Senior Backend Engineer, iwoca
Customer Operations Platform
£80-100k
+ Employee equity incentive scheme
1-2 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
£80-100k
+ Employee equity incentive scheme
1-2 days a week in office
201-500 employees
Company mission
To fund one million small businesses.
Role
Who you are
- Experience developing and owning shared back end services that other engineering teams contribute to and depend on - being the trusted reviewer for their contributions and shaping how they build on top of your work
- Familiarity with front-end technologies (React, TypeScript) and browser debugging
- Experience building and shaping distributed systems in complex business domains
- Ability to translate complex operational needs into technical architecture
- Strong capability using AI tools to automate routine tasks and research, enabling greater focus on complex system architecture and critical technical decision-making
- You use AI (Cursor, Claude Code or similar) in your daily flow – whether for work or for fun. You use it to blast through boilerplate and research so you can focus on the hard parts: complex architecture, rigour and high-stakes decisions
Desirable
- Commercial experience with Python frameworks like Django
- Experience with complex data architectures, including event-sourced data models
What the job involves
- Iwoca’s operational tools and processes are a competitive advantage, allowing us to give great customer service, manage risk, and get money into our customers’ hands as quickly as possible
- You’ll join our growing Customer Operations Platform team to help improve the systems that power these processes, building tailored flows for our Operations teams, automating processes using AI, using ML models to make smarter decisions, and improving the reliability of our communication services
- You’ll work closely with our Operations teams, getting user feedback and input on requirements from users working in the same building, and seeing the impact of your changes on the people you work with
- As a senior engineer you’d take whole projects end to end, work out what' s actually needed, design it, build it and look after it in production
- Responsibility and Autonomy:
- Take the lead on complex projects that span many systems and many stakeholders — e.g. CRM, telephony, contact, and task management
- Build a strong understanding of the business context: how our ops teams actually work, how the processes you're automating are supposed to run, and what the people relying on your systems need from them
- Do the detailed technical scoping and prototyping that tells us whether an idea is feasible before it reaches the roadmap
- Delivery and Collaboration:
- Take on complex coding and architecture problems with a high level of ambiguity and technical complexity
- Write fluent technical documents and developer tickets distilling product requirements into clear and actionable technical work
- Build relationships with key stakeholders including Operations Strategy, Credit Analysts, Account Managers, and Collections teams
- Learning and Growth:
- Mentor junior developers, fostering a learning environment that encourages experimentation and innovation
- Embody our growth mindset mentality by sharing new technologies and best practices within the team as well as more broadly across the company
- Here are some of the most recent problems we are solving:
- IwocaChat. Operations staff spend a large share of their day assembling context from multiple systems before they can help a customer. iwocaChat uses Claude to answer those questions directly, so staff spend their time on the customer rather than the lookup
- Migrating the monolith. We are incrementally moving business logic out of our Django monolith into smaller, independently deployable services. Because it cuts across every domain, you'd be shaping service boundaries and ownership models that stick around long after the monolith is gone
- Inbox messaging reworking. We are replacing our third party email inbox application with an inhouse solution, utilising AI to enable operations staff to automate the actions of our most frequent customer service enquiries
Application process
- We’re open-minded, so definitely include your salary goals with your application
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
$16m
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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