The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for a Business Development Executive
This is an exciting opportunity for an experienced outbound sales professional to join our direct sales team to qualify and convert leads in a fast paced and fun environment. You'll benefit from an uncapped commission structure, giving you full control over your earnings. OTE of £78k-£83k, with even higher earning potential available through promotion.
The role
As a Business Development Executive you’ll build a high quality pipeline of prospects and generate revenue by making outbound calls, booking meetings, following up with customers, using Social Selling tools, and much more. Each interaction with a potential new customer is unique, and requires focus as well as solo thinking. How you manage your pipeline will make a significant difference in hitting your KPIs. If you are successful, the opportunity to grow and develop as a sales professional is unbounded.
Key responsibilities include:
Building and nurturing a high quality lead pipeline by making a high volume of outbound calls, and occasionally dealing with inbound queries, at all times representing the company in a highly professional manner
Using Social Selling tools & techniques to maximise your success in connecting with prospects
Identifying and qualifying prospects that might have a need for business finance
Communicating the iwoca value proposition in a precise and compelling way to engage and convert prospects
Going above and beyond in your efforts to hit and exceed your KPIs; this will enable us to beat sales growth targets
Working as a team player, and helping improve the overall success of this exciting part of the business.
The requirements
We look for people who are smart, humble, motivated and who are always looking to improve.
Ideally you'll:
Have past experience in sales, ideally within financial services
Be comfortable making cold outbound calls, and have an outstanding call manner
Be highly motivated, and excited to exceed targets
Be able to take on, and provide, quality feedback to power your own growth, as well as that of your teammates
Be organised and able to manage a large pipeline of prospects, with deals at various stages of progress
Be able to simplify and explain complex products in a way that customers with little experience in commercial financing can easily understand
Desired:
Understand the challenges facing small businesses
Have a good understanding of different financial products used by small businesses
Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nWe’re looking for a Business Development Executive\n\nThis is an exciting opportunity for an experienced outbound sales professional to join our direct sales team to qualify and convert leads in a fast paced and fun environment. You'll benefit from an uncapped commission structure, giving you full control over your earnings. OTE of £78k-£83k, with even higher earning potential available through promotion.\n\n\n\nThe role \n\nAs a Business Development Executive you’ll build a high quality pipeline of prospects and generate revenue by making outbound calls, booking meetings, following up with customers, using Social Selling tools, and much more. Each interaction with a potential new customer is unique, and requires focus as well as solo thinking. How you manage your pipeline will make a significant difference in hitting your KPIs. If you are successful, the opportunity to grow and develop as a sales professional is unbounded.\n\n\n\nKey responsibilities include:\n\n - Building and nurturing a high quality lead pipeline by making a high volume of outbound calls, and occasionally dealing with inbound queries, at all times representing the company in a highly professional manner\n\n - Using Social Selling tools & techniques to maximise your success in connecting with prospects\n\n - Identifying and qualifying prospects that might have a need for business finance\n\n - Communicating the iwoca value proposition in a precise and compelling way to engage and convert prospects\n\n - Going above and beyond in your efforts to hit and exceed your KPIs; this will enable us to beat sales growth targets\n\n - Working as a team player, and helping improve the overall success of this exciting part of the business.\n \n \n\nThe requirements\n\nWe look for people who are smart, humble, motivated and who are always looking to improve.\n\nIdeally you'll:\n\n - Have past experience in sales, ideally within financial services\n\n - Be comfortable making cold outbound calls, and have an outstanding call manner\n\n - Be highly motivated, and excited to exceed targets\n\n - Be able to take on, and provide, quality feedback to power your own growth, as well as that of your teammates\n\n - Be organised and able to manage a large pipeline of prospects, with deals at various stages of progress\n\n - Be able to simplify and explain complex products in a way that customers with little experience in commercial financing can easily understand\n\nDesired:\n\n - Understand the challenges facing small businesses\n\n - Have a good understanding of different financial products used by small businesses\n \n \n\nDon’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.\n\n\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"799e8be8-7e88-4666-a105-e353134ac9c3","title":"Customer Success Advisor - German speaking","department":"Customer Operations","team":"Customer Operations","employmentType":"FullTime","location":"Berlin","secondaryLocations":[{"location":"Germany","address":{"postalAddress":{"addressRegion":"Brandenburg","addressCountry":"Germany","addressLocality":"berlin"}}}],"publishedAt":"2026-04-24T07:40:50.821+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"postalCode":"","addressRegion":"BE","addressCountry":"DE","addressLocality":"Berlin"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/799e8be8-7e88-4666-a105-e353134ac9c3","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/799e8be8-7e88-4666-a105-e353134ac9c3/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The role
Customer Service Advisors are the first point of contact for potential customers as well as new and existing customers, and thus the “face” of iwoca. You handle incoming calls, emails and web chats, supporting entrepreneurs with general inquiries, new applications and repeat loans. You highly value our customer service and support customers with your excellent communication skills so they can successfully utilise our products.
A fundamental component for our success is to convince and inspire customers and partners of our mission - this ranges from hair salons and dental practices to financial advisory services and banks.
The requirements
Essential:
Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
You possess C1-level German communication skills (both written and spoken) and are comfortable collaborating in English within our diverse, international office.
We look for people who are smart, humble, motivated and always looking to improve.
You enjoy communicating with customers and live \"customer centricity\". Your greatest motivation is achieving success with our customers.
You have completed a commercial training / business studies (kaufmännische Ausbildung / betriebswirtschaftliches Studium) and can add value with relevant professional experience in customer service (experiences in the banking environment or a fintech are a plus).
You are highly motivated, organised, a true team player and have a 'hands-on' mentality.
An independent, team-oriented and reliable way of working is a given.
Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.
Your mission:
You are responsible for the overall customer satisfaction and ensure that customer inquiries via phone, email or web chat are handled promptly and efficiently.
You answer questions about our products, the application process and our service in general, supporting both new and existing customers.
You assist entrepreneurs in completing their applications and providing the necessary documents required for a credit decision.
You collaborate with various teams within iwoca to achieve the best outcome for our customers.
You proactively participate in the development of iwoca by providing regular insights on customer feedback, opportunities to improve our processes or new offerings from our competitors.
Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home.
We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that inclusivity, and diversity that comes through greater inclusivity, isn't an optional add-on; it's the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in.
The salary
We expect to pay from €30,000 — €38,000 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.
We don't expect you to tick every box when it comes to experience or qualifications, and we'd still love to hear from you if your background is a little different. However, German language proficiency at a minimum C1 level (spoken and written) is essential for this role and isn't something we can be flexible on.
This is a German-speaking, customer-facing role. A minimum C1 level of German, both spoken and written, is essential.
You'll be communicating with German-speaking customers daily, so you'll need to be confident handling conversations, explaining information and answering questions fluently in German.
All interviews are conducted in German, and the next stage of our recruitment process will assess your spoken German.
The culture
At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset.
26 days of vacation a year plus a free day for your birthday.
One-month fully paid sabbatical after 4 years.
Mental health support with direct access to certified psychologists via our partner OpenUp.
iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
€30 contribution towards the Deutschlandticket.
Company Pension with Canada Life.
Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
Corporate Benefits discounts.
’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone, including a book budget.
Learning German budget.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Useful links:
See iwoca benefits & policies for detail and some additional benefits.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The role
Customer Service Advisors are the first point of contact for potential customers as well as new and existing customers, and thus the “face” of iwoca. You handle incoming calls, emails and web chats, supporting entrepreneurs with general inquiries, new applications and repeat loans. You highly value our customer service and support customers with your excellent communication skills so they can successfully utilise our products.
A fundamental component for our success is to convince and inspire customers and partners of our mission - this ranges from hair salons and dental practices to financial advisory services and banks.
The requirements
Essential:
Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
You possess C1-level German communication skills (both written and spoken) and are comfortable collaborating in English within our diverse, international office.
We look for people who are smart, humble, motivated and always looking to improve.
You enjoy communicating with customers and live \"customer centricity\". Your greatest motivation is achieving success with our customers.
You have completed a commercial training / business studies (kaufmännische Ausbildung / betriebswirtschaftliches Studium) and can add value with relevant professional experience in customer service (experiences in the banking environment or a fintech are a plus).
You are highly motivated, organised, a true team player and have a 'hands-on' mentality.
An independent, team-oriented and reliable way of working is a given.
Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.
Your mission:
You are responsible for the overall customer satisfaction and ensure that customer inquiries via phone, email or web chat are handled promptly and efficiently.
You answer questions about our products, the application process and our service in general, supporting both new and existing customers.
You assist entrepreneurs in completing their applications and providing the necessary documents required for a credit decision.
You collaborate with various teams within iwoca to achieve the best outcome for our customers.
You proactively participate in the development of iwoca by providing regular insights on customer feedback, opportunities to improve our processes or new offerings from our competitors.
Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home.
We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that inclusivity, and diversity that comes through greater inclusivity, isn't an optional add-on; it's the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in.
The salary
We expect to pay from €36,000 — €44,000 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.
We don't expect you to tick every box when it comes to experience or qualifications, and we'd still love to hear from you if your background is a little different. However, German language proficiency at a minimum C1 level (spoken and written) is essential for this role and isn't something we can be flexible on.
This is a German-speaking, customer-facing role. A minimum C1 level of German, both spoken and written, is essential.
You'll be communicating with German-speaking customers daily, so you'll need to be confident handling conversations, explaining information and answering questions fluently in German.
All interviews are conducted in German, and the next stage of our recruitment process will assess your spoken German.
The culture
At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset.
26 days of vacation a year plus a free day for your birthday.
One-month fully paid sabbatical after 4 years.
Mental health support with direct access to certified psychologists via our partner OpenUp.
iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
€30 contribution towards the Deutschlandticket.
Company Pension with Canada Life.
Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
Corporate Benefits discounts.
’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone, including a book budget.
Learning German budget.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Useful links:
See iwoca benefits & policies for detail and some additional benefits.
