iwoca

Data Scientist - Sales & Marketing Hybrid in London The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The team The Sales & Marketing ("Direct Acquisition") team comprises our Marketing, Sales and Acquitech teams. We are responsible for reaching small and advertising finance to UK small businesses of all shapes and sizes. We do this through paid and organic marketing channels as well as direct sales. We are an autonomous team with marketing, sales, software development, product, design, and data science team members. As a Data Scientist, you'll work day to day with team members in all functions. The role As a Data Scientist in our Direct Acquisition 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 sales and marketing. Responsibilities: Work closely with the Head of Direct Acquisition, team and channel leads 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. 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. Participate in decision-making as iwoca lives and breathes data. 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 marketing and sales activities. This could include determining the return on investment of different types of marketing strategies. Building predictive models based on sales and marketing data, to determine whether certain activities lead to a positive return. Building statistical models to enhance the ability of sales teams to do accurate forecasting and capacity planning. The requirements Essential: Strong problem-solving skills in probability and statistics. Ability to dive deep into the business context and translate data into actionable insights. Capability to manage projects end-to-end and produce good outcomes without much supervision. Proficiency with data manipulation and modelling tools - e.g., pandas, statsmodels, R. Experience with scientific computing and tooling - e.g., NumPy, SciPy, R, Matlab, Mathematica, BLAS. Degree in Statistics, Mathematics, Physics or equivalent. Bonus: Experience implementing solutions in a production environment (e.g., continuous integration). Experience with Python. (Note: we mostly work in Python.) Experience with Bayesian statistics. 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 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, Frankfurt, and Berlin 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 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: See iwoca benefits & policies for detail and some additional benefits. See interview welcome pack to learn more about the process.

We're looking for a Senior Business Development Executive. This is an exciting opportunity for an ambitious candidate to join our business development team. This is an entrepreneurial role, where you'll manage and strategize your individual pipeline to find and finance SMEs in the UK - the backbone of our economy. You'll have the opportunity to earn an uncapped commission. About us Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a prospecting Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service. Our culture We're expanding fast across our offices in London, Leeds, Frankfurt and Berlin. With all this growth, we're looking for people who want to learn on the job and prospect projects, knowing that your ideas will impact thousands of small businesses. Your mission As a Senior Business Development Executive, you'll build a high quality pipeline of prospects and generate revenue by making outbound calls, booking meetings, following up with customers, advising on their best finance options from our suite of products, and closing deals. Each interaction with a potential new customer is unique, and requires focus as well as solo thinking. How you manage your pipeline will make a significant difference in hitting your KPIs. If you are successful, there are substantial opportunities to develop in our growing team, both monetarily and professionally. Key responsibilities include: Building and nurturing a high quality prospect pipeline by making regular outbound calls, and occasionally dealing with inbound queries, at all times representing the company in a highly professional manner. Listening, understanding and advising which of our finance options can help solve your prospect's challenges. Identifying and qualifying prospects alongside the ones we have identified and initially qualified for you. Communicating the iwoca value proposition in a precise and compelling way to help SMEs understand and make use of our loan products. Going above and beyond in your efforts to hit and exceed your KPIs; this will enable us to beat growth targets. Working as a team player, and helping improve the overall success of this exciting part of the business. Willingness to mentor and help junior colleagues improve their own performance. Requirements At least 3-5 years in sales roles, particularly in selling complicated products directly to decision makers. Confident making cold outbound calls, and thrive off speaking and connecting with business owners. Highly motivated, and excited by the challenge of exceeding targets. Able to take on, and provide, quality feedback to power your own growth, as well as that of your teammates. Organised and confident in managing a large pipeline of prospects, with deals at various stages in our process. Able to simplify and explain complex products in a way that customers with little experience in commercial financing can easily understand. Resilient. You'll take setbacks in your stride, and see value in the lessons setbacks give you. Empathetic. You need to understand and sympathise with the problems our customers face. You love helping people. Don't take this list as prescriptive: it's just to give you a sense of who might do well at the job. We'd still love to hear from you if you don't hit every point on the list, or if you have other experience. Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a role in which you can spend part of your time working from home. Our benefits We put a lot of effort into making iwoca a brilliant place to work: Offices in London, Leeds and Frankfurt. Events and clubs, like bingo, comedy nights, yoga classes, football. Two company retreats a year, we've been to France, Italy, Spain and further afield. Plenty of drinks and snacks in our offices. We offer a wide range of benefits: Medical insurance from Vitality, including discounted gym membership. 25 days' holiday, an extra day off for your birthday and the option to buy or sell an additional 5 days of annual leave. Instant access to emotional and mental health support with our partner, Spill. Share options. Generous maternity and paternity leave. A nursery tax benefit scheme to help you save money. Paid volunteering day to support your chosen charity. Extra leave if you want to travel or study. One-month fully paid sabbatical after 4 years. Cycle-to-work scheme. Electric car scheme. And to make sure we all keep learning, we offer: An L&D budget for everyone, including a book budget. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse if you want to learn to code. For more information: iwoca benefits & policies: coda.io/d/iwoca-benefits-policies

Data Scientist - iwocaPay Hybrid in London or Leeds, UK We're looking for a Data Scientist to join our iwocaPay team iwocaPay works with sellers to offer innovative Trade Credit and Buy-Now-Pay-Later (BNPL) solutions for business customers. Those sellers are essential to our success, as we need them to offer iwocaPay to their customers, who in turn use us to spread the cost of their purchase, for improving cash flow and operational flexibility. The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The function iwoca's Data Scientists specialise in Supervised Machine Learning, Statistical Inference and Exploratory Statistics, focusing on tabular and time series data. Our work emphasises quantitative predictions through the analysis of conditional probabilities and expectations, using medium-sized datasets. The team At iwoca, we're proud to nurture an entrepreneurial spirit within our teams. This is especially true of iwocaPay, a fast-growing start-up within the business, now with a dedicated team of more than 30 people. With iwocaPay, we've created a trade credit solution that has already provided thousands of buyers across the UK with the flexibility to manage cash flow while growing their purchasing power. Our team continues to innovate and expand, driving iwocaPay's mission to make credit available where it's needed most. The role As a Data Scientist within our iwocaPay team, you'll develop insights for our credit assessment model. Your role will involve evaluating the model, identifying key areas for improvement, and using untapped features to enhance accuracy and reduce friction for customers. You'll work collaboratively with Data Scientists across iwoca, sharing expertise with a peer group to deepen your knowledge and apply it to iwocaPay. Additionally, you'll design and analyse tests and build statistical models to help us reach a broader range of customers. The Projects In this role, you'll tackle a few high-impact projects within your first 90 days, designed to drive the evolution of iwocaPay's risk model and enhance our data capabilities: Model Evaluation & Improvement: Begin by immersing yourself in our current model to assess its strengths and identify areas for enhancement. You'll focus on the model's relevance to iwocaPay and the data sources supporting it. Data Feature Expansion: Conduct a detailed data assessment to identify new features that could improve model precision and reliability. This includes testing additional data points and exploring off-the-shelf alternatives to sensitive personal data, which add unnecessary friction to the loan application process. Prototype Testing & Iteration: Start developing and testing initial model iterations, refining as you go. Investigate supplementary data sources, including ecommerce insights, to enrich the model's accuracy and expand its potential applications within iwocaPay. Strategic Data Science Influence: Beyond immediate model improvements, you'll play a pivotal role in shaping iwocaPay's data science roadmap. By identifying emerging data science techniques and championing best practices, you'll guide how we apply data science to add deeper value across our offerings, setting the foundation for innovative, scalable solutions that drive future growth. The requirements Essential: Strong problem-solving skills in probability and statistics, ideally from a quantitative background (e.g., Engineering, Mathematics, Physics, or similar fields). Proficiency with data manipulation and modelling tools, e.g. pandas, statsmodels, R. Experience with scientific computing and tooling, e.g. NumPy, SciPy, R, Matlab, Mathematica, BLAS. Self-starter with ability to work autonomously and efficiently manage projects end-to-end. Excellent communication skills, with the ability to adjust your communication style and technical detail based on the audience. Bonus: Experience building machine learning models from scratch (e.g. creating custom optimisers) Advanced knowledge of stochastic processes and related mathematical techniques. Experience with Bayesian analysis. Experience with Python (our primary programming language). Knowledge of financial concepts (e.g. calculations with deterministic cash flows). The salary We expect to pay from £70,000 - £100,000 for this role. But, we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, 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, 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. Useful links: See iwoca benefits & policies for detail and some additional benefits. See interview welcome pack to learn more about the process.

