Senior Back End Engineer - Partner Tech Team
Hybrid in London / Remote within the 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 more than 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 a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need – often within minutes.
The team
iwoca partners with a variety of third-party platforms, ranging from large banks and comparison sites to small fintechs that serve SME customers. These partners use iwoca’s Lending API to embed iwoca loans into their own customer journey. Partnerships are an important and fast-growing source of customers for iwoca.
The Partner Tech team builds new features and optimises existing flows to provide the best possible experience for iwoca's partners and the customers they refer to us. The team’s responsibilities include:
Continually improving our Lending API and other developer tools, so that partners can integrate with iwoca quickly and easily.
Adding new functionality to facilitate deeper integrations and ensure iwoca is the best embedded finance provider on the market.
Improving the conversion rate of customers who come to us through partners, by streamlining the journey and removing obstacles.
The team is made up of two engineers plus a product manager, working closely with an internal team of commercial stakeholders. Partner Tech is remote/hybrid-friendly, meeting up for team days in the office once or twice a month, but not on a fixed schedule. They work in an Agile fashion with two-week sprints and a daily standup.
The role
You’ll work on challenging projects all over iwoca’s codebase - anywhere there are improvements to be made for partners and partner-referred customers. You’ll be encouraged to bring your own ideas and take responsibility for areas of functionality.
Autonomy:
Own features and projects from scoping and design through to production.
Collaborate with other engineers to meet the team’s goals, whilst being trusted to define your own solutions and work independently on your part of the problem.
Design and maintain robust, flexible, and maintainable systems to ensure scalability and fast-paced development.
Impact:
Deliver new functionality critical to onboarding important new partners.
Optimise the customer experience, leading to measurable improvements.
Leave code, docs, and processes in better shape than you found them.
Purpose and product thinking:
Work on systems that genuinely help businesses get the funding they need.
Collaborate with our partners and internal stakeholders to design effective solutions.
Use data to make decisions, uncover insights, and refine strategies.
The requirements
Essential:
Experience designing and building scalable back-end systems, ideally in Python with Django.
Experience working with relational databases, ideally PostgreSQL, with an understanding of performance and maintainability considerations.
Experience building and maintaining APIs that are easy to use, reliable, and well-documented.
Experience managing projects end to end, from understanding business problems to designing and delivering technical solutions.
Pragmatism in balancing delivery speed with long-term system health.
Clear, concise written and verbal communication, focusing on outcomes and impact.
Bonus:
Front-end development experience, particularly with React and Typescript.
Experience with DevOps practices, including containerisation and CI/CD pipelines.
Experience using data to inform technical decisions or product improvements.
The salary
We expect to pay from £80,000—£90,000 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, Berlin, and Frankfurt with plenty of drinks and snacks
Events and clubs, like bingo, comedy nights, football, etc.
The benefits
Flexible working hours
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 per year, 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
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.