Gerade für kleine Unternehmen muss es oft schnell gehen. Chancen warten nicht und Liquiditätsengpässe können über Nacht entstehen. Um voranzukommen und zu wachsen, brauchen KMU Finanzierung, die genauso flexibel und reaktionsschnell ist wie sie selbst.
Genau deshalb haben wir iwoca gegründet. Unsere smarte Technologie, moderne Datenanalyse und unser erstklassiger Kundenservice sorgen dafür, dass Unternehmer*innen schnell, sicher und kontrolliert handeln können - genau in den Momenten, in denen es darauf ankommt.
Wir haben bereits mehr als 150.000 Unternehmen mit über 4,5 Milliarden Euro unterstützt. Unser Team setzt alles daran, noch mehr Mittelständler*innen zum Erfolg zu verhelfen - durch besseren Zugang zu Finanzierung und zusätzliche Services, die den Geschäftsalltag einfacher machen. Unsere Mission? Eine Million Unternehmen in ihren entscheidenden Momenten zu unterstützen und so einen nachhaltigen Beitrag zu leisten- sowohl für die Unternehmen selbst, als auch für ihr wirtschaftliches Ökosystem und die deutsche Gesamtwirtschaft.
Die Stelle
Als Customer Service Advisor*in bist du die erste Anlaufstelle für potentielle Neukund*innen und langjährige Bestandskund*innen und somit iwocas “Aushängeschild”. Du kümmerst dich um eingehende Anrufe, E-Mails und Webchats und unterstützt Unternehmer*innen sowohl bei allgemeinen Fragen als auch bei der Antragstellung und Folgefinanzierungen. Dabei legst du höchsten Wert auf Kundenservice und ermöglichst unseren Kund*innen durch deine Kommunikation die optimale Nutzung unserer Produkte.
Ein grundlegender Baustein für unseren Erfolg ist es, Kund*innen und Partner*innen von unserer Mission zu überzeugen und zu begeistern - das reicht bei unseren Kund*innen vom Frisörsalon bis zur Zahnarztpraxis und bei unseren Partner*innen von der Finanzberatung bis zu Mitarbeitenden der Bankfiliale.
Wenn Sie mehr über diese Position erfahren möchten, finden Sie hier den passenden Artikel.
Zusammen arbeiten, gemeinsam wachsen: Bei uns erwartet dich ein Umfeld, in dem deine Ideen wirklich etwas bewegen. Dass unsere Kultur nicht nur auf dem Papier gut klingt, zeigt auch unser Kununu-Score von über 4,5 – ein Team, auf das man sich jeden Tag freuen kann!
Die Anforderungen
Grundlegend:
Zeigt Neugier im Umgang mit KI-Tools und Interesse daran, diese weiter zu erlernen. Du nutzt KI bereits sicher in der Praxis, um Probleme zu lösen, effizienter zu arbeiten und die Qualität deiner Arbeit zu verbessern. Dabei zeigst du ein gutes Gespür dafür, wann der Einsatz sinnvoll ist, und kannst deine Entscheidungen nachvollziehbar begründen.
Du bist für die allgemeine Kundenzufriedenheit verantwortlich und stellst sicher, dass Kundenanfragen per Telefon, E-Mail oder Webchat bestmöglich und zügig bearbeitet werden.
Du beantwortest Fragen zu unseren Produkten, dem Antragsprozess und iwoca allgemein und unterstützt so Neu- und Bestandskund*innen.
Du hilfst Unternehmen, ihren Antrag auszufüllen und die notwendigen Dokumente bereitzustellen, die wir für eine Kreditentscheidung benötigen.
Du arbeitest mit verschiedenen Teams innerhalb von iwoca zusammen, um das beste Ergebnis für unsere Kund*innen zu erzielen.
Du nimmst aktiv an der Weiterentwicklung von iwoca teil, indem du Rückmeldungen von Kund*innen oder Angebote von Wettbewerbern teilst und regelmäßig Feedback zu unseren Prozessen gibst
Das wichtigste zu dir:
Du hast exzellente Kommunikationsfähigkeiten und ausgezeichnete Deutschkenntnisse (C1). Außerdem bringst du Englischkenntnisse mit, sodass Meetings in unserem internationalen Team kein Problem für dich sind.
Du hast Spaß an der Kommunikation mit Kund*innen und lebst “Customer Centricity\". Für dich ist es die größte Motivation, Erfolge mit unseren Kund*innen zu erzielen.
Du hast eine abgeschlossene kaufmännische Ausbildung / betriebswirtschaftliches Studium und kannst mit relevanter Berufserfahrung im Kundenservice punkten (Erfahrungen im Bankenumfeld oder einem Fintech sind ein Plus).
Du bist hochmotiviert, organisiert, ein/e echte/r Teamplayer*in und hast eine ‘Hands-on-Mentalität’.
Eine selbstständige, teamorientierte und zuverlässige Arbeitsweise ist für dich selbstverständlich.
Wir rechnen mit einem Gehalt zwischen 30.000 € und 38.000 € für diese Stelle. Uns ist es jedoch wichtig, dich fair zu bezahlen, also gib in deiner Bewerbung unbedingt deine Gehaltsvorstellungen an. Wir vergleichen Gehälter regelmäßig mit den marktüblichen Sätzen und führen zusätzlich vierteljährliche Performance- und Gehaltsreviews durch.
Bei iwoca gewinnt die beste Idee. Unsere Kultur basiert auf eigenständigem Denken, dem Hinterfragen von Annahmen und faktenbasierten Entscheidungen. Wir legen großen Wert auf Lernen und Weiterentwicklung und geben dir die Freiheit, dich in die Richtung zu entwickeln, in der du am wirkungsvollsten bist.
Wir sind ein Technologieunternehmen und glauben an das Potenzial von KI, uns schneller und besser arbeiten zu lassen. Wir schaffen die Voraussetzungen dafür, dass alle im Team jederzeit Zugriff auf die besten Modelle haben – und dass diese Modelle mit unseren Daten arbeiten können. Gleichzeitig unterstützen wir dich dabei, den Umgang mit neuen Tools zu lernen und dich mit ihnen weiterzuentwickeln.
Wir geben uns viel Mühe, iwoca zu einem großartigen Arbeitsplatz zu machen:
Büros in Berlin, Frankfurt, London und Leeds mit reichlich Snacks und Getränken
Veranstaltungen und Clubs: Von Laufgruppen und Padel bis hin zu monatlichen Ping-Pong- und Billard-Turnieren
Ein smartes, motiviertes und internationales Team (wir vertreten über 35 verschiedene Nationalitäten) mit einem unbändigen Growth-Mindset
26 Urlaubstage pro Jahr, plus ein freier Tag an deinem Geburtstag, die Möglichkeit, bis zu fünf Urlaubstage zu kaufen oder zu verkaufen, sowie unbegrenzter (unbezahlter) Urlaub
Ein 1-monatiges, voll bezahltes Sabbatical nach 4 Jahren bei iwoca
Direkter Zugang zur Unterstützung von zertifizierten Psycholog*innen mit unserem Partner OpenUp für Teammitglieder, die emotionale oder mentale Unterstützung brauchen
Zuschuss zur Fitnessstudio-Mitgliedschaft: 25 € für Fit711 oder den Urban Sports Club
30 € Zuschuss zum Deutschlandticket
Betriebliche Altersvorsorge über Canada Life
Top-Standorte: In Frankfurt direkt in der Innenstadt, in Berlin mitten im Prenzlauer Berg
Ein bezahlter Tag für Freiwilligenarbeit, an dem du eine gemeinnützige Organisation deiner Wahl unterstützen kannst
Voll ausgestattete Kühlschränke in unseren Büros mit allem, was das Herz begehrt: von gesunden Snacks bis hin zu Nervennahrung für den ganzen Tag
“Summer Houses” im Süden Europas und “Winter Houses” in den Alpen – bisher ging’s unter anderem nach Frankreich, Italien, Spanien und sogar noch weiter weg
Corporate Benefits Rabatte
Und damit das Lernen nie aufhört, bieten wir:
Ein persönliches Budget zum Lernen und Weiterbilden für alle
Ein Budget für Deutsch/Englisch-Unterricht
Vorträge mit internen und externen Referent*innen für das ganze Unternehmen
Zugang zu Lernplattformen wie Treehouse
Nützliche Links:
Mehr Details und zusätzliche Benefits findest du unter iwoca Benefits & Richtlinien
Hier findest du unser iwoca Willkommenspaket für Interviews
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for a Senior Business Development Executive.
This is an exciting opportunity for an ambitious candidate to join our business development team. This is an entrepreneurial role, where you’ll manage and strategies your individual pipeline to find and finance SMEs in the UK - the backbone of our economy. You'll benefit from an uncapped commission structure, giving you full control over your earnings. OTE of £100k-£110k, with even higher earning potential available through promotion.
The role
As a Senior Business Development Executive, you’ll build a high quality pipeline of prospects and generate revenue by making outbound calls, booking meetings, following up with customers, advising on their best finance options from our suite of products, and closing deals.
Each interaction with a potential new customer is unique, and requires focus as well as solo thinking. How you manage your pipeline will make a significant difference in hitting your KPIs. If you are successful, there are substantial opportunities to develop in our growing team, both monetarily and professionally.
Key responsibilities include:
Building and nurturing a high quality prospect pipeline by making regular outbound calls, and occasionally dealing with inbound queries, at all times representing the company in a highly professional manner
Listening, understanding and advising which of our finance options can help solve your prospect’s challenges.
Identifying and qualifying prospects alongside the ones we have identified and initially qualified for you.
Communicating the iwoca value proposition in a precise and compelling way to help SMEs understand and make use of our loan products.
Going above and beyond in your efforts to hit and exceed your KPIs; this will enable us to beat growth targets
Working as a team player, and helping improve the overall success of this exciting part of the business.
Willingness to mentor and help junior colleagues improve their own performance.
The requirements
At least 3-5 years in sales roles, particularly in selling complicated products directly to decision makers.
Confident making cold outbound calls, and thrive off speaking and connecting with business owners
Highly motivated, and excited by the challenge of exceeding targets
Able to take on, and provide, quality feedback to power your own growth, as well as that of your teammates
Organised and confident in managing a large pipeline of prospects, with deals at various stages in our process.