Data Scientist - Customer Lifetime Value Hybrid in London / Remote within the UK We're looking for a Data Scientist Our Customer Lifetime Value (CLtV) model is a highly developed and tailored model, which is central to our business strategy at iwoca. As a Data Scientist in our CLtV team, you will be developing this model so that it represents and codifies our best and most current understanding about the true lifetime value of our customers. The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The role Your role as a Data Scientist in the CLTV team will involve growing and demonstrating your skills in several key areas, including but not limited to: Model development: Explore and integrate innovative modelling methods into our training pipeline to enhance the predictive power and flexibility of our model. Take responsibility for the full lifecycle of the model, including training, validation, deployment, and performance monitoring. Clearly communicate and explain any model changes to the business, ensuring transparency and fostering trust in the model's predictions. Collaborate with Data Scientists and Analysts in other teams to ensure that our model predictions are appropriately utilised and interdependencies are accounted for. Model-driven insights: Utilise our modelling and analytics tools (and introduce new ones where appropriate) to uncover insights, such as customer behaviour patterns or the efficacy of new modelling techniques. Effectively communicate these insights with the broader business to drive value by changing the way iwoca operates. Project ownership and autonomy: Independently develop data science solutions to address iwoca's business challenges, with increasing responsibility in solution design. Maintain strong communications with stakeholders throughout your work to ensure that your solutions are pragmatically solving the business problem at hand and to get technical feedback for personal growth. The requirements Essential: Ability to effectively communicate with stakeholders and downstream users of the model, and to maintain up-to-date and reliable documentation. Strong problem-solving skills in probability and statistics. Experience developing code collaboratively and implementing solutions in a production environment. Proficiency with data manipulation and modelling tools - e.g., pandas, statsmodels, R. Experience with scientific computing and tooling - e.g., NumPy, SciPy, Matlab, etc. Self-driven with the capability to efficiently manage projects end-to-end. Experience working on research projects, particularly those involving mathematical, statistical, or analytical modelling. Bonus: Experience building machine learning models from scratch (e.g., built your own optimiser). Excellent knowledge of stochastic processes and related mathematical techniques. Experience with Bayesian analysis. Experience with Python. (Note: we mostly work in Python.) Knowledge of financial concepts (e.g. calculations with deterministic cash flows). 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 thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services.

Data Scientist - iwocaPay Hybrid in London or Leeds, UK We're looking for a Data Scientist to join our iwocaPay team iwocaPay works with sellers to offer innovative Trade Credit and Buy-Now-Pay-Later (BNPL) solutions for business customers. Those sellers are essential to our success, as we need them to offer iwocaPay to their customers, who in turn use us to spread the cost of their purchase, for improving cash flow and operational flexibility. The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The function iwoca's Data Scientists specialise in Supervised Machine Learning, Statistical Inference and Exploratory Statistics, focusing on tabular and time series data. Our work emphasises quantitative predictions through the analysis of conditional probabilities and expectations, using medium-sized datasets. The team At iwoca, we're proud to nurture an entrepreneurial spirit within our teams. This is especially true of iwocaPay, a fast-growing start-up within the business, now with a dedicated team of more than 30 people. With iwocaPay, we've created a trade credit solution that has already provided thousands of buyers across the UK with the flexibility to manage cash flow while growing their purchasing power. Our team continues to innovate and expand, driving iwocaPay's mission to make credit available where it's needed most. The role As a Data Scientist within our iwocaPay team, you'll develop insights for our credit assessment model. Your role will involve evaluating the model, identifying key areas for improvement, and using untapped features to enhance accuracy and reduce friction for customers. You'll work collaboratively with Data Scientists across iwoca, sharing expertise with a peer group to deepen your knowledge and apply it to iwocaPay. Additionally, you'll design and analyse tests and build statistical models to help us reach a broader range of customers. The Projects In this role, you'll tackle a few high-impact projects within your first 90 days, designed to drive the evolution of iwocaPay's risk model and enhance our data capabilities: Model Evaluation & Improvement: Begin by immersing yourself in our current model to assess its strengths and identify areas for enhancement. You'll focus on the model's relevance to iwocaPay and the data sources supporting it. Data Feature Expansion: Conduct a detailed data assessment to identify new features that could improve model precision and reliability. This includes testing additional data points and exploring off-the-shelf alternatives to sensitive personal data, which add unnecessary friction to the loan application process. Prototype Testing & Iteration: Start developing and testing initial model iterations, refining as you go. Investigate supplementary data sources, including ecommerce insights, to enrich the model's accuracy and expand its potential applications within iwocaPay. Strategic Data Science Influence: Beyond immediate model improvements, you'll play a pivotal role in shaping iwocaPay's data science roadmap. By identifying emerging data science techniques and championing best practices, you'll guide how we apply data science to add deeper value across our offerings, setting the foundation for innovative, scalable solutions that drive future growth. The requirements Essential: Strong problem-solving skills in probability and statistics, ideally from a quantitative background (e.g., Engineering, Mathematics, Physics, or similar fields). Proficiency with data manipulation and modelling tools, e.g. pandas, statsmodels, R. Experience with scientific computing and tooling, e.g. NumPy, SciPy, R, Matlab, Mathematica, BLAS. Self-starter with ability to work autonomously and efficiently manage projects end-to-end. Excellent communication skills, with the ability to adjust your communication style and technical detail based on the audience. Bonus: Experience building machine learning models from scratch (e.g. creating custom optimisers) Advanced knowledge of stochastic processes and related mathematical techniques. Experience with Bayesian analysis. Experience with Python (our primary programming language). Knowledge of financial concepts (e.g. calculations with deterministic cash flows). The salary We expect to pay from £70,000 - £100,000 for this role. But, we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, 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, 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. Useful links: See iwoca benefits & policies for detail and some additional benefits. See interview welcome pack to learn more about the process.

