iwoca

Head of Data Science Hybrid in London, United Kingdom We're looking for a Head of Data Science You'll lead multiple data science teams whose work guides decision-making across lending, product, operations, and strategy. You'll shape how we work, ensuring that analytical insight directly influences the choices that matter most at iwoca. 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 iwoca's data scientists build probabilistic and statistical models that make lending decisions in real time, support forecasting and shape commercial strategy. Their work is deployed in production code and makes real-time lending decisions; it's more than exploratory analysis. Successfully leading iwoca's data science teams will require close collaboration with engineering, product, and commercial teams. The role As the Head of Data Science, you'll lead a group that focuses on rigorous, interpretable, and commercially useful modelling that is deployed, monitored, and maintained in production. You'll set direction, shape team structure, and ensure the function's work is grounded in commercial context and used by decision-makers across iwoca. The group has approximately 25 data scientists, with most working in a central team and some smaller groups aligned to specific products or domains. You'll report to one of iwoca's co-founders, who is also a data scientist. Strategic direction You'll work with the team leads and senior data scientists who coordinate day-to-day work. You'll help them plan, sequence, and review projects and maintain consistent standards of reasoning, communication, and methodology. You'll help the teams decide where and how to apply their efforts - identifying where modelling adds value and where a lighter heuristic approach could be more effective. Technical and people leadership You'll oversee hiring and development, ensuring assessment, progression, and knowledge-sharing are fair, structured, and suited to a growing multi-team environment. You'll shape how data science is applied at scale - how uncertainty is communicated, how analytical support is allocated, and how the function directs its effort to the highest-value work. Collaboration with engineering and business teams You'll coordinate with Engineering, Product, and Operations teams so that projects are properly scoped, resourced, and aligned with wider priorities. You'll represent the function in discussions that shape lending, risk, and product decisions by explaining assumptions, highlighting risks, and helping senior stakeholders act on analytical insight. The requirements Essential Strategic leadership: You have experience setting data science strategy and aligning work with commercial goals. You can translate technical modelling for senior stakeholders, make assumptions explicit, and shape the decisions that follow. Production experience: You have managed the full lifecycle of models in production - deploying, monitoring, and retiring them. You are comfortable coordinating chains of model dependencies across different teams. Commercial acumen: You understand how modelling supports business decisions and know when to make trade-offs between depth, delivery time, and value. Team development: You have a track record of hiring and developing data scientists, and establishing consistent standards for planning, peer review, and methodology. Technical background: You have a background in probability, statistics, or a related quantitative field such as mathematics or physics and can evaluate analytical work for conceptual soundness. Bonus Experience shaping an R&D or modelling agenda, including probabilistic or long-term forecasting work Experience in domains such as credit risk, lending, or customer lifetime value Experience representing a data science function externally (for example, industry events or publications) The salary We expect to pay from £120,000 to £170,000 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 Useful links iwoca benefits & policies Interview welcome pack.

A leading fintech company in London seeks a Head of Data Science to lead multiple teams guiding strategic decisions across lending, product, operations, and more. The ideal candidate will have strong leadership experience, production management skills, and a technical background in quantitative fields. The role includes shaping the function's direction, ensuring collaboration with engineering and product teams, and applying analytical insights at scale. Competitive salary offered for the right candidate.