Able to simplify and explain complex products in a way that customers with little experience in commercial financing can easily understand
Resilient. You’ll take setbacks in your stride, and see value in the lessons setbacks give you.
Empathetic. You need to understand and sympathise with the problems our customers face. You love helping people.
Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nWe’re looking for a Senior Business Development Executive.\n\nThis is an exciting opportunity for an ambitious candidate to join our business development team. This is an entrepreneurial role, where you’ll manage and strategies your individual pipeline to find and finance SMEs in the UK - the backbone of our economy. You'll benefit from an uncapped commission structure, giving you full control over your earnings. OTE of £100k-£110k, with even higher earning potential available through promotion.\n\n\n\nThe role\n\nAs a Senior Business Development Executive, you’ll build a high quality pipeline of prospects and generate revenue by making outbound calls, booking meetings, following up with customers, advising on their best finance options from our suite of products, and closing deals.\n\nEach interaction with a potential new customer is unique, and requires focus as well as solo thinking. How you manage your pipeline will make a significant difference in hitting your KPIs. If you are successful, there are substantial opportunities to develop in our growing team, both monetarily and professionally. \n\nKey responsibilities include:\n\n - Building and nurturing a high quality prospect pipeline by making regular outbound calls, and occasionally dealing with inbound queries, at all times representing the company in a highly professional manner\n\n - Listening, understanding and advising which of our finance options can help solve your prospect’s challenges.\n\n - Identifying and qualifying prospects alongside the ones we have identified and initially qualified for you.\n\n - Communicating the iwoca value proposition in a precise and compelling way to help SMEs understand and make use of our loan products.\n\n - Going above and beyond in your efforts to hit and exceed your KPIs; this will enable us to beat growth targets\n\n - Working as a team player, and helping improve the overall success of this exciting part of the business.\n\n - Willingness to mentor and help junior colleagues improve their own performance.\n\n\n\nThe requirements\n\n - At least 3-5 years in sales roles, particularly in selling complicated products directly to decision makers.\n\n - Confident making cold outbound calls, and thrive off speaking and connecting with business owners\n\n - Highly motivated, and excited by the challenge of exceeding targets\n\n - Able to take on, and provide, quality feedback to power your own growth, as well as that of your teammates\n\n - Organised and confident in managing a large pipeline of prospects, with deals at various stages in our process.\n\n - Able to simplify and explain complex products in a way that customers with little experience in commercial financing can easily understand\n\n - Resilient. You’ll take setbacks in your stride, and see value in the lessons setbacks give you.\n\n - Empathetic. You need to understand and sympathise with the problems our customers face. You love helping people.\n\nDon’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.\n\n\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"c63d8741-03f9-47d5-bff0-507f13f7517f","title":"Junior Credit Analyst","department":"Credit and Underwriting","team":"Credit and Underwriting","employmentType":"FullTime","location":"Berlin","secondaryLocations":[{"location":"Germany","address":{"postalAddress":{"addressRegion":"Brandenburg","addressCountry":"Germany","addressLocality":"berlin"}}}],"publishedAt":"2026-06-08T12:24:31.158+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"postalCode":"","addressRegion":"BE","addressCountry":"DE","addressLocality":"Berlin"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/c63d8741-03f9-47d5-bff0-507f13f7517f","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/c63d8741-03f9-47d5-bff0-507f13f7517f/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.
The role
To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions.
You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes.
You will support other analysts on larger and more complex decisions, which is a key part of our workflow.
Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.
Requirements
Essential:
Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
We look for people who are smart, humble, motivated and who are always looking to improve.
Knowledge of foundational finance and accounting principles, whether acquired academically or through an internship
Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application
The ability to interpret & analyse financial statements
A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment
Excellent communication skills in business English and German
An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency
Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.
The salary
We expect to pay from €41.000 — €50.000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset.
26 days of vacation a year plus a free day for your birthday.
One-month fully paid sabbatical after 4 years.
Mental health support with direct access to certified psychologists via our partner OpenUp.
iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
€30 contribution towards the Deutschlandticket.
Company Pension with Canada Life.
Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
Corporate Benefits discounts.
’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone, including a book budget.
Learning German budget.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Useful links:
See iwoca benefits & policies for detail and some additional benefits.
Gerade für kleine Unternehmen muss es oft schnell gehen. Chancen warten nicht und Liquiditätsengpässe können über Nacht entstehen. Um voranzukommen und zu wachsen, brauchen KMU Finanzierung, die genauso flexibel und reaktionsschnell ist wie sie selbst.
Genau deshalb haben wir iwoca gegründet. Unsere smarte Technologie, moderne Datenanalyse und unser erstklassiger Kundenservice sorgen dafür, dass Unternehmer*innen schnell, sicher und kontrolliert handeln können - genau in den Momenten, in denen es darauf ankommt.
Wir haben bereits mehr als 150.000 Unternehmen mit über 4,5 Milliarden Euro unterstützt. Unser Team setzt alles daran, noch mehr Mittelständler*innen zum Erfolg zu verhelfen - durch besseren Zugang zu Finanzierung und zusätzliche Services, die den Geschäftsalltag einfacher machen. Unsere Mission? Eine Million Unternehmen in ihren entscheidenden Momenten zu unterstützen und so einen nachhaltigen Beitrag zu leisten- sowohl für die Unternehmen selbst, als auch für ihr wirtschaftliches Ökosystem und die deutsche Gesamtwirtschaft.
Die Stelle
Als Account Manager*in bist du die direkte Schnittschnelle zu unseren Kund*innen und die Stimme von iwoca. Du betreust dein eigenes Portfolio von Neu- und Bestandskund*innen und unterstützt eigenverantwortlich Unternehmer*innen während unseres Kreditprozesses und der gesamten Kreditlaufzeit. Dabei legst du höchsten Wert auf Kundenservice und ermöglichst unseren Kund*innen durch deine Kommunikation die optimale Nutzung unserer Produkte.
Ein grundlegender Baustein für unseren Erfolg ist es, Kund*innen und Partner*innen von unserer Mission zu überzeugen und zu begeistern - das reicht bei unseren Kund*innen vom Frisörsalon bis zur Zahnarztpraxis und bei unseren Partner*innen von der Finanzberatung bis zu den Mitarbeiter*innen der Bankfiliale.
Wenn Sie mehr über diese Position erfahren möchten, finden Sie hier den passenden Artikel.
Zusammen arbeiten, gemeinsam wachsen: Bei uns erwartet dich ein Umfeld, in dem deine Ideen wirklich etwas bewegen. Dass unsere Kultur nicht nur auf dem Papier gut klingt, zeigt auch unser Kununu-Score von über 4,5 – ein Team, auf das man sich jeden Tag freuen kann!
Die Anforderungen
Grundlegend:
Zeigt Neugier im Umgang mit KI-Tools und Interesse daran, diese weiter zu erlernen. Du nutzt KI bereits sicher in der Praxis, um Probleme zu lösen, effizienter zu arbeiten und die Qualität deiner Arbeit zu verbessern. Dabei zeigst du ein gutes Gespür dafür, wann der Einsatz sinnvoll ist, und kannst deine Entscheidungen nachvollziehbar begründen.
Du begleitest Neukund*innen bei den Schritten für einen erfolgreichen Vertragsabschluss und übertriffst ihre Erwartungen, indem du auf individuelle Anliegen eingehst und zusammen mit Kund*innen den optimalen Einsatz für unser Produkt findest.
Du stellst sicher, dass unsere Kund*innen über ihre individuellen Möglichkeiten und unsere Produktentwicklungen rasch informiert sind.
Du verantwortest dein eigenes Portfolio an bestehenden und neuen Kund*innen.
Du baust starke, langfristige Beziehungen zu deinen Kund*innen auf und hilfst ihnen dabei, ihre Geschäftsziele mit iwoca zu erreichen.
Du hast ein gutes Verständnis der Funktionsweise von Unternehmen, einschließlich ihrer wichtigsten Risiko- und Ertragsfaktoren.
Durch dein regelmäßiges Feedback zu Rückmeldungen unserer Kund*innen, Verbesserungsmöglichkeiten unserer Prozesse oder neue Angebote unserer Wettbewerber nimmst du aktiv an der Weiterentwicklung von iwoca teil.
Das Wichtigste zu Dir:
Wir suchen Menschen, die smart, bodenständig und motiviert sind und sich ständig weiterentwickeln wollen. Um in dieser Rolle erfolgreich zu sein, trifft im Idealfall Folgendes auf Dich zu:
Du hast exzellente Kommunikationsfähigkeiten und ausgezeichnete Deutschkenntnisse (C1). Außerdem bringst du Englischkenntnisse mit, sodass Meetings in unserem internationalen Team kein Problem für dich sind.
Du hast Spaß an der Kommunikation mit Kund*innen und lebst “Customer Centricity\". Für dich ist es die größte Motivation, Erfolge mit unseren Kund*innen zu erzielen.
Du hast eine abgeschlossene kaufmännische Ausbildung / betriebswirtschaftliches Studium und kannst mit relevanter Berufserfahrung im Kundenservice punkten (Erfahrungen im Bankenumfeld oder einem Fintech sind ein Plus).
Du bist ein echter Teamplayer und kannst das Team bei bereichsübergreifenden Projekten unterstützen.
Du bist hochmotiviert, organisiert, vertriebsorientiert und hast eine ‘Hands-on-Mentalität’.
Eine selbstständige, teamorientierte und zuverlässige Arbeitsweise ist für dich selbstverständlich.
Du besitzt die Fähigkeit, \"über den Tellerrand hinauszudenken\", um Optimierungsvorschläge zu unseren Produkten, Systemen und Prozessen zu machen.
Wir rechnen mit einem Gehalt zwischen 36.000 € und 44.000 € für diese Stelle. Uns ist es jedoch wichtig, dich fair zu bezahlen, also gib in deiner Bewerbung unbedingt deine Gehaltsvorstellungen an. Wir vergleichen Gehälter regelmäßig mit den marktüblichen Sätzen und führen zusätzlich vierteljährliche Performance- und Gehaltsreviews durch.