Senior Data Scientist - Customer Lifetime Value Hybrid in London / Remote within the UK We're looking for a Data Scientist Our Customer Lifetime Value (CLtV) model is a highly developed and tailored model, which is central to our business strategy at iwoca. As a Data Scientist in our CLtV team, you will be developing this model so that it represents and codifies our best and most current understanding about the true lifetime value of our customers. The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The team Customer Lifetime Value (CLtV) represents the value each customer brings to iwoca. This concept is central to our business, influencing decisions across every department. The CLtV team is a small and versatile group of people who manage the CLtV model from the R&D stage all the way to deploying model releases into production. We manage data pipelines that enable the business to use our predictions in their day-to-day decision-making. Our dynamic and autonomous environment emphasises on 'getting things done' and delivering high quality solutions. You can expect working closely with stakeholders, delivering solutions iteratively to incrementally add value, collecting and addressing feedback, and also providing support to the team and wider business. The role Your role as a Data Scientist in the CLTV team will involve growing and demonstrating your skills in several key areas, including but not limited to: Model development. Explore and integrate innovative modelling methods into our training pipeline to enhance the predictive power and flexibility of our model. Take responsibility for the full lifecycle of the model, including training, validation, deployment, and performance monitoring. Clearly communicate and explain any model changes to the business, ensuring transparency and fostering trust in the model's predictions. Collaborate with Data Scientists and Analysts in other teams to ensure that our model predictions are appropriately utilised and interdependencies are accounted for. Model-driven insights. Utilise our modelling and analytics tools (and introduce new ones where appropriate) to uncover insights, such as customer behaviour patterns or the efficacy of new modelling techniques. Effectively communicate these insights with the broader business to drive value by changing the way iwoca operates. Project ownership and autonomy. Independently develop data science solutions to address iwoca's business challenges, with increasing responsibility in solution design. Maintain strong communications with stakeholders throughout your work to ensure that your solutions are pragmatically solving the business problem at hand and to get technical feedback for personal growth. The function iwoca's Data Scientists specialise in Supervised Machine Learning, Statistical Inference and Exploratory Statistics, focusing on tabular and time series data. Our work emphasises quantitative predictions through the analysis of conditional probabilities and expectations, using medium-sized datasets. The requirements Essential: Ability to effectively communicate with stakeholders and downstream users of the model, and to maintain up-to-date and reliable documentation. Strong problem-solving skills in probability and statistics. Experience developing code collaboratively and implementing solutions in a production environment. Proficiency with data manipulation and modelling tools - e.g., pandas, statsmodels, R. Experience with scientific computing and tooling - e.g., NumPy, SciPy, Matlab, etc. Self-driven with the capability to efficiently manage projects end-to-end. Experience working on research projects, particularly those involving mathematical, statistical, or analytical modelling. Bonus: Experience building machine learning models from scratch (e.g., built your own optimiser). Excellent knowledge of stochastic processes and related mathematical techniques. Experience with Bayesian analysis. Experience with Python. (Note: we mostly work in Python.) Knowledge of financial concepts (e.g. calculations with deterministic cash flows). The salary We expect to pay from £70,000 - £100,000 for this role. But, we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, 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, 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. Useful links: See iwoca benefits & policies for detail and some additional benefits. See interview welcome pack to learn more about the process.

Senior Data Scientist - Partnerships Strategy Hybrid in London, or Remote within UK We're looking for a Data Scientist to join our Partnerships Strategy team Our partnerships bring us more than half of iwoca's new customers and power iwoca's growth. The partnerships strategy team provides guidance and support to the commercial teams through data- and test-driven analyses and recommendations. As a data scientist in the team, you'll conduct and analyse experiments and develop statistical models, in order to optimise partner engagement, pricing, and commission strategies. Your work will directly shape how we strengthen partner relationships, maximise profit, and improve customer acquisition efficiency. The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The function iwoca's Data Scientists specialise in supervised machine learning, statistical inference and exploratory data analysis, focusing on tabular and time series data. Our work emphasises quantitative predictions through the analysis of conditional probabilities and expectations, using medium-sized datasets. The team The Partnership Strategy team is a small, interdisciplinary group of five, including commercial strategy, business analysis, and data science. They work closely with commercial teams, translating business decisions into quantitative problems and delivering insights in a clear, actionable way. The role As the senior data scientist in Partnerships Strategy, you will be responsible for planning, carrying out, and explaining various experiments as well as developing models to predict partner and customer behaviour. Projects we are currently working on include: Introducer business model test: How do introducers' operations, customer bases, and preferences differ from one another? Is there any benefit in offering different types of services or treatments to different introducers? If so, how can we determine these? Pricing strategy testing: How can we use pricing to encourage partners to send us more applications or sell more loans overall? Relationship management testing: How much time is needed to build and maintain strong relationships with brokers and partners of a given size, and how many staff members do we need for this? Operations task management testing: What tasks, such as reminding brokers to submit documents or draw down funds, should account managers be doing? How should they be doing them, e.g. through emailing or through phone calls? How many staff members do we need for this? The requirements Essential: Strong problem-solving skills in probability and statistics, ideally from a quantitative background (e.g., Engineering, Mathematics, Physics, Statistics, or similar fields). Proficiency with data manipulation and modelling tools, e.g. pandas, statsmodels, R. Experience with scientific computing and tooling, e.g. NumPy, SciPy, R, Matlab, Mathematica, BLAS. Self-starter with ability to work autonomously and efficiently manage projects end-to-end. Excellent communication skills, with the ability to adjust your communication style and technical detail based on the audience. Expert understanding of Bayesian statistics, and ideally should be comfortable with hierarchical Bayesian models. Bonus: Experience building machine learning models from scratch (e.g. creating custom optimisers). Advanced knowledge of stochastic processes and related mathematical techniques. Experience with Python (our primary programming language). Knowledge of financial concepts (e.g. calculations with deterministic cash flows). The salary We expect to pay from £70,000 - £120,000 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, Frankfurt, and Berlin 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 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: See iwoca benefits & policies for detail and some additional benefits. See interview welcome pack to learn more about the process.