Front end developer - New Ventures Hybrid in London, United Kingdom We're looking for a Front End developer to join the New Ventures team We're looking for a frontend-focused Full Stack Engineer to design and build the intuitive, high-performing experiences and services that power Credit Compass, helping small businesses understand, monitor and improve their credit health. The company Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we've provided billions in funding to more than 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need - often within minutes. The team The New Ventures team is responsible for helping small businesses understand, monitor, and improve their credit health by turning complex financial data into clear, actionable insights. The team owns the product end-to-end, from integrating data sources and shaping scoring logic through to designing the dashboards, journeys, and nudges that keep customers coming back. It is a cross-functional team of front-end and back-end engineers, product, design, and analytics, working closely together to run experiments, ship iteratively, and collaborate with other iwoca teams to share data and infrastructure The role As a front end engineer in the New Ventures retention squad, you'll help turn complex financial data into clear, trustworthy experiences that small business owners want to come back to every month. You'll work across the stack with a particular focus on our dashboards and journeys, shaping how customers monitor their business health, understand their credit position, and decide what to do next. Impact on customers Build and ship user-facing features on our roadmap - such as Monitoring, Cashflow Analysis and Spend Benchmarking - that make Credit Compass a habit, not a one off tool. Turn raw Open Banking, credit bureau and internal data into clear, accurate visualisations, explanations and nudges that help customers take confident next steps and stay engaged with iwoca. Ownership and delivery Own features end-to-end: from scoping and technical design through to implementation, rollout, and iteration based on what we learn. Maintain and improve the core systems behind Credit Compass, ensuring dashboards, scores and data integrations stay fast, reliable and easy to extend as the product and Retention team grow. Monitor and debug production issues, quickly identifying and fixing problems to protect user trust and product performance. Collaboration and experimentation Partner closely with Product, Design and Data to shape solutions that balance impact, effort and scalability, using experiments and metrics to guide decisions about customer retention. Contribute to squad rituals - from planning and estimation to retros - sharing context, surfacing risks and helping the team adapt as priorities evolve (for example, moving from core retention work into early monetisation experiments). Craft and tooling Write clean, well-tested code TypeScript/React, and take part in code reviews to keep quality high across the codebase. Improve internal tools and CRM integrations that help us respond to user behaviour more quickly and reduce manual work for the wider team. The requirements Significant experience as a software engineer working across the stack, with strong front-end skills in React/TypeScript. Confidence working with data-rich products - for example, querying relational databases and integrating third party APIs. Strong communication skills, with the ability to translate business and customer needs into clear, effective technical solutions. A product mindset: you care about outcomes over outputs, are comfortable working with experiments and metrics, and enjoy collaborating closely with Product, Design and Data. Bonus Experience building and maintaining back-end services in Python, ideally with Django, including designing and consuming API endpoints. Experience building dashboards, analytics tools, or other products that help users understand and act on data. Familiarity with integrating complex external services (e.g. Open Banking, credit bureaus). A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience. 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 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 Useful links: iwoca benefits & policies Interview welcome pack.

Full stack developer - Credit Compass Hybrid in London, United Kingdom We're looking for a full stack developer to join the Credit Compass team We're looking for a frontend-focused Full Stack Engineer to design and build the intuitive, high-performing experiences and services that power Credit Compass, helping small businesses understand, monitor and improve their credit health. The company Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we've provided billions in funding to more than 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need - often within minutes. The team The Credit Compass team is responsible for helping small businesses understand, monitor, and improve their credit health by turning complex financial data into clear, actionable insights. The team owns the product end-to-end, from integrating data sources and shaping scoring logic through to designing the dashboards, journeys, and nudges that keep customers coming back. It is a cross-functional team of front-end and back-end engineers, product, design, and analytics, working closely together to run experiments, ship iteratively, and collaborate with other iwoca teams to share data and infrastructure. The role As a full stack engineer in the Credit Compass retention squad, you'll help turn complex financial data into clear, trustworthy experiences that small business owners want to come back to every month. You'll work across the stack with a particular focus on our dashboards and journeys, shaping how customers monitor their business health, understand their credit position, and decide what to do next. Impact on customers Build and ship user-facing features on our roadmap - such as Monitoring, Cashflow Analysis and Spend Benchmarking - that make Credit Compass a habit, not a one-off tool. Turn raw Open Banking, credit bureau and internal data into clear, accurate visualisations, explanations and nudges that help customers take confident next steps and stay engaged with iwoca. Ownership and delivery Own features end-to-end: from scoping and technical design through to implementation, rollout, and iteration based on what we learn. Maintain and improve the