Risk Analyst - Credit Risk Modelling Team 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 risk 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
Nov 19, 2025
Full time
Risk Analyst - Credit Risk Modelling Team 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 risk 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
Back End Engineer - Credit Cards Full Product 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 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 Credit Cards team is building iwoca's newest product for small and medium-sized businesses, giving them a fast, flexible way to manage cash flow alongside our existing loans. We're aiming to build a market-leading product, as the credit card is a core part of our long-term growth strategy. We're responsible for the systems, processes, and product features that will make this possible - from platform architecture and credit risk to user experience and servicing. The role As a Back End Engineer in the Credit Cards team, you'll design and deliver the systems that power iwoca's new credit card product. You'll help shape how our services are built and run, working with others to create a platform that is reliable, scalable, and easy to evolve. The work will involve iterating quickly, refining solutions, and developing both technical and product skills as the system grows. The projects You'll work on engineering projects that give you scope to design new systems, solve performance challenges, and deliver features that matter to customers, such as: Data Model and Service Architecture: Shape a Greenfield service architecture outside our existing monolith. Design it to support the scalability, flexibility, and independence from other teams that the product needs. Authorisation Service: Design and build the service that responds to authorisation requests when customers attempt to use their card. Ensure it achieves high availability (>99.9% successful response rate), consistently low latency ( New product features: Build a product customers love, attracting and retaining users. Improve our offer terms, rewards, flexibility, and their control - so their business can thrive from access to instant working capital. The requirements Essential: Experience designing and operating scalable back end systems for customer-facing products, including high-availability services. Proficiency in Python, writing clean, efficient, and well-tested code. Experience designing relational data models, ideally using PostgreSQL, with a focus on performance and maintainability. Experience building and integrating APIs. Pragmatism in balancing delivery speed with managing technical debt. Experience managing projects end to end, from understanding business problems to designing and delivering technical solutions. Bonus: Experience with microservices or event-driven architectures, including service-to-service communication and message queues. Familiarity with financial systems, especially card payment systems or real-time transaction processing. Experience working with data from financial institutions, credit reference agencies, or open banking. Experience with Django. 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 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.
Oct 31, 2025
Full time
Back End Engineer - Credit Cards Full Product 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 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 Credit Cards team is building iwoca's newest product for small and medium-sized businesses, giving them a fast, flexible way to manage cash flow alongside our existing loans. We're aiming to build a market-leading product, as the credit card is a core part of our long-term growth strategy. We're responsible for the systems, processes, and product features that will make this possible - from platform architecture and credit risk to user experience and servicing. The role As a Back End Engineer in the Credit Cards team, you'll design and deliver the systems that power iwoca's new credit card product. You'll help shape how our services are built and run, working with others to create a platform that is reliable, scalable, and easy to evolve. The work will involve iterating quickly, refining solutions, and developing both technical and product skills as the system grows. The projects You'll work on engineering projects that give you scope to design new systems, solve performance challenges, and deliver features that matter to customers, such as: Data Model and Service Architecture: Shape a Greenfield service architecture outside our existing monolith. Design it to support the scalability, flexibility, and independence from other teams that the product needs. Authorisation Service: Design and build the service that responds to authorisation requests when customers attempt to use their card. Ensure it achieves high availability (>99.9% successful response rate), consistently low latency ( New product features: Build a product customers love, attracting and retaining users. Improve our offer terms, rewards, flexibility, and their control - so their business can thrive from access to instant working capital. The requirements Essential: Experience designing and operating scalable back end systems for customer-facing products, including high-availability services. Proficiency in Python, writing clean, efficient, and well-tested code. Experience designing relational data models, ideally using PostgreSQL, with a focus on performance and maintainability. Experience building and integrating APIs. Pragmatism in balancing delivery speed with managing technical debt. Experience managing projects end to end, from understanding business problems to designing and delivering technical solutions. Bonus: Experience with microservices or event-driven architectures, including service-to-service communication and message queues. Familiarity with financial systems, especially card payment systems or real-time transaction processing. Experience working with data from financial institutions, credit reference agencies, or open banking. Experience with Django. 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 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.
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
Oct 31, 2025
Full time
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
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.
Oct 30, 2025
Full time
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.
