Full Stack Engineer, iwoca
iwocaPay
£55-70k
Online loans for small businesses
Be an early applicant
Online loans for small businesses
201-500 employees
Be an early applicant
£55-70k
201-500 employees
Company mission
To fund one million small businesses.
Role
Who you are
- Experience with Python web frameworks (Django / FastAPI / Flask / Starlette / Ninja)
- Experience with relational databases, ideally PostgreSQL, but open to MySQL or similar (e.g., MS SQL, Oracle); emphasis is on data integrity
- Experience integrating with third party APIs
- Confidence working across the full stack, including front-end development in (React / TypeScript / Vite / Tailwind / Astro), with a desire to learn new technologies
- Strong communication skills, with the ability to translate business needs into clear, effective technical solutions, taking features from conception (0-1)
Desirable
- Familiarity with PHP, particularly for contributing to ecommerce plugins
- 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 iwocaPay team
- IwocaPay provides trade credit and Buy-Now-Pay-Later (BNPL) solutions to businesses. The team works with hundreds of sellers to help thousands of buyers manage their cash flow, increase their purchasing power and operate with flexibility
- The iwocaPay team runs like an independent start-up within iwoca. We build trade credit and Buy-Now-Pay-Later (BNPL) solutions for businesses
- Our product helps thousands of buyers manage their cash flow and purchasing power, while supporting hundreds of sellers to offer flexible payment options
- We’re growing fast, now over 30 people strong, with seven engineers, two product managers, one designer, and a full set of operational roles
- We’re committed to doing good work and moving quickly, iterating frequently to ship features that matter
- We run daily standups and regular offsites to stay connected. We also work closely with other iwoca teams, sharing code and benefiting from shared resources, such as our dedicated DevOps team
- As a full-stack engineer in the iwocaPay team, you’ll build APIs, user interfaces, and ecommerce plugins that help suppliers get paid fast
- You’ll shape the end-to-end experience for buyers and suppliers, using data to guide improvements and measure impact. You’ll work closely with product, design, operations, and other teams to deliver high-quality, user-focused features
- Improving checkout conversion: We're testing different UX approaches and payment options to reduce friction at checkout and increase conversion for sellers using iwocaPay. This includes experimenting with offer layouts, messaging, and eligibility visibility
- Smarter credit decisions: We’re enhancing our decision engine to offer more accurate and instant credit decisions for buyers, based on real-time data. This includes refining our models to support higher-value transactions and broader customer segments
- Ecommerce integrations: We’re expanding and improving our plugins for major ecommerce platforms, making them easier for suppliers to install and use. The goal is to simplify onboarding while supporting more use cases out of the box
- Seamless use of other iwoca products: We're making it easier for our customers to access all of iwoca’s products. The goal is to create a seamless journey for customers, allowing them to effortlessly move between iwocaPay and other solutions like a Flexi-Loan or a credit card
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
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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