Bei iwoca gewinnt die beste Idee. Unsere Kultur basiert auf eigenständigem Denken, dem Hinterfragen von Annahmen und faktenbasierten Entscheidungen. Wir legen großen Wert auf Lernen und Weiterentwicklung und geben dir die Freiheit, dich in die Richtung zu entwickeln, in der du am wirkungsvollsten bist.
Wir sind ein Technologieunternehmen und glauben an das Potenzial von KI, uns schneller und besser arbeiten zu lassen. Wir schaffen die Voraussetzungen dafür, dass alle im Team jederzeit Zugriff auf die besten Modelle haben – und dass diese Modelle mit unseren Daten arbeiten können. Gleichzeitig unterstützen wir dich dabei, den Umgang mit neuen Tools zu lernen und dich mit ihnen weiterzuentwickeln.
Wir geben uns viel Mühe, iwoca zu einem großartigen Arbeitsplatz zu machen:
Büros in Berlin, Frankfurt, London und Leeds mit reichlich Snacks und Getränken
Veranstaltungen und Clubs: Von Laufgruppen und Padel bis hin zu monatlichen Ping-Pong- und Billard-Turnieren
Ein smartes, motiviertes und internationales Team (wir vertreten über 35 verschiedene Nationalitäten) mit einem unbändigen Growth-Mindset
26 Urlaubstage pro Jahr, plus ein freier Tag an deinem Geburtstag, die Möglichkeit, bis zu fünf Urlaubstage zu kaufen oder zu verkaufen, sowie unbegrenzter (unbezahlter) Urlaub
Ein 1-monatiges, voll bezahltes Sabbatical nach 4 Jahren bei iwoca
Direkter Zugang zur Unterstützung von zertifizierten Psycholog*innen mit unserem Partner OpenUp für Teammitglieder, die emotionale oder mentale Unterstützung brauchen
Zuschuss zur Fitnessstudio-Mitgliedschaft: 25 € für Fit711 oder den Urban Sports Club
30 € Zuschuss zum Deutschlandticket
Betriebliche Altersvorsorge über Canada Life
Top-Standorte: In Frankfurt direkt in der Innenstadt, in Berlin mitten im Prenzlauer Berg
Ein bezahlter Tag für Freiwilligenarbeit, an dem du eine gemeinnützige Organisation deiner Wahl unterstützen kannst
Voll ausgestattete Kühlschränke in unseren Büros mit allem, was das Herz begehrt: von gesunden Snacks bis hin zu Nervennahrung für den ganzen Tag
“Summer Houses” im Süden Europas und “Winter Houses” in den Alpen – bisher ging’s unter anderem nach Frankreich, Italien, Spanien und sogar noch weiter weg
Corporate Benefits Rabatte
Und damit das Lernen nie aufhört, bieten wir:
Ein persönliches Budget zum Lernen und Weiterbilden für alle
Ein Budget für Deutsch/Englisch-Unterricht
Vorträge mit internen und externen Referent*innen für das ganze Unternehmen
Zugang zu Lernplattformen wie Treehouse
Nützliche Links:
Mehr Details und zusätzliche Benefits findest du unter iwoca Benefits & Richtlinien
Hier findest du unser iwoca Willkommenspaket für Interviews
Gerade für kleine Unternehmen muss es oft schnell gehen. Chancen warten nicht und Liquiditätsengpässe können über Nacht entstehen. Um voranzukommen und zu wachsen, brauchen KMU Finanzierung, die genauso flexibel und reaktionsschnell ist wie sie selbst.
Genau deshalb haben wir iwoca gegründet. Unsere smarte Technologie, moderne Datenanalyse und unser erstklassiger Kundenservice sorgen dafür, dass Unternehmer*innen schnell, sicher und kontrolliert handeln können - genau in den Momenten, in denen es darauf ankommt.
Wir haben bereits mehr als 150.000 Unternehmen mit über 4,5 Milliarden Euro unterstützt. Unser Team setzt alles daran, noch mehr Mittelständler*innen zum Erfolg zu verhelfen - durch besseren Zugang zu Finanzierung und zusätzliche Services, die den Geschäftsalltag einfacher machen. Unsere Mission? Eine Million Unternehmen in ihren entscheidenden Momenten zu unterstützen und so einen nachhaltigen Beitrag zu leisten- sowohl für die Unternehmen selbst, als auch für ihr wirtschaftliches Ökosystem und die deutsche Gesamtwirtschaft.
Die Rolle
Wir suchen eine/n Junior Forderungsmanager*in (m/w/d). Entweder für unser Office in Frankfurt oder für unser neues Office in Berlin-Mitte. Du bist Teil des Credit Control Teams innerhalb des deutschen Operations Bereichs in einem schnell wachsenden Fintech.
Wir verfolgen einen konsequenten “Customer first”-Ansatz, und Deine zentrale Aufgabe ist es, Verhandlungen mit unseren Kund*innen (Geschäftsinhaber*innen) zu führen, die Schwierigkeiten bei der Rückzahlung ihres Darlehens haben. An komplexeren Fällen arbeitest du mit unserem Paralegal, unseren Anwält*innen und mit anderen iwoca Teams zusammen (z. B. Account Manager, Kreditanalyse usw.).
In deiner Rolle übernimmst Du frühzeitig Verantwortung mit einem eigenen Kundenportfolio, hast direkten Einfluss auf die Gesamtleistung von Team Deutschland und hast eine Reihe von Möglichkeiten zur persönlichen und beruflichen Weiterentwicklung.
Die Anforderungen
Grundlegend:
Zeigt Neugier im Umgang mit KI-Tools und Interesse daran, diese weiter zu erlernen. Du nutzt KI bereits sicher in der Praxis, um Probleme zu lösen, effizienter zu arbeiten und die Qualität deiner Arbeit zu verbessern. Dabei zeigst du ein gutes Gespür dafür, wann der Einsatz sinnvoll ist, und kannst deine Entscheidungen nachvollziehbar begründen.
Du bearbeitest dein eigenes Kundenportfolio, sprichst mit Kund*innen und verhandelst Lösungen, die sowohl für die Kunden als auch für iwoca optimal sind
Du entscheidest selbständig im Rahmen interner Vorgaben, welche Vorgehensweise die Beste ist
Du analysierst die finanzielle Situation unserer Kund*innen und erarbeitest die entsprechende Strategie, um unsere Kund*innen bestmöglich zu unterstützen
Du verbesserst die Zusammenarbeit und pflegst die Beziehungen mit diversen Stakeholdern
Du bist ein “role model” für unsere Werte (smart, motivated, humble, growth mindset) und gestaltest die Kultur in unserem Office mit
Du arbeitest an teamübergreifenden Projekten zur Optimierung und Implementierung von Prozessen
Das Wichtigste zu Dir:
Wir suchen Menschen, die smart, bodenständig und motiviert sind und sich ständig weiterentwickeln wollen. Um in dieser Rolle erfolgreich zu sein, trifft im Idealfall Folgendes auf Dich zu:
Du hast eine kaufmännische / juristische Ausbildung oder ein (betriebswirtschaftliches) Studium absolviert
Du hast bereits erste Berufserfahrungen gesammelt - idealerweise im Finanzsektor - in einer “customer-facing”-Position
Erfahrungen und Kenntnisse im Forderungsmanagement sind wünschenswert, aber keine Bedingung
Du kommunizierst jederzeit souverän, sowohl schriftlich als auch am Telefon
Du bist sehr empathisch und hast Fingerspitzengefühl
Du hast ein starkes Durchsetzungsvermögen, um auch in schwierigen Situationen zielorientiert vorgehen zu können
Du hast hohes Verhandlungsgeschick mit “customer first”-Ansatz, und es fällt dir leicht, eine starke Beziehung zu deinen Kund*innen aufzubauen
Du denkst proaktiv, bist neugierig und hinterfragst stetig Fälle und Prozesse, um für Verbesserungen zu sorgen - Innovation macht Dir Spaß und motiviert Dich
Du bist ein echter Teamplayer und immer bereit, deine Kolleg*innen zu unterstützen
Du hast ausgezeichnete Deutschkenntnisse, außerdem bringst du gute Englischkenntnisse mit, sodass Meetings in unserem internationalen Team kein Problem für dich sind
Du hast Spaß daran, in einem internationalen Team zu arbeiten
Wir rechnen mit einem Gehalt zwischen 34.000 € und 46.000 € für diese Stelle. Uns ist es jedoch wichtig, dich fair zu bezahlen, also gib in deiner Bewerbung unbedingt deine Gehaltsvorstellungen an. Wir vergleichen Gehälter regelmäßig mit den marktüblichen Sätzen und führen zusätzlich vierteljährliche Performance- und Gehaltsreviews durch.
Bei iwoca gewinnt die beste Idee. Unsere Kultur basiert auf eigenständigem Denken, dem Hinterfragen von Annahmen und faktenbasierten Entscheidungen. Wir legen großen Wert auf Lernen und Weiterentwicklung und geben dir die Freiheit, dich in die Richtung zu entwickeln, in der du am wirkungsvollsten bist.
Wir sind ein Technologieunternehmen und glauben an das Potenzial von KI, uns schneller und besser arbeiten zu lassen. Wir schaffen die Voraussetzungen dafür, dass alle im Team jederzeit Zugriff auf die besten Modelle haben – und dass diese Modelle mit unseren Daten arbeiten können. Gleichzeitig unterstützen wir dich dabei, den Umgang mit neuen Tools zu lernen und dich mit ihnen weiterzuentwickeln.