core systems behind Credit Compass, ensuring dashboards, scores and data integrations stay fast, reliable and easy to extend as the product and Retention team grow. Monitor and debug production issues, quickly identifying and fixing problems to protect user trust and product performance. Collaboration and experimentation Partner closely with Product, Design and Data to shape solutions that balance impact, effort and scalability, using experiments and metrics to guide decisions about customer retention. Contribute to squad rituals - from planning and estimation to retros - sharing context, surfacing risks and helping the team adapt as priorities evolve (for example, moving from core retention work into early monetisation experiments). Craft and tooling Write clean, well-tested code in Python/Django and TypeScript/React, and take part in code reviews to keep quality high across the codebase. Improve internal tools and CRM integrations that help us respond to user behaviour more quickly and reduce manual work for the wider team. The requirements Significant experience as a software engineer working across the stack, with strong front-end skills in React/TypeScript. Experience building and maintaining back-end services in Python, ideally with Django, including designing and consuming API endpoints. Confidence working with data-rich products - for example, querying relational databases and integrating third party APIs. Strong communication skills, with the ability to translate business and customer needs into clear, effective technical solutions. A product mindset: you care about outcomes over outputs, are comfortable working with experiments and metrics, and enjoy collaborating closely with Product, Design and Data. Bonus: Experience building dashboards, analytics tools, or other products that help users understand and act on data. Familiarity with integrating complex external services (e.g. Open Banking, credit bureaus). A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience. 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 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 Useful links iwoca benefits & policies Interview welcome pack

Data Analyst (Lending Strategy) Hybrid in London, United Kingdom The company Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we've provided billions in funding to more than 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need - often within minutes. The team The Credit Risk Modelling team builds and improves the models that drive iwoca's lending decisions. They combine data science, engineering, and risk expertise to balance automation with human judgement, and their work supports everything from underwriting and pricing to portfolio monitoring. The team's work is central to iwoca's growth and has a direct impact on both customer outcomes and business performance. The team includes eight data scientists, two developers, and three lending strategy data analysts, all working hybrid schedules in London. The team's work is quite collaborative and there's always four or five people in the office on a given day. The team plans objectives for each quarter and manages progress with weekly meetings. They also have standups every other day to share concerns and help each other. The role You'll analyse data and contribute to the development of our credit models for the enhanced underwriting segment. You'll work with analysts, data scientists, and senior stakeholders to shape iwoca's lending strategy. Learn: Build expertise in the credit domain. Develop your analytical skills through exposure to different experimental approaches and complex analysis. Develop commercial influence: Practice turning data into information, and information into insights, so that you and various stakeholders can deliver improvements with real impact for our customers. Work on interesting and impactful projects, for example: Monitoring and refining risk models to improve decision making and portfolio outcomes Analysing portfolios and tests to investigate credit performance, identify drivers of change, and adapt lending strategies Improving our data, systems, and workflows to strengthen underwriting and monitoring Supporting new product launches and adapting policies to meet investor and regulatory needs The requirements Essential: A quantitative background, such as a degree in mathematics, statistics, economics, engineering, or a related field Ability to analyse data and generate insights to support decisions Ability to evaluate underwriting processes and improve credit models or policies Clear written and verbal communication, with the ability to tailor analysis and recommendations to different audiences A team player, with the ability to work confidently and enthusiastically with different people and teams Bonus: Experience in B2B or B2C credit risk, lending, and strategy Proficiency in SQL and Python Experience with data visualisation tools like Looker The salary We expect to pay from £40,000-£55,000 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 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 dependents. 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. Useful links: iwoca benefits & policies Interview welcome pack

Full Stack Engineer - Offers Team Hybrid in London, UK We're looking for a Full Stack Engineer to join our Offers Team We'd like you to be a part of the technical evolution of iwoca's offer-generation systems in a role that is critical in allowing us to bring a great product offering and experience to hundreds of thousands of businesses. You'd be helping design and build a set of orchestrated services that will help us as we scale. The company Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need - often within minutes. The team The Offers team own and optimise the systems that generate loan offers for new customers - including pricing, credit limits, and other offer terms - and choose which offers to present to the customer. You'd join a build team of six people consisting of data scientists, strategy analysts and software engineers, all aiming to improve our area of the funnel. We primarily work a hybrid in London, with regular knowledge sharing sessions amongst the team to promote curiosity and learning. The role As a full-stack engineer in the Offers team, you'll work closely with our tech and product strategy lead to provide critical input related to our technical needs and solutions. While there is