We're looking for a Product Owner - Finance Tech Team You'll be working with a team of developers to enable iwoca's growth through seamless customer payments and reliable financial data. About us Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to over 100,000 businesses since we launched in 2012 and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The role Roadmap Development and Commercial Alignment: Gather, shape and prioritise roadmap items, feature requests and maintenance needs. Act as the main point of contact for business stakeholders to make sure that the team and the business stay aligned on progress and goals. Define and communicate the strategic direction and goals for an engineering team. Technical Oversight and Problem-Solving: Collaborate with engineers to break down complex technical challenges into manageable components. Facilitate effective problem-solving within the team, fostering agility and adaptability. Work with stakeholders and engineers to craft comprehensive product and feature requirement documents that align business objectives and user needs. Feature Delivery and Monitoring: Plan, scope, and deliver projects, managing intermediate milestones and removing blockers. Set clear goals and work with the engineers in the team to balance delivery responsibility across the team. Ensure the quality of delivery, by following up post-release to proactively find and resolve bugs. Work with business stakeholders to track success metrics and evaluate the impact of projects after they have concluded so that we can constantly learn from what we deliver. Performance Monitoring: Track and report on key performance indicators to understand our system health. Use this to work with engineers to identify and scope work to improve system health and scalability. The projects Payment providers: We will be integrating several new payment partners to facilitate payments to and from our customers. Each new partner requires collaboration with stakeholders across the business, including finance, compliance, and operations teams. Delivery will involve shaping the requirements, planning milestones, user testing and keeping the wider business up to date with progress. Reconciliation: In order to increase our Finance team's operational efficiency as we scale our reconciliation system requires updating. Work on this system requires diving into our analytics to find areas of improvement, working with finance to align on new features to build and monitoring changes over time. Loan features: We have new loan product features planned, building on previous additions like revenue-based repayments, interest-only periods, and government guarantees. The Finance tech team is responsible for core operations of all products: repayment schedules, money movements and financial reporting. The team The Finance tech team works closely with our CFO, Head of Capital Markets and Financial Operations Lead. Our team's mission is to enable growth through seamless customer payments and reliable financial data. Frictionless payments are core to iwoca's excellent customer service. Financial data is used by Finance, other business stakeholders as well as investors, so it is crucial it is up-to-date and accurate. The Finance tech team has a Tech Lead and six developers, predominantly back-end, although we have been becoming more full-stack this year. We follow Agile-inspired processes, using continuous integration and delivery, so that features go live in days or weeks, not months or years. Requirements: Essential skills: Proven experience as a Product Owner, a similar role in product management or a technical role. Delivery focused with the ability to work autonomously to make things happen. You can efficiently manage projects end-to-end. Strong problem-solving skills and willingness to think outside the box. Excellent communication skills, you tailor your communication style and the technical detail according to your audience. You are a team player with a fine balance of confidence, gravitas, humility and enthusiasm. A strong numerical or technical background. Bonus skills: Experience in finance, financial technology, payments, or accounting. Compensation: We expect to pay from £60,000 - £80,000 for this role. However, we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates and regularly remunerate staff for their increasing value to our business. Benefits: We prioritise a culture of learning, growth, and support, investing in the professional development of our team members. You'll have access to ample opportunities for skill-building, mentorship, and career progression. Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life. Our benefits include: Medical insurance from Vitality, including discounted gym membership. 25 days' holiday, an extra day off for your birthday, and the option to buy or sell an additional 5 days of annual leave. Instant access to emotional and mental health support with our partner, Spill. Share options. Generous maternity and paternity leave. A nursery tax benefit scheme to help you save money. Paid volunteering day to support your chosen charity. Extra leave if you want to travel or study. One-month fully paid sabbatical after 4 years. Cycle-to-work scheme. Electric car scheme. An L&D budget for everyone, including a book budget. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse. Useful links: iwoca benefits & policies Interview welcome pack

