years of technical writing experience, proficiency with Git, and the ability to influence teams to adopt new practices. Excellent benefits including flexible working hours, medical insurance, and a one-month sabbatical after four years are provided.

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 Knowledge Management team maintains iwoca's internal documentation - the Handbook - used by developers, analysts, product managers, and increasingly by the wider company. The project is four years old and has around 60 monthly contributors from across the business. The team has two other technical writers: you'll be the third. The documentation scope is expanding. iwoca is launching products on new, separate architectures - which means documentation can be better structured from the start. An internal AI chat uses the Handbook as its knowledge base, so well-organised content has a direct, visible impact on how the whole company finds information. There are also active projects to bring operations and people documentation into the Handbook. The Knowledge Management team is part of Core Systems, which provides the tools, infrastructure, and shared services that product-focused development teams rely on. There are ten more engineers in Core Systems, working in groups that focus on DevOps, data systems, and systems architecture. The team is mostly remote, with a daily virtual meeting, quarterly team meals in London, and company parties twice a year. The role Impact The current documentation is aimed at developers, yet half the company reads the Handbook each month and a third use it every day. About half of iwoca's developers contribute to it in any given month. The documentation you maintain and improve has a daily, visible effect on how people work - this is not documentation that sits on a shelf never to be read. An internal AI assistant uses the Handbook as its knowledge base, so the quality and structure of what you write directly determines how well the whole company can find answers. Document new products from day one, setting the standard before complexity accumulates. Ownership Run documentation migration projects end-to-end: scope what needs to move (and improve), get buy-in from the team that owns it, and deliver it - from operations documentation to people documentation and beyond. Choose your work based on impact. You decide when to raise the bar and when documentation is finished. Influence Shape how new departments adopt the Handbook. Work with teams that have never used Git, explain why their knowledge belongs in the Handbook, and either run the migration for them or support them doing it themselves. Mentor another technical writer - raise their standard by reviewing their work, sharing approaches, and role modeling how to run projects independently. Advocate for culture change: the documentation practices that worked for a startup of humans do not serve a scale-up of AI builders. You'll help iwoca recognise that and adapt. The requirements Essential 5+ years of experience writing or editing technical documentation. Proficiency with Git - you'll use it daily and help others learn to use it. Experience running documentation projects end-to-end: scoping, stakeholder buy in, and delivery. Experience influencing teams outside your own to adopt new practices or ways of working. Experience using AI tools to scale editorial and documentation work - not just writing assistance, but directing AI for reviews, migration tasks, and workflow automation. Bonus Experience documenting financial services or lending. Programming experience (Python, shell scripting). The ability to influence people in different teams who have competing incentives. The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. 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.

Data Scientist - Partner Flow Hybrid in London, United Kingdom We're looking for a Data Scientist to join the Partner Flow team You'll own experimentation and analytics for iwoca's partner channel - fintechs and platforms that embed iwoca lending in their own products. The analytical approach is still being built, and the scope to shape it is wide. 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 Partner Flow owns the customer journey from the moment someone starts an application on a partner platform through to a completed credit assessment. By making the application process as smooth as possible and collecting the data needed for a credit decision efficiently, the team maximises the number of partner-referred customers that receive an offer. The team works across the full application stack - from the APIs partners use to integrate iwoca, through to the experience customers see when they apply. The team is small and cross-functional, combining data science, engineering, design, and product. Active projects include: Pre-qualification - testing how showing customers an offer before they apply affects conversion and long term value Credit card strategy - iwoca recently launched a credit card alongside its flexi-loan; the team is working out which product, or combination, to offer which customers Funnel optimisation - identifying and reducing the biggest points of friction across the partner journey The role You'll design experiments, model customer behaviour and analyse large data sets across the partner funnel, and turn findings into product and strategy decisions. The analytical approach is still being shaped - you'll influence how it develops, not just what it produces. The work has direct commercial consequences - on partner platforms, iwoca competes for attention alongside other lenders, and what this team builds and tests affects which customers convert and on what terms. You'll work closely with commercial, strategy, and product colleagues across the business. Experimentation and causal inference. You'll design and analyse experiments where careful randomisation and interpretation are critical. You'll need to know where standard A/B testing breaks down and what to reach for instead. The problems are consequential: measuring how pre-qualification affects Customer Lifetime Value (CLTV), and understanding how different products interact when offered to the same customer base. Funnel and competitive strategy. You'll analyse the full partner-referred customer journey - from application through to credit assessment - identifying where conversion breaks down and why. On partner platforms, iwoca is positioned alongside competitors, so you'll also figure out what makes customers choose iwoca over the alternatives, and how to shift those dynamics in our favour. Commercial translation. You'll be directly involved when decisions get made - not handing off analysis to be interpreted by someone else. You'll work with commercial and strategy colleagues and coordinate with adjacent teams to make sure the tests and policies you run fit together with their ongoing work. AI and ways of working. You'll use AI to accelerate and automate your analytical work. The team treats this as a lever for increasing its rate of learning. You'll be expected to have a view on where it helps and where it doesn't. The requirements Essential: Statistical foundations. Strong grounding in probability and statistics, with an understanding of Bayesian reasoning and experience applying hierarchical modelling or decision-making under uncertainty. Causal inference. Experience separating signal from noise in observational and experimental data.Business translation. Ability to understand commercial context and translate data into actionable insights that guide decisions - not just produce analysis, but land it with people who act on it. Data tooling. Proficiency with data manipulation and modelling tools. Analytical ownership. Comfortable owning ambiguous problems end-to-end - from framing through modelling to influencing decisions. AI fluency. Experience with and a passion for using AI to accelerate and automate analysis and model building. Communication. You write and speak clearly, adapting technical detail to different audiences. Bonus: Modelling depth. Experience building or adapting statistical or ML models, with an interest in understanding what's happening underneath Stochastic methods. Familiarity with stochastic modelling concepts as they apply to inference, time series, or uncertainty. Funnel and marketplace experience. Experience with conversion funnel analysis or marketplace dynamics where you're competing for attention alongside competitors. Python. You work primarily in Python. If your background is R or another language, that's fine - but Python is what the team uses day to day. Market curiosity. You want to understand how the partner lending market actually works - what makes a partner choose iwoca over a competitor, and what makes a customer convert. The salary We expect to pay from £70,000 - £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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. 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

Iwoca Ltd is seeking a Data Scientist to join the Partner Flow team in London. This hybrid role involves owning experimentation and analytics for iwoca's partner channel, focusing on fintech collaborations. The candidate will work to shape analytical approaches, design experiments to analyze customer behavior, and translate findings into strategic decisions. A strong grounding in statistics and experience with data modelling tools are essential for optimal performance in this role.