some front-end work to be done, the majority of your work will be back-end. Projects Optimise and deploy live decision models: Collaborate with data scientists to reduce the runtime of optimisation models, ensuring timely decisions and low load times for customers. This involves deep dives into performance bottlenecks and implementing efficient solutions. Redesign offer generation architecture: Evolve and consolidate our offer generation services, leveraging your expertise to refactor and simplify the existing architecture. This investment will enhance scalability and maintainability, reflecting iwoca's growth and modern approach to business loans. Implement new customer offer display interfaces: Develop and maintain user interfaces that allow customers to interact with and customise their loan offers. This includes building and integrating features and tools that maximise the utility of our products. Develop robust analytics infrastructure: Build and enhance data models and pipelines to ensure accurate and timely data collections. This will involve designing and implementing data solutions that empower the strategy and analytics team to conduct split tests and make data driven decisions. The requirements Proficiency in Python with a strong background in back end engineering. Experience designing, building, and managing relational databases. Experience designing, building, and maintaining API endpoints. Confidence working across the full stack, including front end development in React/TypeScript, with a desire to learn new technologies. Strong communication skills, with the ability to translate business needs into clear, effective technical solutions. Bonus: Experience with Django and PostgreSQL Experience with design software, such as Figma Understanding of DevOps practices, including containerisation and CI/CD A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience The salary We expect to pay from £65,000 - £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 salary and performance 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 diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services. 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 Flexible working. 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, 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.

Senior Back End Engineer - Partner Tech Team Hybrid in London / Remote within the UK The company Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we've provided billions in funding to more than 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need - often within minutes. The team iwoca partners with a variety of third party platforms, ranging from large banks and comparison sites to small fintechs that serve SME customers. These partners use iwoca's Lending API to embed iwoca loans into their own customer journey. Partnerships are an important and fast growing source of customers for iwoca. The Partner Tech team builds new features and optimises existing flows to provide the best possible experience for iwoca's partners and the customers they refer to us. The team's responsibilities include: Continually improving our Lending API and other developer tools, so that partners can integrate with iwoca quickly and easily. Adding new functionality to facilitate deeper integrations and ensure iwoca is the best embedded finance provider on the market. Improving the conversion rate of customers who come to us through partners, by streamlining the journey and removing obstacles. The team is made up of two engineers plus a product manager, working closely with an internal team of commercial stakeholders. Partner Tech is remote/hybrid friendly, meeting up for team days in the office once or twice a month, but not on a fixed schedule. They work in an Agile fashion with two week sprints and a daily standup. The role You'll work on challenging projects all over iwoca's codebase - anywhere there are improvements to be made for partners and partner referred customers. You'll be encouraged to bring your own ideas and take responsibility for areas of functionality. Autonomy Own features and projects from scoping and design through to production. Collaborate with other engineers to meet the team's goals, whilst being trusted to define your own solutions and work independently on your part of the problem. Design and maintain robust, flexible, and maintainable systems to ensure scalability and fast paced development. Impact Deliver new functionality critical to onboarding important new partners. Optimise the customer experience, leading to measurable improvements. Leave code, docs, and processes in better shape than you found them. Purpose and product thinking Work on systems that genuinely help businesses get the funding they need. Collaborate with our partners and internal stakeholders to design effective solutions. Use data to make decisions, uncover insights, and refine strategies. The requirements Essential Experience designing and building scalable back end systems, ideally in Python with Django. Experience working with relational databases, ideally PostgreSQL, with an understanding of performance and maintainability considerations. Experience building and maintaining APIs that are easy to use, reliable, and well documentedli> Experience managing projects end to end, from understanding business problems to designing and delivering technical solutions. Pragmatism in balancing delivery speed with long term system health. Clear, concise written and verbal communication, focusing on outcomes and impact. Bonus Front end development experience, particularly with React and Typescript. Experience with DevOps practices, including containerisation and CI/CD pipelines. Experience using data to inform technical decisions or product improvements. The salary We expect to pay from £80,000-£90,000 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

A fast-growing finance company is seeking a Back End Engineer to join their Offers Team in London. You'll be instrumental in optimizing the offer-generation systems critical for serving SMEs. Responsibilities include collaborating with data scientists, redesigning architecture, and developing user interfaces. The ideal candidate should have proficiency in Python, experience with relational databases, and strong communication skills. The role offers a salary between £65,000 - £80,000, flexible working, and a supportive culture focused on professional growth.

