iwoca Ltd

Technical Sourcer - 12-month FTC Hybrid in London, UK We're looking for a Technical Sourcer. You will map, source and hire exceptional software engineers, data scientists and product professionals who raise the bar within high-performing teams. 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 Our Tech Talent team hires software engineers, data scientists, and product professionals with a data-driven, objective approach that prioritises quality, fairness, and consistency in our recruitment processes. We use systems like Ashby, LinkedIn Recruiter, and Welcome to the Jungle (Otta) for hiring, and harness our hiring data to share insights that support informed decision-making. The team encourages innovation and experiments with technologies like Generative AI (GenAI) and Large Language Models (LLMs) to work more effectively. The role This role focuses on hiring for our Tech, Analytics, and Product (TAP) department. You'll help secure the talent behind iwoca's data-intensive systems; Autonomy : Map, identify and approach exceptional software engineers and other specialists. Use sourcing tools, build pipelines, collate insights, and shape hiring strategies. Stakeholder partnership : Work closely with hiring managers and senior leaders to define roles, set hiring standards, and run smooth, consistent processes for candidates and interviewers. Ownership : Own the process from collating salary benchmarking data and sourcing to interviews, closing offers and pre-onboarding, maintaining visibility throughout. The requirements Essential: At least 5 years of experience sourcing high calibre back-end software engineers and assessing the complexity and impact of their past projects, ideally with expertise in Python, Django, Rust, Golang, and relational databases. A track record building tech teams in a fast-paced scale up or high growth product focused organisation. Emotional intelligence demonstrated through thoughtful questions, active listening, empathy, and strong relationships with candidates and stakeholders. Organised and pragmatic approach, with the ability to prioritise in a fast-paced environment while maintaining accuracy in documentation, process, and candidate data. Proficiency with Applicant Tracking Systems (ideally Ashby) to manage pipelines, automate workflows, keep hiring on track, and set up self-serve reporting. Ability to run semi-technical interviews, assessing how candidates apply knowledge, explain ideas, and contribute in practice. Bonus: Experience hiring across other technical roles, including data scientists (especially those using probabilistic models), data engineers, product managers, and front-end or full-stack developers. Ability to test new sourcing tools and methods, and adapt based on evidence and feedback. Confidence using data and metrics to assess and improve processes. Fluency with AI tools. Clear, direct communication when aligning with stakeholders on hiring needs, candidate feedback, and decisions. The salary We expect to pay from £50,000 - £70,000 for this role. But, we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services. The offices We put a lot of effort into making iwoca a brilliant place to work: Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and clubs, like bingo, comedy nights, yoga classes, football, etc. The benefits Flexible working. Medical insurance from Vitality, including discounted gym membership. A private GP service (separate from Vitality) for you, your partner, and your dependents. 25 days' holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. A one-month, fully paid sabbatical after four years. Instant access to emotional and mental health support. 3% Pension contributions and share options. Generous parental leave and a nursery tax benefit scheme to help you save money. Cycle-to-work scheme and electric car scheme. Two company retreats a year, we've been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: A learning and development budget for everyone. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse.

