Full Stack Engineer, iwoca
Credit Cards Product Team
£80-100k
+ Share options
Online loans for small businesses
Be an early applicant
Online loans for small businesses
201-500 employees
Be an early applicant
£80-100k
+ Share options
201-500 employees
Company mission
To fund one million small businesses.
Role
Who you are
- Front-end engineering experience, ideally using React and TypeScript, including testing, consuming APIs, and accessibility
- Confidence working across the stack, including back-end development, ideally in Python
- Experience designing, building, and maintaining API endpoints
- Experience delivering high-quality, accessible UI from design tools (e.g., Figma) through to production
- Ability to communicate clearly with technical and non-technical stakeholders, focusing on outcomes and impact
Desirable
- Experience with financial products, especially payment products
- Experience with Django and PostgreSQL
- A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience
What the job involves
- The Credit Cards team is building iwoca’s newest product for small and medium-sized businesses, giving them a fast, flexible way to manage cash flow alongside our existing loans
- We're aiming to build a market-leading product, as the credit card is a core part of our long-term growth strategy
- We’re responsible for the systems, processes, and product features that will make this possible – from platform architecture and credit risk to user experience and servicing
- The team currently consists of a product manager and 4 engineers
- As a Full Stack Engineer in the Credit Cards team, you’ll lead the design of our front-end architecture and its integration with the back end, shaping how customers apply for, use, and manage their cards
- You’ll work across the stack, but with a strong focus on crafting intuitive, high-quality user interfaces
- The work will involve iterating quickly, refining solutions, and building both technical and product knowledge as the system grows
- You’ll work on engineering projects that give you scope to design new systems and deliver features that matter to customers, such as:
- Onboarding flow: Create a fast, frictionless signup experience, so customers can get approved and start using their card within minutes
- Rewards experience: Bring our cashback and partner perks to life. Build clear, engaging views that show customers what they’ve earned, how to redeem, and how to get more from their spend
- Card Management: Give customers complete control over their cards - from managing spend, to issuing new cards and managing cardholders. Build user interfaces that make the product simple to understand and use, while offering maximum flexibility
- Operational tooling: Collaborate with our Ops Strategy team to shape how we support customers at scale. Architect and build the internal tools that make resolving issues, managing disputes, and delivering great service feel seamless
Salary benchmarks
Our take
UK SMEs are the backbone of a complex economy that is constantly changing, so the need for fast and responsive access to finance is becoming more and more important to ensure their success and growth. iwoca allows SMEs access to business loans in less than a minute, with its API and business marketplace partnerships.
With offerings like iwoca's, gone are the days where waiting up to eight weeks for a loan decision was viable. Its simplified business loans of £1,000 - £500,000 come with no fees attached, and applying online takes no more than five minutes. The ready availability of iwoca loans gives business owners a level of certainty, so that they can make instant decisions to help their business grow.
iwoca has made a number of partnerships with other players in the business finance space, including an impressive industry-first invoice checkout integration with QuickBooks. Funding raised by the company, which is now operating at net profitability, will enable it to meet a recent surge in demand for corporate loans and offer more to larger SMB businesses. And the company has made several billion in funding available to over 100,000 businesses since launching, positioning itself as a leading European fintech.
Steph
Company Specialist at Welcome to the Jungle
Insights
Company
Employee endorsements
Opportunities to learn
"Great opportunities available to learn from both individuals through shadowing, and teams through presentations and even secondment opportunities -..."
Funding (last 2 of 8 rounds)
Aug 2025
$15.9m
SERIES D
Aug 2019
$13.5m
GRANT
Total funding: $113.9m
Company benefits
- Work where you work best: Twice a year we rent houses in places like Sicily and the French Alps where each team can work together for a week poolside. We champion flexible working in all our teams
- Invest in iwoca: We want people to be invested in iwoca's success so after six months you'll be awarded share options
- Keep yourself healthy: We offer comprehensive health insurance and cash plans. You'll also get gym discounts and we host yoga classes in the office every week
- Start (and end) your day right: Each floor of iwoca HQ has a fully stocked fridge for breakfast and every Friday we unwind with beers and wine
- Life-work balance: We know your life outside of work comes first. We offer enhanced maternity and paternity leave for new parents plus a nursery benefit. We also have unlimited unpaid leave
- Learning and development: Whether you want to learn to code, experiment with motion design, or beat cognitive biases, you'll have time and budget to invest in your professional development
Company values
- Motivated: Going to work shouldn't feel like a slog, so we want everyone in the team to personally care about what they're working on. We stay motivated by celebrating our wins, learning from our mistakes, and always looking for new gaps to step into
- Smart: At iwoca being smart isn't about what you know, it's about how you think. Smart thinking means looking at each problem by asking ‘why’ first, then figuring out ‘how’
- Humble: We know all ideas are flawed, all code has bugs, and everyone makes mistakes - it’s how we learn. For us, being humble means you question yourself first, rather than your team
- Growth Mindset: We think there's always a better way to solve a problem. So we never let ourselves get comfortable with being good enough
Company HQ
Fitzrovia, London, UK
Articles
Leadership
Christoph Rieche
(Co-Founder & CEO)Previously spent 7 years at Goldman Sachs as a Vice President before co-founding iwoca in 2011.
Joost Versteeg
(CMO)Joost initially joined iwoca in 2017 as an Intern. Since then, they have held a number of roles, from Growth Analyst to Head of Commercial Strategy and became CMO in 2024.
People progressing
Serita joined as a Customer Onboarder, before moving into the Broker Team. Most recently they have been promoted to Partnership Manager.
Leo joined in 2018 as a Client Onboarder. Since then, they have worked in a number of roles and now serve as the Product Manager.
Jenny originally joined the Client Onboarding team and now leads the Customer Success department for the German business.
Diversity, Equity & Inclusion at iwoca
- 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.
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