We're looking for a Finance Analytics & Reporting Lead We are looking for a dynamic and energetic Senior Analyst to join us to support the entire breadth of our Finance function's work. This will require someone who enjoys delivering solutions that solve problems. A strong technical background is essential for this role. We are looking for candidates with experience in data engineering, reporting and analysis, project management and stakeholder engagement. Finance expertise is welcome but not required. About us Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service. Your mission The Finance function at iwoca encompasses a wide range of tasks, including procuring investment from capital markets, building financing facilities, managing cash flow and banking systems, financial accounting, forecasting, covenant monitoring, liquidity management, and more. The Finance Analytics and Reporting (FAR) team plays a pivotal role in supporting these functions by providing data engineering, interpreting and leveraging business data, producing models, and building the reports and tables that underpin the Finance team's operations. To excel in this role, you will need strong stakeholder engagement skills, an outcome-focused mindset, and analytical expertise. You will be working with complex data sets, collaborating across teams, and delivering actionable insights that support the Finance function at iwoca. Key Responsibilities: Manage and collaborate with multiple stakeholders, both within and adjacent to the finance function. Deliver multiple projects, ensuring that stakeholder needs are met. Manage a suite of reporting and core data tables, ETL processes, Snowflake and Looker for data analysis and presentation. Requirements Experience of stakeholder management is required. Proficiency in handling data through ETL processes and Looker using SQL and Python is highly desired. We are in the process of switching to Snowflake. A working knowledge of Snowflake is therefore highly desired. Basic knowledge of finance would be helpful. Regardless of background there will be a step learning curve in this area. Current and upcoming projects: Automate accounting processes: Automation of accounting processes by managing the monthly posting of the loan book positions to Netsuite. This is crucial for our reconciliation processes and for accurately analysing and representing our financials within our accounts. (Note that no prior Netsuite experience is required). Liquidity and financial modelling: develop complex models of our bank accounts, financing facilities, and future issuance. Create a comprehensive view of how these elements interact to support decision-makers and optimise capital allocation through effective KPIs. Shape financial data strategy: Drive the financial data strategy by enhancing quality and access to loan data and improving the quality and accessibility of Netsuite accounting data. This data supports unit costing analysis and reporting across various teams. Collaborate with finance stakeholders: Conduct ongoing discovery sessions with key finance stakeholders, including Capital Markets, Financial Operations, Financial Planning & Analysis, and Accounting, to understand their specialised needs. Provide solutions tailored to their goals and ensure that available analysis and tools are effectively integrated into their workflows. Provide accurate and complete reporting: Provide high quality dashboards covering financial results, covenants and other metrics. 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 We put a lot of effort into making iwoca a brilliant place to work: Offices in London, Leeds, and Frankfurt with plenty of drinks and snacks. Events and clubs, like bingo, comedy nights, yoga classes, football, etc. The benefits Medical insurance from Vitality, including discounted gym membership. A private GP service (separate from Vitality) for you, your partner, and your dependents. 25 days' holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. A one-month, fully paid sabbatical after four years. Instant access to emotional and mental health support. 3% Pension contributions and share options. Generous parental leave and a nursery tax benefit scheme to help you save money. Cycle-to-work scheme and electric car scheme. Two company retreats a year, we've been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: A learning and development budget for everyone. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse. Useful links: iwoca benefits & policies

Data Scientist - Ops Hybrid in London, UK We're looking for a Data Scientist As a data scientist in our Operations Strategy team, you'll help us use data-driven insights to make strategic improvements to the service our Operations teams provide to our customers. The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The role As a Data Scientist in our Operations Strategy team, the data-driven insights that you produce will help us make strategic improvements to our ways of working in our UK and Germany Operations teams (currently c.180 people, across London, Leeds, and Frankfurt). You will play a crucial role working to set up and analyse tests, and to build statistical models which will allow us to better understand the value of the work carried out by our Operations teams. This allows us to continue improving the efficiency and effectiveness of our Operations teams, all while maintaining an exceptional level of customer service. Strategy and innovation: You'll work very closely with the Head of Operations Strategy, Operations staff and other stakeholders to ensure that your work aligns closely with business goals and achieves valuable commercial outcomes. Design experiments to compare the performance of different strategies and evaluate them rigorously to make unbiased decisions. Share your findings and modelling with the wider business to impact our strategy. We live and breathe data as a company, so Data Scientists have a key role in the decision-making. Ownership and influence: Independently build data science solutions and statistical models to solve our business problems, with full responsibility in the solution design. Promote analytical rigour within the team, ensuring that our experimental designs are correctly defined and that we evaluate tests without bias. In-depth expertise: 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 deep 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 ROI 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 brilliant place to work: Offices in London, Leeds, and Frankfurt with plenty of drinks and snacks. Events and clubs, like bingo, comedy nights, yoga classes, football, etc. The benefits 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.