Wir geben uns viel Mühe, iwoca zu einem großartigen Arbeitsplatz zu machen:
Büros in Berlin, Frankfurt, London und Leeds mit reichlich Snacks und Getränken
Veranstaltungen und Clubs: Von Laufgruppen und Padel bis hin zu monatlichen Ping-Pong- und Billard-Turnieren
Ein smartes, motiviertes und internationales Team (wir vertreten über 35 verschiedene Nationalitäten) mit einem unbändigen Growth-Mindset
26 Urlaubstage pro Jahr, plus ein freier Tag an deinem Geburtstag, die Möglichkeit, bis zu fünf Urlaubstage zu kaufen oder zu verkaufen, sowie unbegrenzter (unbezahlter) Urlaub
Ein 1-monatiges, voll bezahltes Sabbatical nach 4 Jahren bei iwoca
Direkter Zugang zur Unterstützung von zertifizierten Psycholog*innen mit unserem Partner OpenUp für Teammitglieder, die emotionale oder mentale Unterstützung brauchen
Zuschuss zur Fitnessstudio-Mitgliedschaft: 25 € für Fit711 oder den Urban Sports Club
30 € Zuschuss zum Deutschlandticket
Betriebliche Altersvorsorge über Canada Life
Top-Standorte: In Frankfurt direkt in der Innenstadt, in Berlin mitten im Prenzlauer Berg
Ein bezahlter Tag für Freiwilligenarbeit, an dem du eine gemeinnützige Organisation deiner Wahl unterstützen kannst
Voll ausgestattete Kühlschränke in unseren Büros mit allem, was das Herz begehrt: von gesunden Snacks bis hin zu Nervennahrung für den ganzen Tag
“Summer Houses” im Süden Europas und “Winter Houses” in den Alpen – bisher ging’s unter anderem nach Frankreich, Italien, Spanien und sogar noch weiter weg
Corporate Benefits Rabatte
Und damit das Lernen nie aufhört, bieten wir:
Ein persönliches Budget zum Lernen und Weiterbilden für alle
Ein Budget für Deutsch/Englisch-Unterricht
Vorträge mit internen und externen Referent*innen für das ganze Unternehmen
Zugang zu Lernplattformen wie Treehouse
Nützliche Links:
Mehr Details und zusätzliche Benefits findest du unter iwoca Benefits & Richtlinien
Hier findest du unser iwoca Willkommenspaket für Interviews
Gerade für kleine Unternehmen muss es oft schnell gehen. Chancen warten nicht und Liquiditätsengpässe können über Nacht entstehen. Um voranzukommen und zu wachsen, brauchen KMU Finanzierung, die genauso flexibel und reaktionsschnell ist wie sie selbst.
Genau deshalb haben wir iwoca gegründet. Unsere smarte Technologie, moderne Datenanalyse und unser erstklassiger Kundenservice sorgen dafür, dass Unternehmer*innen schnell, sicher und kontrolliert handeln können - genau in den Momenten, in denen es darauf ankommt.
Wir haben bereits mehr als 150.000 Unternehmen mit über 4,5 Milliarden Euro unterstützt. Unser Team setzt alles daran, noch mehr Mittelständler*innen zum Erfolg zu verhelfen - durch besseren Zugang zu Finanzierung und zusätzliche Services, die den Geschäftsalltag einfacher machen. Unsere Mission? Eine Million Unternehmen in ihren entscheidenden Momenten zu unterstützen und so einen nachhaltigen Beitrag zu leisten- sowohl für die Unternehmen selbst, als auch für ihr wirtschaftliches Ökosystem und die deutsche Gesamtwirtschaft.
Die Rolle
Wir suchen eine/n Junior Forderungsmanager*in (m/w/d). Entweder für unser Office in Frankfurt oder für unser neues Office in Berlin-Mitte. Du bist Teil des Credit Control Teams innerhalb des deutschen Operations Bereichs in einem schnell wachsenden Fintech.
Wir verfolgen einen konsequenten “Customer first”-Ansatz, und Deine zentrale Aufgabe ist es, Verhandlungen mit unseren Kund*innen (Geschäftsinhaber*innen) zu führen, die Schwierigkeiten bei der Rückzahlung ihres Darlehens haben. An komplexeren Fällen arbeitest du mit unserem Paralegal, unseren Anwält*innen und mit anderen iwoca Teams zusammen (z. B. Account Manager, Kreditanalyse usw.).
In deiner Rolle übernimmst Du frühzeitig Verantwortung mit einem eigenen Kundenportfolio, hast direkten Einfluss auf die Gesamtleistung von Team Deutschland und hast eine Reihe von Möglichkeiten zur persönlichen und beruflichen Weiterentwicklung.
Die Anforderungen
Grundlegend:
Zeigt Neugier im Umgang mit KI-Tools und Interesse daran, diese weiter zu erlernen. Du nutzt KI bereits sicher in der Praxis, um Probleme zu lösen, effizienter zu arbeiten und die Qualität deiner Arbeit zu verbessern. Dabei zeigst du ein gutes Gespür dafür, wann der Einsatz sinnvoll ist, und kannst deine Entscheidungen nachvollziehbar begründen.
Du bearbeitest dein eigenes Kundenportfolio, sprichst mit Kund*innen und verhandelst Lösungen, die sowohl für die Kunden als auch für iwoca optimal sind
Du entscheidest selbständig im Rahmen interner Vorgaben, welche Vorgehensweise die Beste ist
Du analysierst die finanzielle Situation unserer Kund*innen und erarbeitest die entsprechende Strategie, um unsere Kund*innen bestmöglich zu unterstützen
Du verbesserst die Zusammenarbeit und pflegst die Beziehungen mit diversen Stakeholdern
Du bist ein “role model” für unsere Werte (smart, motivated, humble, growth mindset) und gestaltest die Kultur in unserem Office mit
Du arbeitest an teamübergreifenden Projekten zur Optimierung und Implementierung von Prozessen
Das Wichtigste zu Dir:
Wir suchen Menschen, die smart, bodenständig und motiviert sind und sich ständig weiterentwickeln wollen. Um in dieser Rolle erfolgreich zu sein, trifft im Idealfall Folgendes auf Dich zu:
Du hast eine kaufmännische / juristische Ausbildung oder ein (betriebswirtschaftliches) Studium absolviert
Du hast bereits erste Berufserfahrungen gesammelt - idealerweise im Finanzsektor - in einer “customer-facing”-Position
Erfahrungen und Kenntnisse im Forderungsmanagement sind wünschenswert, aber keine Bedingung
Du kommunizierst jederzeit souverän, sowohl schriftlich als auch am Telefon
Du bist sehr empathisch und hast Fingerspitzengefühl
Du hast ein starkes Durchsetzungsvermögen, um auch in schwierigen Situationen zielorientiert vorgehen zu können
Du hast hohes Verhandlungsgeschick mit “customer first”-Ansatz, und es fällt dir leicht, eine starke Beziehung zu deinen Kund*innen aufzubauen
Du denkst proaktiv, bist neugierig und hinterfragst stetig Fälle und Prozesse, um für Verbesserungen zu sorgen - Innovation macht Dir Spaß und motiviert Dich
Du bist ein echter Teamplayer und immer bereit, deine Kolleg*innen zu unterstützen
Du hast ausgezeichnete Deutschkenntnisse, außerdem bringst du gute Englischkenntnisse mit, sodass Meetings in unserem internationalen Team kein Problem für dich sind
Du hast Spaß daran, in einem internationalen Team zu arbeiten
Wir rechnen mit einem Gehalt zwischen 34.000 € und 46.000 € für diese Stelle. Uns ist es jedoch wichtig, dich fair zu bezahlen, also gib in deiner Bewerbung unbedingt deine Gehaltsvorstellungen an. Wir vergleichen Gehälter regelmäßig mit den marktüblichen Sätzen und führen zusätzlich vierteljährliche Performance- und Gehaltsreviews durch.
Bei iwoca gewinnt die beste Idee. Unsere Kultur basiert auf eigenständigem Denken, dem Hinterfragen von Annahmen und faktenbasierten Entscheidungen. Wir legen großen Wert auf Lernen und Weiterentwicklung und geben dir die Freiheit, dich in die Richtung zu entwickeln, in der du am wirkungsvollsten bist.
Wir sind ein Technologieunternehmen und glauben an das Potenzial von KI, uns schneller und besser arbeiten zu lassen. Wir schaffen die Voraussetzungen dafür, dass alle im Team jederzeit Zugriff auf die besten Modelle haben – und dass diese Modelle mit unseren Daten arbeiten können. Gleichzeitig unterstützen wir dich dabei, den Umgang mit neuen Tools zu lernen und dich mit ihnen weiterzuentwickeln.
Wir geben uns viel Mühe, iwoca zu einem großartigen Arbeitsplatz zu machen:
Büros in Berlin, Frankfurt, London und Leeds mit reichlich Snacks und Getränken
Veranstaltungen und Clubs: Von Laufgruppen und Padel bis hin zu monatlichen Ping-Pong- und Billard-Turnieren
Ein smartes, motiviertes und internationales Team (wir vertreten über 35 verschiedene Nationalitäten) mit einem unbändigen Growth-Mindset
26 Urlaubstage pro Jahr, plus ein freier Tag an deinem Geburtstag, die Möglichkeit, bis zu fünf Urlaubstage zu kaufen oder zu verkaufen, sowie unbegrenzter (unbezahlter) Urlaub
Ein 1-monatiges, voll bezahltes Sabbatical nach 4 Jahren bei iwoca
Direkter Zugang zur Unterstützung von zertifizierten Psycholog*innen mit unserem Partner OpenUp für Teammitglieder, die emotionale oder mentale Unterstützung brauchen
Zuschuss zur Fitnessstudio-Mitgliedschaft: 25 € für Fit711 oder den Urban Sports Club
30 € Zuschuss zum Deutschlandticket
Betriebliche Altersvorsorge über Canada Life
Top-Standorte: In Frankfurt direkt in der Innenstadt, in Berlin mitten im Prenzlauer Berg
Ein bezahlter Tag für Freiwilligenarbeit, an dem du eine gemeinnützige Organisation deiner Wahl unterstützen kannst
Voll ausgestattete Kühlschränke in unseren Büros mit allem, was das Herz begehrt: von gesunden Snacks bis hin zu Nervennahrung für den ganzen Tag
“Summer Houses” im Süden Europas und “Winter Houses” in den Alpen – bisher ging’s unter anderem nach Frankreich, Italien, Spanien und sogar noch weiter weg
Corporate Benefits Rabatte
Und damit das Lernen nie aufhört, bieten wir:
Ein persönliches Budget zum Lernen und Weiterbilden für alle
Ein Budget für Deutsch/Englisch-Unterricht
Vorträge mit internen und externen Referent*innen für das ganze Unternehmen
Zugang zu Lernplattformen wie Treehouse
Nützliche Links:
Mehr Details und zusätzliche Benefits findest du unter iwoca Benefits & Richtlinien
Hier findest du unser iwoca Willkommenspaket für Interviews
Gerade für kleine Unternehmen muss es oft schnell gehen. Chancen warten nicht und Liquiditätsengpässe können über Nacht entstehen. Um voranzukommen und zu wachsen, brauchen KMU Finanzierung, die genauso flexibel und reaktionsschnell ist wie sie selbst.