Back End Engineer - Partner Tech Team Hybrid in London / Remote within the UK The company Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we've provided billions in funding to more than 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need - often within minutes. The team iwoca partners with a variety of third-party platforms, ranging from large banks and comparison sites to small fintechs that serve SME customers. These partners use iwoca's Lending API to embed iwoca loans into their own customer journey. Partnerships are an important and fast-growing source of customers for iwoca. The Partner Tech team builds new features and optimises existing flows to provide the best possible experience for iwoca's partners and the customers they refer to us. The team's responsibilities include: Continually improving our Lending API and other developer tools, so that partners can integrate with iwoca quickly and easily. Adding new functionality to facilitate deeper integrations and ensure iwoca is the best embedded finance provider on the market. Improving the conversion rate of customers who come to us through partners, by streamlining the journey and removing obstacles. The team is made up of two engineers plus a product manager, working closely with an internal team of commercial stakeholders. Partner Tech is remote/hybrid-friendly, meeting up for team days in the office once or twice a month, but not on a fixed schedule. They work in an Agile fashion with two-week sprints and a daily standup. The role You'll work on challenging projects all over iwoca's codebase - anywhere there are improvements to be made for partners and partner-referred customers. You'll be encouraged to bring your own ideas and take responsibility for areas of functionality. Autonomy Own features and projects from scoping and design through to production. Collaborate with other engineers to meet the team's goals, whilst being trusted to define your own solutions and work independently on your part of the problem. Design and maintain robust, flexible, and maintainable systems to ensure scalability and fast-paced development. Impact Deliver new functionality critical to onboarding important new partners. Optimise the customer experience, leading to measurable improvements. Leave code, docs, and processes in better shape than you found them. Purpose and product thinking Work on systems that genuinely help businesses get the funding they need. Collaborate with our partners and internal stakeholders to design effective solutions. Use data to make decisions, uncover insights, and refine strategies. The requirements Essential Experience designing and building scalable back-end systems, ideally in Python with Django. Experience working with relational databases, ideally PostgreSQL, with an understanding of performance and maintainability considerations. Experience building and maintaining APIs that are easy to use, reliable, and well-documented. Experience managing projects end to end, from understanding business problems to designing and delivering technical solutions. Pragmatism in balancing delivery speed with long-term system health. Clear, concise written and verbal communication, focusing on outcomes and impact. Bonus Front-end development experience, particularly with React and Typescript. Experience with DevOps practices, including containerisation and CI/CD pipelines. Experience using data to inform technical decisions or product improvements. The salary We expect to pay from £65,000-£90,000 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

Hybrid in London We're looking for a Senior Strategy Analyst to join our iwocaPay team, focusing on Seller Acquisition and Activation. Sellers use iwocaPay to offer innovative trade credit and buy-now-pay-later solutions for business customers. Those sellers are essential to our success: we need them to offer iwocaPay to their customers, who in turn use us to spread the cost of their purchase, improving their cash flow and operational flexibility. We are looking for an analyst who is a strategic 'doer': someone with the skill to turn complex data into clear insights, the autonomy to own the data pipeline, and the collaborative spirit to help us make smarter, faster decisions. The company Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we've provided billions in funding to more than 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need - often within minutes. The team iwocaPay is a dynamic, fast-growing team of 40, organised into four squads. The Seller Activation Squad is a cross functional unit that owns seller onboarding, from how we first present iwocaPay to new sellers, to how they integrate it into their sales channels. The squad's work is highly data driven, supported by a Data and Analytics function that ensures both