The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The role We are looking for an experienced Head of Credit Risk with a strong analytical background, to lead the credit risk function for our lending portfolio in Germany. You will work closely with the Chief Credit Officer, the General Manager for Germany, our data scientists, and teams from across the business to ensure our risk management frameworks, scorecards, and lending strategies are effectively managing credit risk while maximising value creation. Responsibilities include: Being the responsible expert on all things related to credit risk management Driving informed decision-making to set credit risk appetite appropriately for the economic conditions and iwoca's business plan. Developing credit risk management policies and control frameworks, and actively managing adherence. Setting the credit risk agenda aligned to the business strategy, and providing strong leadership to the credit risk team to drive its delivery. Monitoring credit performance on aggregate and by segment. Proactively driving corrective action where required. Driving improvements to credit risk scorecards, associated scoring processes, and data infrastructure. Providing credit risk expertise to support product development when launching new features, e.g. longer terms, interest only, etc. Supporting the capital markets team by providing credit risk expertise to ensure funding vehicles are set up to provide sufficient capacity, flexibility, and resilience at an appropriate cost. Communicating with equity and debt investors as required around loan book credit performance. The team: You'll join the Credit Risk team, whose primary focus is managing the credit risk profile of our lending portfolios to support iwoca's broader business goals and mission. As Head of Credit Risk for Germany you will be a key member of the team focused on the development of our lending business in Germany. The requirements Strong analytical background: a degree in Mathematics, Physics, Engineering, or similar quantitative field; or equivalent experience. 7+ years experience in credit risk and lending strategy optimisation at a traditional or Fintech lender. Passion for analytical problem-solving, with a strong track record in developing conceptual frameworks and technical execution. This will include the ability to personally conduct data-driven analysis and guide this work through others. Experience using Python is a plus. Excellent understanding of the statistical techniques and machine learning methods used in credit risk analysis and modelling. Guiding the work of data scientists is an important part of this role. Excellent communication, stakeholder management, and leadership skills. Strong commercial instincts. Experience of the German lending market, SME lending, and German language skills are all beneficial. The salary We expect to pay from €125,000 to €160,000 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 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 company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The role We are looking for an experienced Head of Credit Risk with a strong analytical background, to lead the credit risk function for our lending portfolio in Germany. You will work closely with the Chief Credit Officer, the General Manager for Germany, our data scientists, and teams from across the business to ensure our risk management frameworks, scorecards, and lending strategies are effectively managing credit risk while maximising value creation. Responsibilities include: Being the responsible expert on all things related to credit risk management Driving informed decision-making to set credit risk appetite appropriately for the economic conditions and iwoca's business plan. Developing credit risk management policies and control frameworks, and actively managing adherence. Setting the credit risk agenda aligned to the business strategy, and providing strong leadership to the credit risk team to drive its delivery. Monitoring credit performance on aggregate and by segment. Proactively driving corrective action where required. Driving improvements to credit risk scorecards, associated scoring processes, and data infrastructure. Providing credit risk expertise to support product development when launching new features, e.g. longer terms, interest only, etc. Supporting the capital markets team by providing credit risk expertise to ensure funding vehicles are set up to provide sufficient capacity, flexibility, and resilience at an appropriate cost. Communicating with equity and debt investors as required around loan book credit performance. The team: You'll join the Credit Risk team, whose primary focus is managing the credit risk profile of our lending portfolios to support iwoca's broader business goals and mission. As Head of Credit Risk for Germany you will be a key member of the team focused on the development of our lending business in Germany. The requirements Strong analytical background: a degree in Mathematics, Physics, Engineering, or similar quantitative field; or equivalent experience. 7+ years experience in credit risk and lending strategy optimisation at a traditional or Fintech lender. Passion for analytical problem-solving, with a strong track record in developing conceptual frameworks and technical execution. This will include the ability to personally conduct data-driven analysis and guide this work through others. Experience using Python is a plus. Excellent understanding of the statistical techniques and machine learning methods used in credit risk analysis and modelling. Guiding the work of data scientists is an important part of this role. Excellent communication, stakeholder management, and leadership skills. Strong commercial instincts. Experience of the German lending market, SME lending, and German language skills are all beneficial. The salary We expect to pay from €125,000 to €160,000 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 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.