Genau deshalb haben wir iwoca gegründet. Unsere smarte Technologie, moderne Datenanalyse und unser erstklassiger Kundenservice sorgen dafür, dass Unternehmer*innen schnell, sicher und kontrolliert handeln können - genau in den Momenten, in denen es darauf ankommt.
Wir haben bereits mehr als 150.000 Unternehmen mit über 4,5 Milliarden Euro unterstützt. Unser Team setzt alles daran, noch mehr Mittelständler*innen zum Erfolg zu verhelfen - durch besseren Zugang zu Finanzierung und zusätzliche Services, die den Geschäftsalltag einfacher machen. Unsere Mission? Eine Million Unternehmen in ihren entscheidenden Momenten zu unterstützen und so einen nachhaltigen Beitrag zu leisten- sowohl für die Unternehmen selbst, als auch für ihr wirtschaftliches Ökosystem und die deutsche Gesamtwirtschaft.
Die Stelle
Als Account Manager*in bist du die direkte Schnittschnelle zu unseren Kund*innen und die Stimme von iwoca. Du betreust dein eigenes Portfolio von Neu- und Bestandskund*innen und unterstützt eigenverantwortlich Unternehmer*innen während unseres Kreditprozesses und der gesamten Kreditlaufzeit. Dabei legst du höchsten Wert auf Kundenservice und ermöglichst unseren Kund*innen durch deine Kommunikation die optimale Nutzung unserer Produkte.
Ein grundlegender Baustein für unseren Erfolg ist es, Kund*innen und Partner*innen von unserer Mission zu überzeugen und zu begeistern - das reicht bei unseren Kund*innen vom Frisörsalon bis zur Zahnarztpraxis und bei unseren Partner*innen von der Finanzberatung bis zu den Mitarbeiter*innen der Bankfiliale.
Wenn Sie mehr über diese Position erfahren möchten, finden Sie hier den passenden Artikel.
Zusammen arbeiten, gemeinsam wachsen: Bei uns erwartet dich ein Umfeld, in dem deine Ideen wirklich etwas bewegen. Dass unsere Kultur nicht nur auf dem Papier gut klingt, zeigt auch unser Kununu-Score von über 4,5 – ein Team, auf das man sich jeden Tag freuen kann!
Die Anforderungen
Grundlegend:
Zeigt Neugier im Umgang mit KI-Tools und Interesse daran, diese weiter zu erlernen. Du nutzt KI bereits sicher in der Praxis, um Probleme zu lösen, effizienter zu arbeiten und die Qualität deiner Arbeit zu verbessern. Dabei zeigst du ein gutes Gespür dafür, wann der Einsatz sinnvoll ist, und kannst deine Entscheidungen nachvollziehbar begründen.
Du begleitest Neukund*innen bei den Schritten für einen erfolgreichen Vertragsabschluss und übertriffst ihre Erwartungen, indem du auf individuelle Anliegen eingehst und zusammen mit Kund*innen den optimalen Einsatz für unser Produkt findest.
Du stellst sicher, dass unsere Kund*innen über ihre individuellen Möglichkeiten und unsere Produktentwicklungen rasch informiert sind.
Du verantwortest dein eigenes Portfolio an bestehenden und neuen Kund*innen.
Du baust starke, langfristige Beziehungen zu deinen Kund*innen auf und hilfst ihnen dabei, ihre Geschäftsziele mit iwoca zu erreichen.
Du hast ein gutes Verständnis der Funktionsweise von Unternehmen, einschließlich ihrer wichtigsten Risiko- und Ertragsfaktoren.
Durch dein regelmäßiges Feedback zu Rückmeldungen unserer Kund*innen, Verbesserungsmöglichkeiten unserer Prozesse oder neue Angebote unserer Wettbewerber nimmst du aktiv an der Weiterentwicklung von iwoca teil.
Das Wichtigste zu Dir:
Wir suchen Menschen, die smart, bodenständig und motiviert sind und sich ständig weiterentwickeln wollen. Um in dieser Rolle erfolgreich zu sein, trifft im Idealfall Folgendes auf Dich zu:
Du hast exzellente Kommunikationsfähigkeiten und ausgezeichnete Deutschkenntnisse (C1). Außerdem bringst du Englischkenntnisse mit, sodass Meetings in unserem internationalen Team kein Problem für dich sind.
Du hast Spaß an der Kommunikation mit Kund*innen und lebst “Customer Centricity\". Für dich ist es die größte Motivation, Erfolge mit unseren Kund*innen zu erzielen.
Du hast eine abgeschlossene kaufmännische Ausbildung / betriebswirtschaftliches Studium und kannst mit relevanter Berufserfahrung im Kundenservice punkten (Erfahrungen im Bankenumfeld oder einem Fintech sind ein Plus).
Du bist ein echter Teamplayer und kannst das Team bei bereichsübergreifenden Projekten unterstützen.
Du bist hochmotiviert, organisiert, vertriebsorientiert und hast eine ‘Hands-on-Mentalität’.
Eine selbstständige, teamorientierte und zuverlässige Arbeitsweise ist für dich selbstverständlich.
Du besitzt die Fähigkeit, \"über den Tellerrand hinauszudenken\", um Optimierungsvorschläge zu unseren Produkten, Systemen und Prozessen zu machen.
Wir rechnen mit einem Gehalt zwischen 41.000 € und 50.000 € für diese Stelle. Uns ist es jedoch wichtig, dich fair zu bezahlen, also gib in deiner Bewerbung unbedingt deine Gehaltsvorstellungen an. Wir vergleichen Gehälter regelmäßig mit den marktüblichen Sätzen und führen zusätzlich vierteljährliche Performance- und Gehaltsreviews durch.
Bei iwoca gewinnt die beste Idee. Unsere Kultur basiert auf eigenständigem Denken, dem Hinterfragen von Annahmen und faktenbasierten Entscheidungen. Wir legen großen Wert auf Lernen und Weiterentwicklung und geben dir die Freiheit, dich in die Richtung zu entwickeln, in der du am wirkungsvollsten bist.
Wir sind ein Technologieunternehmen und glauben an das Potenzial von KI, uns schneller und besser arbeiten zu lassen. Wir schaffen die Voraussetzungen dafür, dass alle im Team jederzeit Zugriff auf die besten Modelle haben – und dass diese Modelle mit unseren Daten arbeiten können. Gleichzeitig unterstützen wir dich dabei, den Umgang mit neuen Tools zu lernen und dich mit ihnen weiterzuentwickeln.
Wir geben uns viel Mühe, iwoca zu einem großartigen Arbeitsplatz zu machen:
Büros in Berlin, Frankfurt, London und Leeds mit reichlich Snacks und Getränken
Veranstaltungen und Clubs: Von Laufgruppen und Padel bis hin zu monatlichen Ping-Pong- und Billard-Turnieren
Ein smartes, motiviertes und internationales Team (wir vertreten über 35 verschiedene Nationalitäten) mit einem unbändigen Growth-Mindset
26 Urlaubstage pro Jahr, plus ein freier Tag an deinem Geburtstag, die Möglichkeit, bis zu fünf Urlaubstage zu kaufen oder zu verkaufen, sowie unbegrenzter (unbezahlter) Urlaub
Ein 1-monatiges, voll bezahltes Sabbatical nach 4 Jahren bei iwoca
Direkter Zugang zur Unterstützung von zertifizierten Psycholog*innen mit unserem Partner OpenUp für Teammitglieder, die emotionale oder mentale Unterstützung brauchen
Zuschuss zur Fitnessstudio-Mitgliedschaft: 25 € für Fit711 oder den Urban Sports Club
30 € Zuschuss zum Deutschlandticket
Betriebliche Altersvorsorge über Canada Life
Top-Standorte: In Frankfurt direkt in der Innenstadt, in Berlin mitten im Prenzlauer Berg
Ein bezahlter Tag für Freiwilligenarbeit, an dem du eine gemeinnützige Organisation deiner Wahl unterstützen kannst
Voll ausgestattete Kühlschränke in unseren Büros mit allem, was das Herz begehrt: von gesunden Snacks bis hin zu Nervennahrung für den ganzen Tag
“Summer Houses” im Süden Europas und “Winter Houses” in den Alpen – bisher ging’s unter anderem nach Frankreich, Italien, Spanien und sogar noch weiter weg
Corporate Benefits Rabatte
Und damit das Lernen nie aufhört, bieten wir:
Ein persönliches Budget zum Lernen und Weiterbilden für alle
Ein Budget für Deutsch/Englisch-Unterricht
Vorträge mit internen und externen Referent*innen für das ganze Unternehmen
Zugang zu Lernplattformen wie Treehouse
Nützliche Links:
Mehr Details und zusätzliche Benefits findest du unter iwoca Benefits & Richtlinien
Hier findest du unser iwoca Willkommenspaket für Interviews
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for a Collections Specialist (m/f/d)
We are looking for a diligent a Collections & Debt Recovery Specialist to help us maximise collections returns by understanding the customer’s circumstances and ensuring that all actions achieve the best outcome for iwoca and our clients.
