Jobs at iwoca

Own customer acquisition and activation for the German market, managing the funnel from first visit through loan application. Set the product roadmap, lead scoring and segmentation, and collaborate with engineering, data science, marketing, and sales. Run experiments, improve eligibility and signup flows, oversee attribution and tracking, resolve data-quality issues, and translate commercial goals into product hypotheses. Help establish processes and priorities for a newly forming cross-functional team.

Supports People Operations across the UK and Germany, including payroll, benefits administration, HR data maintenance, onboarding, offboarding, background checks, and employee queries. The role maintains BambooHR records, coordinates new-starter and exit processes, supports payroll accuracy, and manages day-to-day People processes. It requires fluent German and English, strong administrative accuracy, confidentiality, independent prioritization, and practical use of AI tools.

Design and build highly available, low-latency payment services for iwoca’s business credit card. Own backend projects end to end across authorization, transaction monitoring, rewards, testing, ledger integration, and production launch. Shape platform architecture, build microservices and APIs, work with asynchronous messaging and databases, and collaborate with product, fraud, ledger, and customer teams. The role requires expertise in production payment systems, card authorization and clearing flows, distributed systems, object-oriented backend development, and responsible use of AI engineering tools.

Support external communications, data-driven PR campaigns, product launches, media outreach, and public affairs initiatives for a fintech serving small businesses. Responsibilities include analyzing datasets, developing press narratives, drafting policy materials, engaging journalists and policymakers, and managing communications for new products. The role requires strong writing, organization, data analysis, commercial awareness, and an interest in economics, policy, and politics.

Build credit risk, pricing, credit limit, and customer lifetime value models for a business credit card. Lead analytical projects from problem framing through business decisions, using Bayesian methods to quantify uncertainty with limited data. Collaborate with commercial, product, engineering, operations, credit risk, and data science teams. Apply customer and business understanding to optimize card pricing, spending, retention, cross-sell, and combined credit exposure.

Design and analyze experiments, build statistical and machine-learning models, and use data to improve third-party acquisition through brokers and partners in Germany. The role covers funnel conversion, pre-qualification, customer take-up, lifetime value, competitive positioning, and lending offer terms. Responsibilities include framing ambiguous commercial questions, conducting causal analysis, translating findings into recommendations, collaborating with product and commercial teams, and communicating technical results clearly.

Build, deploy, monitor, and improve supervised machine learning models for credit risk and lending decisions. Own automated credit models, analyze portfolio performance, develop models for new products such as invoice financing, and contribute to risk monitoring and governance. Collaborate with product, risk, and leadership teams, communicate technical decisions clearly, and develop data pipelines and modelling practices in a small, autonomous team.

Grow manda’s M&A platform by identifying business owners preparing to sell, building targeted prospect lists, conducting personalized outreach via email, LinkedIn, and phone, following up with leads, and booking meetings with Transaction Managers. The role involves experimentation, lead scoring, analytics, credibility-building across digital channels, and using AI and automation to improve outreach efficiency.

Build and own backend services for iwoca’s Customer Operations Platform. Responsibilities include designing distributed systems, automating operational workflows with AI and ML, migrating monolith functionality into services, developing communication tools, translating operational needs into technical architecture, and collaborating with operations and engineering stakeholders. The role also involves technical scoping, prototyping, documentation, code review, and production ownership.

Own data science projects supporting partner lending decisions, with a focus on experiment design, causal inference, model building, and funnel analysis. Translate ambiguous commercial questions into actionable analyses, collaborate with product, commercial, strategy, engineering, and design teams, and communicate findings clearly. Help establish analytical methods, evaluate customer journeys and offers, and use AI tools responsibly to accelerate analysis and prototyping.

Recruit software engineering, data science, and product talent end-to-end. Partner with hiring managers on role discovery, sourcing strategy, candidate assessment, and hiring decisions. Build market maps, run outbound campaigns, calibrate candidate standards, measure hiring outcomes, improve workflows, and experiment with AI and outreach methods. Maintain accurate ATS data, advise stakeholders, and develop expertise in technical hiring while delivering an objective, high-quality candidate experience.

Build and own backend acquisition technology for iwoca’s German market. Responsibilities include designing Python backend systems, relational databases, data pipelines, REST APIs, HubSpot tooling, third-party integrations, lead-value and attribution systems, and production machine-learning features. The role involves shaping technical strategy, optimizing acquisition funnels, collaborating with marketing, sales, product, and data science teams, and owning projects from discovery through delivery.

Manage iwoca Germany’s privacy and AI compliance framework, including GDPR governance, DPIAs, LIAs, DSARs, RoPA maintenance, DPA reviews, vendor due diligence, and AI risk assessments. Partner with Legal, Product, Tech, Operations, and the external DPO to implement privacy-by-design, EU AI Act governance, reporting, training, and automated compliance workflows. The role requires translating regulatory requirements into practical controls across data pipelines, software platforms, AI workflows, and vendor integrations.

Own and scale paid social acquisition across Meta, TikTok, LinkedIn, and emerging platforms. Lead campaign strategy, credit card launch marketing, full-funnel architecture, creative and influencer programs, budget allocation, incrementality testing, attribution, and landing-page optimization. Partner with Data Science, Engineering, Compliance, and Brand teams, while managing and coaching a Performance Marketing Executive. Drive profitable growth using ROI, CLTV, marginal-return, and commercial performance analysis.

Own the German customer acquisition and activation funnel from first visit through loan application. Set the product roadmap, lead scoring and segmentation, eligibility checks, signup flows, attribution, and experimentation. Partner with engineering, data science, marketing, and sales to ship improvements, resolve data quality issues, interpret A/B tests, and establish operating practices for a newly forming technical squad.

Own strategic partner acquisition in Germany from initial prospecting through contract, integration, launch, and first funded customers. Build relationships with banks, payment providers, software platforms, and financial intermediaries; negotiate commercial terms with senior decision-makers; manage the partnership pipeline; and influence integration and go-to-market strategy. The role requires strong B2B partnership or business development experience, financial technology knowledge, German and English fluency, and travel across Germany one to two days weekly.

Supports the employee lifecycle across UK and German teams, including payroll coordination, benefits administration, HR data maintenance, onboarding, offboarding, background checks, and employee queries. The role requires accurate confidential-data handling, bilingual German and English communication, HR systems proficiency, independent prioritization, and a practical approach to improving People Operations processes.

Re-engage and convert business customers by managing a qualified sales pipeline, conducting outbound calls, understanding customer needs, and tailoring financing solutions. The role involves managing prospects through various stages, meeting KPIs and revenue targets, collaborating with Account Management, Marketing, and Underwriting, and contributing feedback to improve team performance.

Build and maintain scalable backend systems, APIs, and partner integrations for embedded lending flows. Own projects from scoping through production, collaborate with engineers and stakeholders, improve customer conversion through experiments, and use data to guide product decisions. The role emphasizes robust system design, clear documentation, pragmatic delivery, AI-assisted development, and measurable impact for partners and small-business customers.

Build and scale manda’s introducer and referral network across accountants, solicitors, wealth managers, brokers, and business transfer agents. Responsibilities include prospecting and winning partners, managing relationships, tracking referral performance, designing scalable referral processes and integrations, leveraging iwoca’s existing network, running commercially focused events, and measuring channel economics. The role requires hands-on business development, partnership management, commercial judgment, systems thinking, and close collaboration with product teams.