data access and integrity. The squad's analyst will be the primary data partner who collaborates daily with the product manager, engineers, and designers. This critical partnership also supports our sales, marketing, and account management teams, connecting the squad's work to the business at large. The role As the Senior Analyst, you'll become an expert on the seller journey, using data to deepen the team's understanding of seller behaviour and performance while also owning the integrity of the data. You'll be an independent, strategically minded 'doer' who can take full ownership of your work, setting the bar for analytical rigour and turning insights into meaningful decisions. The role will include: Strategic decision partnering & impact sizing: Proactively frame and size key commercial opportunities by building quantitative models that challenge assumptions, estimate returns, and define success. End-to-end data & infrastructure ownership: Own the seller data pipeline from source to consumption. You'll design data models and manage the data flow from our CRM to our warehouse and visualisation layer, making the seller journey measurable and scalable. Deep-dive insight & feature evaluation: Drive exploratory investigations into the broader seller dataset to uncover critical insights on performance, churn, and activation bottlenecks. You will also rigorously measure and interpret the impact of new features. Driving action & empowering operations teams: Translate your complex analyses into clear 'so what' insights that inform iwoca's business decisions. You will also partner with operational teams (Sales, Marketing, and Account Management) to provide the reliable data and reporting they need to execute on their strategic goals. The requirements Essential: 3+ years analytical experience working in a B2B environment supporting product, sales, marketing, or customer activation efforts, with a proven ability to independently manage a complex workload and set priorities. Expert proficiency in SQL, with hands on exposure to database management and data modelling. Experience with business intelligence or data visualisation tools (such as Looker, Tableau, Power BI), and comfort working across the full data stack. Exceptional talent for communicating ambiguous problems, connecting data to business outcomes, and translating findings for non-technical audiences. A growth mindset with a natural curiosity that helps you to spot, break down, and resolve complex problems, all while maintaining data quality and accuracy. Bonus: Hands on experience with data pipeline tools like dbt and cloud data warehouses like Snowflake. Experience with Amplitude, Mixpanel, or other product intelligence platforms. Experience working with Hubspot, Salesforce, or other CRM platforms. A statistical background or experience setting up, running, and analysing A/B tests and experiments. The salary We expect to pay from £55,000-£70,000 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 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. Useful links: iwoca benefits & policies Interview welcome pack

Back End / Data Engineer - Acquisition Tech team Hybrid in London, UK The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The team The Acquisition Tech team focuses on acquiring new customers through various channels and technologies. You'll be responsible for driving growth through data engineering and tooling. Your primary focus will work with the marketing and sales teams to attract new customers while also ensuring compliance with data-privacy regulations, including unsubscribes and vulnerable person guidelines. The role The projects you'll work on will be diverse and will demand a strong proficiency in multiple technologies, primarily Python and SQL. Your tasks may include feature engineering for machine learning models or data validation, integrating with external APIs, developing internal tools, creating REST APIs, and managing databases. The requirements Essential: Python software engineering experience. SQL experience. Happy working in an unstructured, dynamic, and autonomous environment. Bonus: Mastery of SQL, Alchemy, scikit-learn, pandas, and PostgreSQL. Experience designing, building, and managing relational databases. Strong numerate background, i.e. maths, physics, comp-sci, engineering, etc. DevOps exposure: i.e. containerization, continuous integration/deployment (CI/CD). 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. 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 diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services. The offices We put a lot of effort into making iwoca a brilliant place to work: Offices in London, Leeds, 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 dependents. 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.