The role
We are seeking an experienced Collections Specialist who will be required to work within a fast-paced, customer focused environment, providing great customer service while maintaining the team’s excellent track record.
Case handling a high volume portfolio of customer accounts in arrears through to completion with varying and unique circumstances
Handling inbound and initiating outbound telephone calls, letters and emails with the greatest level of care, accuracy and customer service skills
Building relationships with customers through regular contact to validate, understand and resolve breaches of agreements with customers
Negotiate, implement and monitor feasible repayment solutions that take into account the customer's circumstances while balancing the best interests of the business
Work with a wide range of teams within the company to understand, strategise and implement the most appropriate course of action for each account
Working closely with Collections Management and the Head of Collections to review and develop recovery strategies
Instructing, liaising and monitoring third parties such as debt collection agencies and Paralegals to ensure the best outcome is achieved
Ensuring compliance with all appropriate legislation regulatory body guidelines
Adhering to our company policies and procedures
Upholding iwoca’s company reputation at all times
Updating databases and systems in order to keep an accurate record of activities, observations and outcomes within the recovery process
The requirements
Essential:
Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
A level of German, C1 that allows you to feel comfortable talking to clients, negotiate arrangements and handle tense situations
We look for people who are smart, humble, motivated and who are always looking to improve.
Ideally you'll have:
Nice to have 1 year debt recovery experience, ideally in the commercial/business sector
Empathy, forbearance and professionalism
Strong communication skills, accuracy and confidence
The ability to deal with a variety of challenges, innovate and think on your feet
Business acumen, entrepreneurial spirit with real enthusiasm for helping SMEs. Experience within the finance industry is advantageous.
The salary
We expect to pay from 34.000 € — 46.000 € 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset.
26 days of vacation a year plus a free day for your birthday.
One-month fully paid sabbatical after 4 years.
Mental health support with direct access to certified psychologists via our partner OpenUp.
iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
€30 contribution towards the Deutschlandticket.
Company Pension with Canada Life.
Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
Corporate Benefits discounts.
’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone, including a book budget.
Learning German budget.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Useful links:
See iwoca benefits & policies for detail and some additional benefits.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The role
As an Account Manager, you build your own portfolio of business owners and help them navigate their financial journey with iwoca. Your work directly contributes to the financial success of iwoca and the customer experience. From independent hair salons to established dental practices, you will ensure our customers feel supported, heard, and empowered to grow.
The requirements
Essential:
Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
Guide & Assist: Support new customers through their application journey, simplifying complex steps and finding the right financial solutions for their business goals.
Build Partnerships: Foster long-lasting, trust-based relationships with a portfolio of existing and new clients.
Champion the Customer: Our systems are always developing. Act as the internal \"Voice of the Customer,\" sharing insights with our product and tech teams to help us innovate and stay ahead of the competition.
Strategic Growth: Use your understanding of business drivers to help clients maximise their potential while keeping them informed about new opportunities and product developments.
Collaborate: Work within an international, cross-functional team to improve our processes and help us scale our mission.
The most important things about you:
We are looking for a driven, communicative, empathetic professional who thrives in a collaborative environment. You might be the right fit if:
You are Multilingual: You possess C1-level German communication skills (both written and spoken) and are comfortable collaborating in English within our diverse, international office.
You are a People Person: You genuinely enjoy connecting with others and are motivated by seeing your clients succeed.
You Thrive in Fast-Paced Environments: You have proven experience managing a high volume of calls without losing your cool. You can multitask effectively while maintaining a high standard of service and a positive tone.
You are a Problem-Solver: You enjoy thinking creatively and \"outside the box\" to find solutions for your clients and improvements for the team.
You are Organised & Proactive: You take pride in managing your work independently while remaining a reliable and supportive team player.
The salary
We expect to pay from £34,000 - £42,000 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.
We don't expect you to tick every box when it comes to experience or qualifications, and we'd still love to hear from you if your background is a little different. However, German language proficiency at a minimum C1 level (spoken and written) is essential for this role and isn't something we can be flexible on.
This is a German-speaking, customer-facing role. A minimum C1 level of German, both spoken and written, is essential.
You'll be communicating with German-speaking customers daily, so you'll need to be confident handling conversations, explaining information and answering questions fluently in German.
All interviews are conducted in German, and the next stage of our recruitment process will assess your spoken German.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe role\n\nAs an Account Manager, you build your own portfolio of business owners and help them navigate their financial journey with iwoca. Your work directly contributes to the financial success of iwoca and the customer experience. From independent hair salons to established dental practices, you will ensure our customers feel supported, heard, and empowered to grow.\n\n\n\nThe requirements\n\nEssential:\n\n - Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.\n\n - Guide & Assist: Support new customers through their application journey, simplifying complex steps and finding the right financial solutions for their business goals.\n\n - Build Partnerships: Foster long-lasting, trust-based relationships with a portfolio of existing and new clients.\n\n - Champion the Customer: Our systems are always developing. Act as the internal \"Voice of the Customer,\" sharing insights with our product and tech teams to help us innovate and stay ahead of the competition.\n\n - Strategic Growth: Use your understanding of business drivers to help clients maximise their potential while keeping them informed about new opportunities and product developments.\n\n - Collaborate: Work within an international, cross-functional team to improve our processes and help us scale our mission.\n\n\n\nThe most important things about you:\n\nWe are looking for a driven, communicative, empathetic professional who thrives in a collaborative environment. You might be the right fit if:\n\n - You are Multilingual: You possess C1-level German communication skills (both written and spoken) and are comfortable collaborating in English within our diverse, international office.\n\n - You are a People Person: You genuinely enjoy connecting with others and are motivated by seeing your clients succeed.\n\n - You Thrive in Fast-Paced Environments: You have proven experience managing a high volume of calls without losing your cool. You can multitask effectively while maintaining a high standard of service and a positive tone.\n\n - You are a Problem-Solver: You enjoy thinking creatively and \"outside the box\" to find solutions for your clients and improvements for the team.\n\n - You are Organised & Proactive: You take pride in managing your work independently while remaining a reliable and supportive team player.\n\n\n\nThe salary\n\nWe expect to pay from £34,000 - £42,000 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.\n\n\n\nWe don't expect you to tick every box when it comes to experience or qualifications, and we'd still love to hear from you if your background is a little different. However, German language proficiency at a minimum C1 level (spoken and written) is essential for this role and isn't something we can be flexible on.\n\n\n\nThis is a German-speaking, customer-facing role. A minimum C1 level of German, both spoken and written, is essential.\nYou'll be communicating with German-speaking customers daily, so you'll need to be confident handling conversations, explaining information and answering questions fluently in German.\nAll interviews are conducted in German, and the next stage of our recruitment process will assess your spoken German.\n\n\n\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"67f96228-e72b-40ce-a303-e1358550d5aa","title":"Outbound Sales Manager","department":"Sales and Business Development","team":"Sales and Business Development","employmentType":"FullTime","location":"Berlin","secondaryLocations":[{"location":"Germany","address":{"postalAddress":{"addressRegion":"Brandenburg","addressCountry":"Germany","addressLocality":"berlin"}}},{"location":"Frankfurt","address":{"postalAddress":{"addressRegion":"Hessen","addressCountry":"Germany","addressLocality":"Frankfurt"}}}],"publishedAt":"2026-06-03T06:40:06.705+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"","addressRegion":"BE","addressCountry":"DE","addressLocality":"Berlin"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/67f96228-e72b-40ce-a303-e1358550d5aa","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/67f96228-e72b-40ce-a303-e1358550d5aa/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for a motivated Outbound Sales Manager (m/f/d) to join our new direct sales team. This role is instrumental in helping small businesses thrive by driving the full sales cycle – from lead qualification to closing deals – and shaping the processes of a foundational team.
The team
The Outbound Sales team is a foundational part of our growth strategy in Germany. As a newly established team, it operates with an entrepreneurial spirit, giving you the freedom to shape the processes and culture that will drive future success. The team works in a fast-paced, collaborative environment to connect German small businesses with the funding they need.
The role
This role offers the chance to be a foundational member of a new team, with the possibility to shape its success.
Impact and Autonomy:
Build and manage a high-quality pipeline of leads, taking full ownership of the sales cycle from initial contact to a closed deal.
Identify and qualify prospects, using your judgment to determine which businesses have a genuine need for finance.
Shape the team’s sales strategy by sharing best practices and insights to improve collective success.
Growth and Development:
Master the iwoca value proposition and learn to communicate complex financial products in a simple, compelling way.
Develop your pipeline management and closing skills in a supportive environment with a focus on continuous feedback and improvement.
Exceed your KPIs to drive sales growth, with uncapped commission to reward your performance.
Essential:
Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
At least two years of experience in a sales role, with a proven track record of meeting or exceeding targets.
Comfort and proficiency in making a high volume of outbound cold calls.
Fluency in German (C1 level) and in English.
A highly motivated, target-driven mindset.
Bonus:
Experience selling a product or service to small businesses.
Experience managing a sales pipeline using a CRM system (Hubspot).
A talent for explaining complex products in a simple, understandable way.
Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.
You can read more about the sales role here.
The salary
We expect to pay from €57.000 - €65.000 OTE (€42,000 - €50,000 base salary + bonus, uncapped) 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.
To ensure your success from day one, for the first three months you receive 2/3 of your on-target commission.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset.
26 days of vacation a year plus a free day for your birthday.
One-month fully paid sabbatical after 4 years.
Mental health support with direct access to certified psychologists via our partner OpenUp.
iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
€30 contribution towards the Deutschlandticket.
Company Pension with Canada Life.
Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
Corporate Benefits discounts.
’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone, including a book budget.
Learning German budget.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Useful links:
See iwoca benefits & policies for detail and some additional benefits.
Wir suchen eine*n Outbound Sales Manager*in (m/w/d)
Wir suchen engagierte Outbound Sales Manager*innen (m/w/d), die unser neues Outbound Sales-Team mit aufbauen. Deine Mission ist es, kleinen und mittleren Unternehmen (KMU) zum Erfolg zu verhelfen. Du steuerst den kompletten Sales-Zyklus, von der ersten Kontaktaufnahme bis zum Abschluss. Dabei hast du als frühes Team-Mitglied die Chance, von Anfang an die Strukturen und Prozesse in einem Team mitzugestalten.
