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.
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.
iwoca
About iwoca 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. We are recruiting a UK qualified lawyer to work across our UK business on commercial and regulatory matters and report to iwoca's Head of Legal. Day to day you will: Support and advise new ventures, which include business credit cards, an SME M&A platform, an SME credit score to help them monitor, understand and improve their business credit score and insurance brokerage that aims to disrupt an industry ill-suited to SMEs' needs, to: navigate the complex regulatory environment and structure the product accordingly; build new features that solve real-world problems for SMEs; manage contracts with partners; and prepare and update customer terms and conditions; Support and advise the wider business on commercial and regulatory issues, in cooperation with the regulatory compliance team Identify and implement process improvements to make legal work more efficient, including building out and maintaining templates, playbooks and decision frameworks to produce better outcomes Instruct and manage external legal counsel, and manage legal budget with the guidance of the Head of Legal and business heads There will be opportunities for you to: Advise and educate other members of the legal team on areas of your competence through formal and informal training Grow with a fast-growing business and get exposure to a wide range of Fintech products and services We are looking for: You are a qualified lawyer in the UK with a minimum of 3 years post-qualification experience You have knowledge in payments regulations (including the PSRs, EMRs and FCA Handbook) and have demonstrated the ability to apply it in a commercial setting You have experience in drafting and negotiating commercial contracts, including high value partnerships with regulated institutions You are smart, meaning you: use thoughtful legal analysis to quickly cut through legal and commercial complexity give concrete feedback in a way that facilitates decision-making apply proportionality in your advice, considering solutions against legal risk and opportunity cost You are motivated, meaning you: go above and beyond to deliver high quality legal work in line with deadlines curious about all parts of the business and the challenges they face are willing to learn about unfamiliar areas of financial regulation and develop into an internal subject matter expert You are humble: no ego, we're in it together and sometimes need to cover others' work you proactively reflect on individual and team performance on a task It would be also nice (but not required!) if you: have some knowledge of regulations outside of payments, for example insurance or consumer credit have some knowledge and understanding of lending businesses appreciate the importance of quantifying legal risk to inform decision-making The culture At iwoca, we look to hire smart, passionate, humble individuals with a growth mindset. 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. Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life, empowering you to thrive both personally and professionally. The offices 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. Useful links: iwoca benefits & policies Glassdoor Kununu Trustpilot
About iwoca 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. We are recruiting a UK qualified lawyer to work across our UK business on commercial and regulatory matters and report to iwoca's Head of Legal. Day to day you will: Support and advise new ventures, which include business credit cards, an SME M&A platform, an SME credit score to help them monitor, understand and improve their business credit score and insurance brokerage that aims to disrupt an industry ill-suited to SMEs' needs, to: navigate the complex regulatory environment and structure the product accordingly; build new features that solve real-world problems for SMEs; manage contracts with partners; and prepare and update customer terms and conditions; Support and advise the wider business on commercial and regulatory issues, in cooperation with the regulatory compliance team Identify and implement process improvements to make legal work more efficient, including building out and maintaining templates, playbooks and decision frameworks to produce better outcomes Instruct and manage external legal counsel, and manage legal budget with the guidance of the Head of Legal and business heads There will be opportunities for you to: Advise and educate other members of the legal team on areas of your competence through formal and informal training Grow with a fast-growing business and get exposure to a wide range of Fintech products and services We are looking for: You are a qualified lawyer in the UK with a minimum of 3 years post-qualification experience You have knowledge in payments regulations (including the PSRs, EMRs and FCA Handbook) and have demonstrated the ability to apply it in a commercial setting You have experience in drafting and negotiating commercial contracts, including high value partnerships with regulated institutions You are smart, meaning you: use thoughtful legal analysis to quickly cut through legal and commercial complexity give concrete feedback in a way that facilitates decision-making apply proportionality in your advice, considering solutions against legal risk and opportunity cost You are motivated, meaning you: go above and beyond to deliver high quality legal work in line with deadlines curious about all parts of the business and the challenges they face are willing to learn about unfamiliar areas of financial regulation and develop into an internal subject matter expert You are humble: no ego, we're in it together and sometimes need to cover others' work you proactively reflect on individual and team performance on a task It would be also nice (but not required!) if you: have some knowledge of regulations outside of payments, for example insurance or consumer credit have some knowledge and understanding of lending businesses appreciate the importance of quantifying legal risk to inform decision-making The culture At iwoca, we look to hire smart, passionate, humble individuals with a growth mindset. 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. Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life, empowering you to thrive both personally and professionally. The offices 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. Useful links: iwoca benefits & policies Glassdoor Kununu Trustpilot