Back-end Engineer - Repeats Team Hybrid in London / Remote within the UK We're hiring a Back-end Engineer to join the Repeats team We're looking for a Back-end Engineer to design the scalable, high-performance services that allow us to rapidly test and deploy new product ideas for our repeat customers. The company Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need - often within minutes. The team The Repeats team is an autonomous team responsible for the lending strategy and digital user experience of our recurring customers. They own all the product decisions that occur after a customer has taken their first funding. This includes the user journey for repeat customers, the eligibility and document requirements for repeat applications, the offer terms (such as offered amount or pricing), among other things. The team is cross functional, with a data scientist and a strategy analyst on top of back end and front end developers. They work collaboratively to design new product features together and ensure these are delivered through an intuitive, high performing digital experience. The role As a Back-end Engineer on the Repeats team, you will design, build, and own the high performance services that execute our lending strategy. You will get to: Exercise autonomy: Own projects end to end, from scoping and design to execution. Lead multi engineer projects, coordinating with analysts, product managers, and other stakeholders. Drive impact: Enhance our offerings to meet the needs of repeat customers, improving their access to tailored lending solutions. Shape our systems: Design and maintain robust, flexible, and maintainable systems to ensure scalability and fast paced development. Learn through iteration: Embrace a culture of experimentation, using trial and error to uncover insights, refine approaches, and grow your technical and strategic skills. Apply continuous deployment: Work iteratively, supported by high test coverage, and contribute to the team's frequent deployment cycles (averaging more than once per day). Unlock data driven decision making: We use hypothesis testing and metrics such as issuance and profitability to iterate and optimise our approach. The projects We're striving to offer our customers a lot of flexibility, while making the product easy for them to understand and use. We're constantly testing new features and optimising existing parts of our strategy. Here are two examples of projects: Top up eligibility: We're optimising when customers are able to apply for more funds when they currently have an ongoing loan with us. This will involve setting up several tests affecting a core functionality of our product. This is a great opportunity to learn about our customers' behaviour and optimise a key element of our lending strategy. Offer amount testing: You will help re architect our offer strategy by building and scaling the microservice that controls offer amounts. This project involves designing and migrating business logic from our core monolith to this dedicated service, enabling the team to rapidly test how offer amounts affect customer behaviour, issuance, and loss rate. The requirements Essential: Experience in back end engineering, ideally with Python. Proven experience leading projects end to end, from designing to executing a solution. Good understanding of business problems and communication with stakeholders. Experience writing comprehensive automated tests, and a high level of attention to details to ensure safe releases. Bonus: An understanding of data analysis and statistics. A strong numerical or technical background, underpinned by a degree in maths, physics, computer science, engineering, or a related field. Experience with Django. Experience with relational databases (ideally PostgreSQL). The salary We expect to pay from £70,000 - £90,000 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 diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services. The offices We put a lot of effort into making iwoca a brilliant place to work: Offices in London, Leeds, Frankfurt and Berlin with plenty of drinks and snacks Events and clubs, like bingo, comedy nights, yoga classes, football, etc. The benefits Flexible working. 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, 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. Useful links: See iwoca benefits & policies for detail and some additional benefits. See interview welcome pack to learn more about the process.