Senior Product Designer - iwoca Germany (DE) Hybrid in London/Leeds, UK or in Berlin/Frankfurt, DE We're looking for a Product Designer to join our iwoca Design team As the Senior Product Designer for Germany, you will own the end-to-end user experience for a key market. You will have the autonomy to shape the future of iwoca's product in Germany, discovering new opportunities and developing solutions that provide a seamless and valuable experience for our customers. You'll work with product and engineering teams in both Germany and the UK to deliver designs that have a direct impact on the success of small businesses. 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 Germany Product Team is a fully autonomous unit dedicated to serving our German market. The team includes specialists in front-end and back-end development, product management, data science, and analytics. As the embedded designer, you will collaborate on everything from launching new products to refining customer experiences. This integrated, cross-functional approach allows the team to address complex challenges, iterate quickly, and build solutions that shape how thousands of businesses succeed. The role As the Senior Product Designer for Germany, you will be responsible for the entire design lifecycle, from initial concept to polished user interface. This is a strategic role that also requires hands-on execution. Autonomy and vision Develop and champion the strategic vision for the customer experience in the German market. Shape a new credit product from the ground up, offering greater flexibility to support small businesses. Help maintain and evolve our reusable Design System to ensure coherence and quality. Impact and collaboration Work with product managers and engineers to build user-centred solutions that solve real-world user pain points and meet business goals. Design interactive tools, like a loan builder, to guide customers to the right product for their needs. Use data from web analytics and A/B testing to iterate on designs that directly improve conversion and user satisfaction. Growth and learning Conduct user research and usability testing to uncover pain points and validate your design solutions. Establish and monitor user feedback loops to build a culture of continuous improvement. Identify and act on opportunities for improvement based on both qualitative and quantitative data. Some example projects are: Designing an interactive loan builder to guide small business owners through their options and help them find the product that best fits their needs. Creating a more engaging experience for existing customers - one that recognises their growth and deepens their partnership with iwoca. Shaping a new credit product that offers greater flexibility to support small businesses on their path to success. The requirements Essential: Experience working in a product design setting focussed on conversion and commercial goals. A customer-first, data-driven approach to design, with a knack for balancing business needs with user empathy. Experience in planning and conducting moderated and unmoderated user research studies with customers. Experience working in a cross-functional team that includes product managers and engineers. Proficiency in design tools (e.g. Figma, Adobe Creative Suite) with strong prototyping and interaction design skills. Experience working with Product Managers and analytics data/tools to drive design decisions. An understanding of A/B testing, conversion metrics, and user behaviour. The ability to work autonomously and complete projects. Excellent communication skills and the ability to adjust your communication style to the audience. Bonus: Knowledge of basic concepts in front-end development, and basic familiarity with some front-end frameworks. Experience working directly with business stakeholders. Experience working in the B2B space. The salary We expect to pay from £65,000 - £75,000 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 (location dependent) 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, 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.

Technical Recruiter - 12-month FTC Hybrid in London, UK We're looking for a Technical Recruiter. You will map, source and hire exceptional software engineers, data scientists and product professionals who raise the bar within high-performing teams. 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 Our Tech Talent team hires software engineers, data scientists, and product professionals with a data-driven, objective approach that prioritises quality, fairness, and consistency in our recruitment processes. We use systems like Ashby, LinkedIn Recruiter, and Welcome to the Jungle (Otta) for hiring, and harness our hiring data to share insights that support informed decision-making. The team encourages innovation and experiments with technologies like Generative AI (GenAI) and Large Language Models (LLMs) to work more effectively. The role This role focuses on hiring for our Tech, Analytics, and Product (TAP) department. You'll help secure the talent behind iwoca's data-intensive systems; Autonomy : Map, identify and approach exceptional software engineers and other specialists. Use sourcing tools, build pipelines, collate insights, and shape hiring strategies. Stakeholder partnership : Work closely with hiring managers and senior leaders to define roles, set hiring standards, and run smooth, consistent processes for candidates and interviewers. Ownership : Own the process from collating salary benchmarking data and sourcing to interviews, closing offers and pre-onboarding, maintaining visibility throughout. The requirements Essential: At least 5 years of experience sourcing high calibre back-end software engineers and assessing the complexity and impact of their past projects, ideally with expertise in Python, Django, Rust, Golang, and relational databases. A track record building tech teams in a fast-paced scale up or high growth product focused organisation. Emotional intelligence demonstrated through thoughtful questions, active listening, empathy, and strong relationships with candidates and stakeholders. Organised and pragmatic approach, with the ability to prioritise in a fast-paced environment while maintaining accuracy in documentation, process, and candidate data. Proficiency with Applicant Tracking Systems (ideally Ashby) to manage pipelines, automate workflows, keep hiring on track, and set up self-serve reporting. Ability to run semi-technical interviews, assessing how candidates apply knowledge, explain ideas, and contribute in practice. Bonus: Experience hiring across other technical roles, including data scientists (especially those using probabilistic models), data engineers, product managers, and front-end or full-stack developers. Ability to test new sourcing tools and methods, and adapt based on evidence and feedback. Confidence using data and metrics to assess and improve processes. Fluency with AI tools. Clear, direct communication when aligning with stakeholders on hiring needs, candidate feedback, and decisions. The salary We expect to pay from £50,000 - £70,000 for this role. But, we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services. The offices We put a lot of effort into making iwoca a brilliant place to work: Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and clubs, like bingo, comedy nights, yoga classes, football, etc. The benefits Flexible working. Medical insurance from Vitality, including discounted gym membership. A private GP service (separate from Vitality) for you, your partner, and your dependents. 25 days' holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. A one-month, fully paid sabbatical after four years. Instant access to emotional and mental health support. 3% Pension contributions and share options. Generous parental leave and a nursery tax benefit scheme to help you save money. Cycle-to-work scheme and electric car scheme. Two company retreats a year, we've been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: A learning and development budget for everyone. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse.

