Full Stack Engineer, iwoca
New Apps
£70-80k
1-3 days a week in office
Online loans for small businesses
Be an early applicant
Online loans for small businesses
201-500 employees
Be an early applicant
£70-80k
1-3 days a week in office
201-500 employees
Company mission
To fund one million small businesses.
Role
Who you are
- Proficiency in Python with a strong background in back-end engineering
- Experience with Django, PostgreSQL, and designing, building, and managing relational databases
- Experience designing, building, and maintaining API endpoints
- Confidence working with React and Typescript
- Strong communication skills, with the ability to translate business needs into clear, effective technical solutions
Desirable
- Experience with design software, such as Figma
- Understanding of DevOps practices, including containerisation and CI/CD
- A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience
What the job involves
- We’re looking for a Full Stack Engineer to join our New Apps Team
- You’ll shape the customer journey from submitting an application to receiving a loan offer
- Your mission is to create a seamless experience that helps more businesses secure the funding they need by designing thoughtful solutions that, in turn, improve the customer experience across iwoca
- The New Applications team optimises the customer journey, from the moment a (potential) customer visits our website through to us completing a credit assessment
- By identifying and implementing the most efficient ways to convert prospects into successful applicants, the team maximises the number of businesses that get our best possible offers
- New Applications remit:
- Optimise the customer journey: Make it easy for potential customers to go from just ‘brand aware’ to enthusiastic applicants
- Strategise customer assessments: Identify how and when we run credit checks to maximise conversion rates
- Promote data efficiency: Continually improve how iwoca collects information from both applicants and third-party sources, minimising how long customers wait for their application
- As a full-stack engineer in the New Apps team, you’ll build APIs, develop services for our customer application process, and improve customer’s user interface
- You’ll use data to guide improvements and measure impact. You’ll work closely with product, design, and other iwoca teams to deliver high-quality, user-focused features
- Own features or services from idea to production, with guidance and support when needed
- Choose sensible approaches to your own problems, balancing speed and quality
- Work with your team towards a common goal, but you’ll be trusted to work independently on your part of the problem
- Improve systems critical to credit decisions, customer experience, and platform reliability
- Optimise for outcomes: lower latency, more accurate models, higher adoption
- Leave code, docs, and processes in better shape than you found them
- Work on systems that genuinely help businesses get the funding they need
- See the impact of your work quickly through real user feedback, and be guided by that feedback
- Be part of a team that values learning and experimentation, and influence how we scale our platform and evolve our engineering culture
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: $114.1m
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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