Hybrid in London, UK
The company
Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses.
Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve.
We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.
The team
The Fraud team is a new team within iwoca, and owns iwoca’s strategy and tech systems against fraud. The team balances robust fraud prevention with an exceptional customer experience and strong conversion rates. The team is growing, and currently consists of a principal full-stack engineer and a Team Lead.
The role
We need a full-stack engineer to join the growing Fraud team, to help significantly restructure and simplify iwoca’s fraud systems. This is a high-growth role, with a view that you will grow to take on technical leadership of the team.
Ownership and influence
Design and build iwoca’s new fraud system, to achieve a balance between fraud prevention and customer experience.
Take ownership of the solutions that feed into this system, covering both in-built capabilities and third-party integrations.
Use data to identify opportunities and measure improvements to our systems and processes.
Collaboration
Work with product, analytics and strategy team members to ensure technical solutions align with iwoca’s overall fraud strategy.
Collaborate with engineers within other parts of iwoca, such as our Operations, Customer Funnel, and Credit Risk teams, to drive fraud tech changes forwards.
Growth and progression
Progress to becoming the team’s technical lead within 6-9 months.
The requirements
Essential:
Back-end development experience, ideally with Python.
Front-end development experience with TypeScript.
Experience with Django, PostgreSQL, and designing, building, and managing relational databases.
Excellent communication skills, with the ability to translate business needs into effective technical solutions.
Bonus:
Experience working with third-party integrations.
React framework experience.
A strong numerical academic background, i.e. maths, physics, computer science, engineering, or similar.
An understanding of data analysis and statistics.
The salary
We expect to pay from £60,000 - £80,000 for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services.
The offices
We put a lot of effort into making iwoca a great place to work:
Offices in London, Leeds, Frankfurt, and Berlin with plenty of drinks and snacks.
Events and clubs, like bingo, comedy nights, yoga classes, football, etc.
The benefits
Flexible working.
Medical insurance from Vitality, including discounted gym membership.
A private GP service (separate from Vitality) for you, your partner, and your dependents.
25 days’ holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.
A one-month, fully paid sabbatical after four years.
Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.
3% pension contributions on total earnings.
An employee equity incentive scheme.
Generous parental leave and a nursery tax benefit scheme to help you save money.
Electric car scheme and cycle to work scheme.
Two company retreats a year, we’ve been to France, Italy, Spain, and further afield.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
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What We Do
iwoca was founded to expand possibilities for small businesses.
At iwoca, we believe finance should feel like a superpower, not a headache. That’s why our founders, Chris and James, decided to create a solution custom-built for small businesses. One that strips out the hassle, gets to know what each business needs, and looks for opportunities rather than problems. One that provides access to finance where and when your business needs it.
Our partner integrations and our Lending API mean we can provide access to finance where and when small businesses need it. Our award winning credit risk engine help us make faster, more accurate credit decisions built around the performance of the business.
We are proud to be NACFB Lender of the year, Xero Financial Services App of the year and, most recently, winner of the £10m Banking Competition Remedies grant.
Since 2012, we’ve made funding available to over 50,000 businesses, from cafés to car dealers, salons to solicitors. But we’ve only just started. Our mission is to fund one million small businesses.
