Full Stack Engineer - iwocaPay
Hybrid working in London, UK (At least one day in office per week)
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 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 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.
The role
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.
The projects
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.
The requirements
Essential:
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)
Bonus:
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
The salary
We expect to pay from £55,000–£70,000 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 diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.
The offices
We put a lot of effort into making iwoca a brilliant place to work:
Offices in London, Leeds, Berlin, and Frankfurt 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 emotional and mental health support.
3% Pension contributions and share options.
Generous parental leave and a nursery tax benefit scheme to help you save money.
Cycle-to-work scheme and electric car 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:
Protected time and a learning and development budget for everyone.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Top Skills
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.