Data Scientist - Operations Strategy team Hybrid in London, 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 function iwoca's data scientists specialise in supervised machine learning, statistical inference and exploratory statistics, focusing on tabular and time series data. Their work emphasizes quantitative predictions through the analysis of conditional probabilities and expectations, using medium sized datasets. The team There are approximately 200 members of the Operations team working in London and Leeds to deliver an exceptional level of customer service. Our eight person Operations Strategy team works to make our customer facing teams more efficient and more effective. The role As a Data Scientist in our Operations Strategy team, you will play a crucial role working to set up and analyse tests, and to build statistical models. The data driven insights you produce will help us develop strategies to improve the efficiency and effectiveness of our Operations teams, all while maintaining an exceptional level of customer service. Strategy and innovation Work closely with the Head of Operations Strategy, Operations staff and other stakeholders to ensure that your work aligns with business goals and achieves valuable commercial outcomes. Design experiments to compare the performance of different strategies and evaluate them to inform decisions. Share your findings and modelling with the wider business to impact our strategy. Ownership and influence Independently build models to help solve our business problems, with responsibility for the solution design. Promote analytical rigour within the team, ensuring that our experimental designs are correctly defined and that we evaluate tests without bias. iwoca lives and breathes data, so data scientists have a key role in decision making. Development opportunities Join our community of analysts/data scientists/statisticians to ensure alignment in methodology across iwoca. You'll be part of a peer group with whom you can discuss best practices or the latest advances so that you share and deepen your technical expertise. Build expertise in Operations processes across the full range of the customer journey, from signup through to collections. The projects Here are some examples of projects you might work on: Setting up, monitoring and analysing split tests to help understand the value of operations activities. This could include determining the return on investment of different types of outbound calls that are made by our account managers and using this to prioritise these calls effectively to maximise the effectiveness of the team. Building predictive models based on customer satisfaction data, to determine whether changes that are made to operations' processes genuinely improve customer satisfaction. Building statistical models to enhance the ability of operations teams to do accurate forecasting and capacity planning. The requirements Essential: A PhD in a relevant numerate discipline or previous experience in solving business problems in industry with statistics or machine learning techniques. Ability to dive deep into the business context and translate data into actionable insights. Strong problem solving skills in probability and statistics. Proficiency with data manipulation and modelling tools, for example pandas, statsmodels, and R. Self driven with the capability to efficiently manage projects end to end. Excellent communication skills, you tailor your communication style and the technical detail according to your audience. Bonus: Python experience (we mostly work in Python). Experience with experimental design and Bayesian analysis. The salary The salary range is £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
Oct 30, 2025
Full time
Data Scientist - Operations Strategy team Hybrid in London, 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 function iwoca's data scientists specialise in supervised machine learning, statistical inference and exploratory statistics, focusing on tabular and time series data. Their work emphasizes quantitative predictions through the analysis of conditional probabilities and expectations, using medium sized datasets. The team There are approximately 200 members of the Operations team working in London and Leeds to deliver an exceptional level of customer service. Our eight person Operations Strategy team works to make our customer facing teams more efficient and more effective. The role As a Data Scientist in our Operations Strategy team, you will play a crucial role working to set up and analyse tests, and to build statistical models. The data driven insights you produce will help us develop strategies to improve the efficiency and effectiveness of our Operations teams, all while maintaining an exceptional level of customer service. Strategy and innovation Work closely with the Head of Operations Strategy, Operations staff and other stakeholders to ensure that your work aligns with business goals and achieves valuable commercial outcomes. Design experiments to compare the performance of different strategies and evaluate them to inform decisions. Share your findings and modelling with the wider business to impact our strategy. Ownership and influence Independently build models to help solve our business problems, with responsibility for the solution design. Promote analytical rigour within the team, ensuring that our experimental designs are correctly defined and that we evaluate tests without bias. iwoca lives and breathes data, so data scientists have a key role in decision making. Development opportunities Join our community of analysts/data scientists/statisticians to ensure alignment in methodology across iwoca. You'll be part of a peer group with whom you can discuss best practices or the latest advances so that you share and deepen your technical expertise. Build expertise in Operations processes across the full range of the customer journey, from signup through to collections. The projects Here are some examples of projects you might work on: Setting up, monitoring and analysing split tests to help understand the value of operations activities. This could include determining the return on investment of different types of outbound calls that are made by our account managers and using this to prioritise these calls effectively to maximise the effectiveness of the team. Building predictive models based on customer satisfaction data, to determine whether changes that are made to operations' processes genuinely improve customer satisfaction. Building statistical models to enhance the ability of operations teams to do accurate forecasting and capacity planning. The requirements Essential: A PhD in a relevant numerate discipline or previous experience in solving business problems in industry with statistics or machine learning techniques. Ability to dive deep into the business context and translate data into actionable insights. Strong problem solving skills in probability and statistics. Proficiency with data manipulation and modelling tools, for example pandas, statsmodels, and R. Self driven with the capability to efficiently manage projects end to end. Excellent communication skills, you tailor your communication style and the technical detail according to your audience. Bonus: Python experience (we mostly work in Python). Experience with experimental design and Bayesian analysis. The salary The salary range is £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
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.
Oct 30, 2025
Full time
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.