Jobs at iwoca

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.

Own strategy and analytics for the new-customer lending journey, including application flows, document requirements, credit decisioning, pricing, and customer conversion. Identify funnel opportunities, design and interpret controlled experiments, balance speed, friction, risk, and customer lifetime value, and lead analytical projects from start to finish. Partner with data science, engineering, credit risk, and senior leadership to shape product decisions and the long-term roadmap.

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.

Own manda’s marketing strategy as its first marketing hire, acquiring business-owner sellers through paid, organic, direct-response, offline, and trade-press channels. Manage budgets, test channel performance, establish attribution and reporting, measure acquisition economics, optimize website conversion, and support buyer acquisition. The role requires hands-on copywriting, campaign execution, tracking, funnel analysis, and collaboration with product and engineering in an ambiguous early-stage venture.

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.

Provide commercial and regulatory legal advice across UK fintech products, including business credit cards, payments, lending, insurance, credit scoring, and SME M&A services. Draft and negotiate commercial contracts, customer terms, and partner agreements; advise on financial regulations; improve legal processes using templates, playbooks, and AI tools; and manage external counsel and legal budgets.

Build, maintain, research, and improve credit risk and customer lifetime value models used for lending decisions, pricing, and portfolio strategy. The role includes production model health, incremental development, causal estimation, IFRS accounting models, and applied R&D. You will own ambiguous analytical problems end to end, use AI for prototyping and automation, critically evaluate model outputs, and communicate technical conclusions clearly.

Own credit risk and Customer Lifetime Value modeling projects end to end, including research, production deployment, monitoring, and commercial impact. Set technical direction across multi-quarter initiatives, evaluate uncertainty and model calibration, improve existing models, and explore new machine learning approaches. Lead projects, communicate clearly, challenge assumptions with evidence, and use AI to accelerate prototyping and R&D.

Own partner API integrations from sandbox through launch and optimization. Guide partner engineers, review customer journeys, troubleshoot live issues using logs and code, and collaborate with internal engineers on fixes. Build integration monitoring, analyze performance data, maintain API documentation, communicate technical and commercial priorities, and represent partner needs in the product roadmap.

As Fraud Strategy Lead, you'll design fraud strategies, monitor automated models, and guide a small team, focusing on transaction profiling and risk management for a B2B payment product.

Assess credit applications using multiple data sources and a tech platform to make fast, fair decisions. Grow decisioning autonomy, support peers on complex cases, and collaborate with analytics to optimise lending models and processes.

Assess SME credit applications using company data and tech platform, make autonomous data-driven lending decisions, support complex cases, work with analytics to optimise credit strategy, and continuously improve processes.

Build and maintain full-stack internal systems supporting iwoca’s German operations, including underwriting, customer communication, collections, and account management tools. Design backend services in Python, contribute to React and TypeScript codebases, modernize architecture, automate workflows, and improve system quality and reliability. Own projects end to end by engaging stakeholders, shaping solutions, making trade-offs, and evaluating outcomes through data and usage metrics.