Join one of Europe's leading Fintech startups. iwoca is breaking down the barriers that stop Europe's 20 million small businesses from accessing finance. We believe finance should make life easier, not harder, for small businesses. When small businesses go to traditional lenders they are forced to deal with long waits, absurdly rigid criteria, and impersonal bureaucracies. We believe small businesses deserve a financing service that strips out the hassle; that gets to know each customer's needs; that generates opportunities instead of problems. iwoca is finance, custom-built to expand possibilities for small business. We're still near the start of our journey - our aim is to finance one million small businesses within a decade and we need more smart, hands-on people to help us reach this goal. We work hard to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that diversity isn't an optional add-on, it's the core ingredient of what makes us great. About the role: At iwoca we are dedicated to building the smartest lending platform in the world as we believe that finance should be as simple, seamless and powerful as electricity. We like to use Agile(ish) processes, which means features or projects go live in days or weeks rather than months or years. We run our Django-powered site on AWS, use asynchronous tools (Twisted, Celery) for time-consuming tasks and scientific libraries (numpy, scipy, pandas) for risk aspects. Application orchestration is done with Docker/Terraform/ECS and our monitoring is set up using DataDog/Sentry. In this role, you'll have the opportunity to learn lots on the job and develop rapidly within a high performing team of engineers. We want to pay all of our employees fairly, so that's why we regularly benchmark salaries based on market rates and to recognise your increasing value to our business. We are ideally looking to pay between £45,000 - £90,000 DOE for this role, this isn't fixed so let us know in your application what you are looking for. We know there may be some candidates who may not fit within this salary range, if this is the case we would still love to hear from you. Requirements: We look for people that are smart, humble, motivated and who are always looking to improve. Ideally, you'll have: Very strong numerate background, e.g. Degree in Computer Science, Engineering, Mathematics, Physics or equivalent A high technical aptitude and strong attention to detail Experience programming in Python / Django (but we will definitely consider ambitious graduates looking to kickstart their career) Self-starter with ability to work autonomously in an unstructured environment Understanding of web technologies Industry experience with full stack architecture Relational databases (esp. PostgreSQL) Willingness to learn! Not required but would be great to see: Typescript / React Experience with Docker - Flexi-working Retreats abroad Medical insurance from Vitality, including discounted gym membership Therapy sessions from Spill Share options Enhanced maternity and shared parental leave A workplace nursery tax benefit scheme 25 days holiday per year and an extra day off on your birthday, Unlimited unpaid leave Paid volunteering day Special celebrations for anniversaries and long service including sabbatical Cycle-to-work scheme L&D budget Book budget Company-wide talks with internal and external speakers Access to learning platforms like Treehouse if you want to learn to code Telephone Call Tech Test Technical interview Cultural interview Offer Python, DjangoPython, Django, PostgreSQL, Typescript, React, Docker

Launched in 2020 iwocaPay is on a mission to get sellers paid. Late payments are one of the biggest challenges for the UK's 5.9 million SMEs, estimated to be chasing as much as £50 billion worth of payments. Taking up significant amounts of small business owners' time and paralysing their cash flow, late payments are a key constraint on many SMEs' ability to grow and in some cases threaten their very survival. In 2016 alone, late payments resulted in the bankruptcy of 50,000 businesses and the situation has only deteriorated since 2020. While several solutions have emerged to make accepting payments easier online and offline, their fees are often unattractive and fundamentally, they don't address the core problem of providing credit. Which is where iwocaPay comes in. A flexible payments solution designed to get SMEs paid whether their customers prefer to pay now, through open banking, or take advantage of 90 day terms with affordable buy-now-pay-later financing, iwocaPay's simple pay links make payments painless for SMEs. Sellers can get started for free, payouts are instant and if they'd like guidance on how to optimise their payments strategy our Account Managers are just a phone call away. It's an exciting time at iwocaPay. 18 months on from launch we've validated our initial MVP focused on getting sellers' invoices paid, achieved product-market fit and now we're preparing to scale in this evolving market. Today iwocaPay is at the forefront of some of the hottest trends in fintech, such as buy-now-pay-later for B2B space and embedded finance. But going forward we want to expand our offering to support more use-cases and customer types, ensuring iwocaPay continues to offer the best B2B payments solution for small businesses. A small, but fast growing team, iwocaPay is a friendly group of engineers, designers and product specialists collaborating to create a payments solutions fit for today's small businesses. With an open culture that encourages agency and initiative, we're always supporting people to take on new challenges and grow their skills. Requirements: We look for people that are smart, humble, motivated and who are always looking to improve. Ideally, you'll have: A high technical aptitude and strong attention to detail Experience programming in Python / Django Self-starter with ability to work autonomously in an unstructured environment Understanding of web technologies Industry experience with full stack architecture Relational databases (esp. PostgreSQL) Willingness to learn! Not required but would be great to see: Typescript / React Experience with Docker - Flexi-working Retreats abroad Medical insurance from Vitality, including discounted gym membership Therapy sessions from Spill Share options Enhanced maternity and shared parental leave A workplace nursery tax benefit scheme 25 days holiday per year and an extra day off on your birthday, Unlimited unpaid leave Paid volunteering day Special celebrations for anniversaries and long service including sabbatical Cycle-to-work scheme L&D budget Book budget Company-wide talks with internal and external speakers Access to learning platforms like Treehouse if you want to learn to code At home Full stack test (optional, but extended coding interview process will be required if skipped) Virtual on-site interview, covering programming, system design, and product / team PythonPython, Django, Typescript, React