Tech Lead, iwoca
Repeats
£100-160k
+ Share Options
Online loans for small businesses
Be an early applicant
Online loans for small businesses
201-500 employees
Be an early applicant
£100-160k
+ Share Options
201-500 employees
Company mission
To fund one million small businesses.
Role
Who you are
- Expertise in systems architecture, including designing and managing complex domain models
- Advanced proficiency in software development using an object-oriented language
- Experience delivering and operating live customer-facing systems in a production environment
- Experience leading a team of engineers, including line management. Excel at balancing hands-on coding and project delivery with strategic planning, while developing the engineers you manage
- Product-focused mindset, with experience working with stakeholders such as Product and Strategy to turn unclear business problems into clear, actionable technical solutions
- Pragmatism in making high-stakes technical decisions, weighing trade-offs and explaining the impact on customers, timelines, and business goals
- Clear, concise written and verbal communication, prioritising the most relevant information and focusing on outcomes and impact
Desirable
- Experience with Python, Django, or PostgreSQL
- Familiarity with data analytics or machine learning processes
- Experience with complex data architectures, including event-sourced data models
- Numerical or technical background, ideally with a degree in maths, physics, computer science, engineering, or a related field
- Front-end development experience
What the job involves
- The Repeats team manages the lending strategy and digital user experience of our recurring customers
- They own all the product decisions that occur after a customer has taken their first funding
- This includes the user journey for repeat customers, the eligibility, and document requirements for repeat applications, the offer terms (such as offered amount or pricing), among other things
- The team continuously experiments with new product ideas and ensures these are delivered through an intuitive, high-performing digital experience
- It has all the skills it needs to deliver this, including engineering, product, data, and design working together to align the strategy with customers needs and business goals
- As the Tech Lead in the Repeats team, you will guide both the technical architecture and the engineers responsible for its delivery
- You will lead the design and development of systems that intelligently route existing customers to the most appropriate credit assessment process and the most appropriate offer terms, based on their unique profile and needs
- This means moving beyond static rules to build scalable, adaptive systems that integrate real-time data and business logic
- This is a hands-on leadership role, from ideas to delivery with a focus on the long term, where you will manage the team's engineers, own the technical roadmap, and actively contribute to the codebase
- Own the technical road map for the Repeats team, re-architecting the team’s code to meet ambitious and dynamic challenges. This includes supporting a transition from rules-based to models-driven strategies
- Lead the evolution of our system architecture to optimise customer journeys and enhance decision-making and offer generation processes
- Collaborate with Tech Lead's in other teams to design and deliver a coherent system, with support from org-wide teams like a DevOps team
- Be an active, hands-on contributor to the codebase, leading by example in quality, testing, and performance
- Drive the technical strategy and execution for the Repeats team’s projects, translating product goals into well-architected, production-ready code
- Proactively identify and resolve technical debt and production issues, ensuring the long-term health and stability of the systems you own
- You will be the direct line manager for three engineers, responsible for their performance, coaching, and career development
- You will define and champion engineering best practices and standards, both within your team and as a senior leader in the wider engineering group
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
$15.8m
SERIES D
Aug 2019
$13.4m
GRANT
Total funding: $113.6m
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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