Full Stack Engineer - iwocaPay Hybrid working in London, UK (At least one day in office per week) We're looking for a Full Stack Engineer to join our iwocaPay team iwocaPay provides trade credit and Buy-Now-Pay-Later (BNPL) solutions to businesses. The team works with hundreds of sellers to help thousands of buyers manage their cash flow, increase their purchasing power and operate with flexibility. The company Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need - often within minutes. The team The iwocaPay team runs like an independent start-up within iwoca. We build trade credit and Buy-Now-Pay-Later (BNPL) solutions for businesses. Our product helps thousands of buyers manage their cash flow and purchasing power, while supporting hundreds of sellers to offer flexible payment options. We're growing fast, now over 30 people strong, with seven engineers, two product managers, one designer, and a full set of operational roles. We're committed to doing good work and moving quickly, iterating frequently to ship features that matter. We run daily standups and regular offsites to stay connected. We also work closely with other iwoca teams, sharing code and benefiting from shared resources, such as our dedicated DevOps team. The role As a full-stack engineer in the iwocaPay team, you'll build APIs, user interfaces, and ecommerce plugins that help suppliers get paid fast. You'll shape the end-to-end experience for buyers and suppliers, using data to guide improvements and measure impact. You'll work closely with product, design, operations, and other teams to deliver high-quality, user-focused features. The projects Improving checkout conversion: We're testing different UX approaches and payment options to reduce friction at checkout and increase conversion for sellers using iwocaPay. This includes experimenting with offer layouts, messaging, and eligibility visibility. Smarter credit decisions: We're enhancing our decision engine to offer more accurate and instant credit decisions for buyers, based on real-time data. This includes refining our models to support higher-value transactions and broader customer segments. Ecommerce integrations: We're expanding and improving our plugins for major ecommerce platforms, making them easier for suppliers to install and use. The goal is to simplify onboarding while supporting more use cases out of the box. Seamless use of other iwoca products: We're making it easier for our customers to access all of iwoca's products. The goal is to create a seamless journey for customers, allowing them to effortlessly move between iwocaPay and other solutions like a Flexi-Loan or a credit card. The requirements Essential: Significant back end engineering experience, ideally using Python Experience designing, building, and maintaining API endpoints Confidence working across the full stack, including front-end development in React/TypeScript, with a desire to learn new technologies Strong communication skills, with the ability to translate business needs into clear, effective technical solutions Bonus: Familiarity with PHP, particularly for contributing to ecommerce plugins Experience with Django and PostgreSQL Understanding of DevOps practices, including containerisation and CI/CD A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience The salary We expect to pay from £55,000-£70,000 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 diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services. 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 Flexible working. 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, 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: Protected time and a learning and development budget for everyone. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse.

Data Scientist - Acquisition Technology Hybrid in London, United Kingdom The company Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we've provided billions in funding to more than 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need - often within minutes. The function iwoca's Data Scientists specialise in supervised machine learning, statistical inference and exploratory data analysis, focusing on tabular and time series data. Our work emphasises quantitative predictions through the analysis of conditional probabilities and expectations, using medium-sized datasets. The team The DE Acquisition Tech team sits at the heart of iwoca's growth strategy. Its mission is to help Marketing and Sales reach and engage small businesses of every kind, showing how our finance can empower their ambitions. The team enables smarter, data-driven decision-making across paid and organic channels as well as direct sales. By embedding engineers, product managers, designers, and data scientists together, the team acts as a self-sufficient unit, shaping strategies that deliver measurable commercial impact. The role As a Data Scientist in the DE Acquisition Tech team, you'll shape how iwoca grows. You'll design and evaluate experiments, build statistical and predictive models, and turn complex data into clear insights. You'll own projects end to end while working closely with stakeholders to align your work with business goals. The models and insights you deliver will directly influence how we invest in sales and marketing, giving you visibility across the company and impact on customer acquisition. The projects You'll shape projects that: Run controlled experiments across paid and organic channels, generating evidence on what drives conversions. Build and refine frameworks for Paid Search and Paid Social, enabling smarter bidding and more effective performance. Develop statistical attribution models to give clear insight into channel impact. Design predictive lead scoring models that help target valuable prospects more effectively. The requirements Essential: Expertise in probability and statistics, gained through a quantitative field such as Mathematics, Physics, Statistics 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, SciPy, R, Matlab, Mathematica or BLAS. Ability to work autonomously and manage projects end to end, from framing the question to delivering outcomes. Ability to communicate clearly in writing and speech, adapting technical detail to suit different audiences. Bonus Understanding of Bayesian statistics, including experience or interest in applying hierarchical Bayesian models. Experience building machine learning models from scratch, including creating custom optimisers. Knowledge of stochastic processes and related mathematical techniques. Experience working with Python, our primary programming language. Understanding of financial concepts such as deterministic cash flows. The salary We expect to pay from £60,000 - £90,000 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 Useful links: iwoca benefits & policies Interview welcome pack