We're looking for a People Director iwoca's People Director will be responsible for ensuring iwoca is hiring, developing and retaining the people we need to achieve our business goals, and those people truly love being part of iwoca. They will build a world-class People function that drives our next phase of growth. You'll be a commercially astute leader, who is the most senior people leader in the business. You will shape the people strategy, act as a key strategic partner to the business, and safeguard our culture as we scale. About us 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 it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need - often within minutes. Your mission As People Director, you shall: Define and set the strategy for each team; you'll be curious about every area of People Operations and look for ways in which we can become even more efficient and effective at hiring, retention, learning & development, performance management, paying fairly etc. across the company Ensure iwoca is investing smartly in its People Ops team, benefits, policies and real estate in order to support the needs of the business. Have the courage and commercial acumen to smartly dial investment up or down as required to deliver the needs of our fast changing community and its requirements Be a guardian and steward of our culture, have a strategy for how to ensure iwoca maintains what makes it special and keeps it vibrant as we continue to expand our team and scope Mentor, develop and work closely with your People Ops team (currently 14 people) In your role, you'll balance day-to-day delivery of operational people processes with more strategic work that helps to drive greater efficiency and quality of each People function. Examples of projects you will lead include: Analyse recruitment funnel data and work with Talent Partners to identify ways of improving our recruitment strategies to more efficiently find the right talent to fill roles, e.g. by optimising how we leverage agencies, referral bonuses, recruitment platforms, etc. Review the effectiveness of our performance management processes across iwoca, avoid that they become stale, and identify ways of making such processes more useful and less onerous Own iwoca's ESG strategy, to ensure we are delivering against commitments we've made to our customers and lenders regarding our environmental and social impact Analyse how we are investing in iwoca's employee benefits and shape a competitive value proposition which delivers bang-for-buck Requirements At least 10 years' experience in a senior management role, where you've been instrumental in driving organisational performance and a healthy team culture; you take a clear and strategic approach for doing so Ideally, you'll have experience of leading a People Operations team as well as experience of being a leader in another area of the business which has been supported by a People Ops team; you'll have experienced first-hand where a such a team can (or ought to) add value both from the perspective of being its leader and its stakeholder Experience of working within a high-growth tech scale-up; it doesn't matter which sector(s) you have worked in previously (no experience of Financial Services? That's fine); what's more important is that you have worked at different organisations in terms of size, culture, management challenges, etc., and you thoughtfully distill what you have learnt and apply it to achieve great results at iwoca Strong logical reasoning skills and critical thinking - you'll apply this in every area of people operations to ensure that all decisions are well thought through, with a clear and accurate understanding of the problem and justification for the optimal solution. You're able to structure your thinking and communicate your ideas really effectively A "first principles" approach to people strategy; we're looking for someone who can innovate and tailor strategies specifically for iwoca Commercial acumen, able to make smart decisions about where to invest and get most bang for buck (in terms of benefits, office space, etc.) Excellent project management skills, you know how to scope and implement projects which enhance our people strategy or drive operational improvements, and manage stakeholders through that process Superb ability to manage up, down and side-ways; you'll be one of the most networked and well-trusted people in the organisation, you'll connect easily with people at every level of the organisation and be able to engage and influence in every direction Humility and empathy Sound judgement and gravitas A strong desire to learn and develop both yourself and others This role will cover both UK and Germany, so understanding of both UK and Germany employment law would be a big plus The salary We expect to pay from £110,000 - £150,000 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 offices We put a lot of effort into making iwoca a brilliant place to work: Offices in London, Leeds, Berlin and Frankfurt with plenty of drinks and snacks Events and clubs, like bingo, comedy nights, yoga classes, football, etc. The benefits Medical insurance from Vitality, including discounted gym membership A private GP service (separate from Vitality) for you, your partner, and your dependants. 25 days' holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave A one-month, fully paid sabbatical after four years. Instant access to emotional and mental health support. 3% Pension contributions and share options. Generous parental leave and a nursery tax benefit scheme to help you save money. Cycle-to-work scheme and electric car scheme. Two company retreats a year, we've been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: A learning and development budget for everyone. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse. Useful links: Glassdoor Kununu Trustpilot

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.