Gerade für kleine Unternehmen muss es oft schnell gehen. Chancen warten nicht und Liquiditätsengpässe können über Nacht entstehen. Um voranzukommen und zu wachsen, brauchen KMU Finanzierung, die genauso flexibel und reaktionsschnell ist wie sie selbst.
Genau deshalb haben wir iwoca gegründet. Unsere smarte Technologie, moderne Datenanalyse und unser erstklassiger Kundenservice sorgen dafür, dass Unternehmer*innen schnell, sicher und kontrolliert handeln können - genau in den Momenten, in denen es darauf ankommt.
Wir haben bereits mehr als 150.000 Unternehmen mit über 4,5 Milliarden Euro unterstützt. Unser Team setzt alles daran, noch mehr Mittelständler*innen zum Erfolg zu verhelfen - durch besseren Zugang zu Finanzierung und zusätzliche Services, die den Geschäftsalltag einfacher machen. Unsere Mission? Eine Million Unternehmen in ihren entscheidenden Momenten zu unterstützen und so einen nachhaltigen Beitrag zu leisten- sowohl für die Unternehmen selbst, als auch für ihr wirtschaftliches Ökosystem und die deutsche Gesamtwirtschaft.
Das Team
Unser Outbound Sales Team ist ein Grundpfeiler unserer Wachstumsstrategie in Deutschland. Da das Team gerade aufgebaut wird, erlebst du bei uns echten Gründungs-Spirit und hast die einzigartige Chance, die Prozesse und die Kultur entscheidend mitzuprägen. In einem schnellen und teamorientierten Umfeld ist es unser Ziel, deutsche KMU mit der Finanzierung zusammenzubringen, die sie für ihr Wachstum benötigen.
Die Stelle
In dieser Rolle hast du die Chance, als Gründungsmitglied eines neuen Teams dessen Erfolg von Anfang an mitzugestalten und genießt dabei Gestaltungsspielraum.
Die Anforderungen
Grundlegend:
Zeigt Neugier im Umgang mit KI-Tools und Interesse daran, diese weiter zu erlernen. Du nutzt KI bereits sicher in der Praxis, um Probleme zu lösen, effizienter zu arbeiten und die Qualität deiner Arbeit zu verbessern. Dabei zeigst du ein gutes Gespür dafür, wann der Einsatz sinnvoll ist, und kannst deine Entscheidungen nachvollziehbar begründen.
Dein Impact & Gestaltungsspielraum
Sales-Pipeline: Du baust eine hochwertige Pipeline mit potenziellen Kunden auf und übernimmst die volle Verantwortung für den gesamten Sales-Zyklus – vom Erstkontakt bis zum erfolgreichen Abschluss.
Analyse & Qualifizierung: Du identifizierst und qualifizierst potenzielle Neukunden und beurteilst, welche Unternehmen einen echten Finanzierungsbedarf haben.
Strategie & Teamwork: Du gestaltest die Vertriebsstrategie des Teams aktiv mit, indem du deine Erkenntnisse und Best Practices teilst, um unseren gemeinsamen Erfolg zu steigern.
Deine Entwicklung & Perspektiven
Expertise: Du wirst zum Experten für unser Wertversprechen (Value Proposition) und lernst, komplexe Finanzprodukte einfach und überzeugend zu erklären.
Weiterentwicklung: In einem unterstützenden Umfeld mit regelmäßigem Feedback entwickelst du deine Fähigkeiten im Pipeline-Management und im Sales stetig weiter.
Performance & Vergütung: Deine starke Leistung und das Übertreffen deiner KPIs treiben unser Wachstum direkt an und werden durch eine attraktive, ungedeckelte Provision belohnt.
Das wichtigste zu Dir:
Das bringst du mit
Du hast mindestens zwei Jahre Vertriebserfahrung und deine Ziele dabei regelmäßig erreicht oder sogar übertroffen.
Du bist sicher und erfahren in der telefonischen Kaltakquise und hast keine Scheu vor einem hohen Anrufvolumen.
Du bist sprachlich absolut sicher im Deutschen (C1) und bewegst dich auf Englisch verhandlungssicher.
Eine hohe Eigenmotivation und eine stark zielorientierte Arbeitsweise zeichnen dich aus.
Zusätzliche Pluspunkte
Du hast bereits Erfahrung im Vertrieb von Produkten oder Dienstleistungen an kleine und mittlere Unternehmen (KMU).
Du bist erfahren im Umgang mit CRM-Systemen (wir benutzen Hubspot) zur Steuerung deiner Sales Pipeline.
Du hast das Talent, auch komplexe Zusammenhänge einfach und verständlich zu erklären.
Mehr über die Vertriebsrolle erfahren Sie hier.
Du erfüllst nicht alle Punkte?
Sieh diese Liste nicht als strenge Checkliste an – sie soll dir lediglich eine Vorstellung davon geben, wer gut zu dieser Rolle passen könnte. Wir möchten dich auch dann unbedingt kennenlernen, wenn du nicht jeden Punkt erfüllst, aber andere wertvolle Erfahrungen mitbringst und davon überzeugt bist, dass du die richtige Person für den Job bist.
Das Gehalt
Wir rechnen mit einem Gehalt (OTE) zwischen 57.000 € – 65.000 € pro Jahr, bestehend aus einem Grundgehalt von 42.000 € – 50.000 € plus einem ungedeckelten Bonus. Uns ist es jedoch wichtig, dich fair zu bezahlen, also gib in deiner Bewerbung unbedingt deine Gehaltsvorstellungen an. Wir vergleichen Gehälter regelmäßig mit den marktüblichen Sätzen und führen zusätzlich vierteljährliche Performance- und Gehaltsreviews durch.
Um deinen Erfolg von Tag eins an zu sichern, erhältst du in den ersten drei Monaten 2/3 deiner Zielprovision.
Bei iwoca gewinnt die beste Idee. Unsere Kultur basiert auf eigenständigem Denken, dem Hinterfragen von Annahmen und faktenbasierten Entscheidungen. Wir legen großen Wert auf Lernen und Weiterentwicklung und geben dir die Freiheit, dich in die Richtung zu entwickeln, in der du am wirkungsvollsten bist.
Wir sind ein Technologieunternehmen und glauben an das Potenzial von KI, uns schneller und besser arbeiten zu lassen. Wir schaffen die Voraussetzungen dafür, dass alle im Team jederzeit Zugriff auf die besten Modelle haben – und dass diese Modelle mit unseren Daten arbeiten können. Gleichzeitig unterstützen wir dich dabei, den Umgang mit neuen Tools zu lernen und dich mit ihnen weiterzuentwickeln.
Wir geben uns viel Mühe, iwoca zu einem großartigen Arbeitsplatz zu machen:
Büros in Berlin, Frankfurt, London und Leeds mit reichlich Snacks und Getränken
Veranstaltungen und Clubs: Von Laufgruppen und Padel bis hin zu monatlichen Ping-Pong- und Billard-Turnieren
Ein smartes, motiviertes und internationales Team (wir vertreten über 35 verschiedene Nationalitäten) mit einem unbändigen Growth-Mindset
26 Urlaubstage pro Jahr, plus ein freier Tag an deinem Geburtstag, die Möglichkeit, bis zu fünf Urlaubstage zu kaufen oder zu verkaufen, sowie unbegrenzter (unbezahlter) Urlaub
Ein 1-monatiges, voll bezahltes Sabbatical nach 4 Jahren bei iwoca
Direkter Zugang zur Unterstützung von zertifizierten Psycholog*innen mit unserem Partner OpenUp für Teammitglieder, die emotionale oder mentale Unterstützung brauchen
Zuschuss zur Fitnessstudio-Mitgliedschaft: 25 € für Fit711 oder den Urban Sports Club
30 € Zuschuss zum Deutschlandticket
Betriebliche Altersvorsorge über Canada Life
Top-Standorte: In Frankfurt direkt in der Innenstadt, in Berlin mitten im Prenzlauer Berg
Ein bezahlter Tag für Freiwilligenarbeit, an dem du eine gemeinnützige Organisation deiner Wahl unterstützen kannst
Voll ausgestattete Kühlschränke in unseren Büros mit allem, was das Herz begehrt: von gesunden Snacks bis hin zu Nervennahrung für den ganzen Tag
“Summer Houses” im Süden Europas und “Winter Houses” in den Alpen – bisher ging’s unter anderem nach Frankreich, Italien, Spanien und sogar noch weiter weg
Corporate Benefits Rabatte
Und damit das Lernen nie aufhört, bieten wir:
Ein persönliches Budget zum Lernen und Weiterbilden für alle
Ein Budget für Deutsch/Englisch-Unterricht
Vorträge mit internen und externen Referent*innen für das ganze Unternehmen
Zugang zu Lernplattformen wie Treehouse
Nützliche Links:
Mehr Details und zusätzliche Benefits findest du unter iwoca Benefits & Richtlinien
Hier findest du unser iwoca Willkommenspaket für Interviews
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for a Sales Executive
Our Sales Executives are skilled sales professionals focused on re-engaging and converting business customers. You’ll manage and nurture a high quality sales pipeline, with the opportunity to earn uncapped commission based on revenue generated. Our Sales Executives are focused on businesses who have either applied, or used our products or services in the past, but aren’t currently.
Your mission
Build and nurture a pipeline of high quality leads from qualified pools of business customers
Employ expert sales skills to understand customer needs and tailor your pitch to iwoca’s market-leading product offering
Utilise our market leading tech and systems to effectively manage your own portfolio of leads, following your own contact strategy
Go above and beyond to hit your KPIs, maximise commission and exceed growth targets
Liaise with different teams within iwoca, such as Account Management, Marketing and Underwriting to achieve the best outcome for your customers
Be a team player, helping to improve this exciting part of the business
Requirements
We look for people who are smart, humble, motivated and who are always looking to improve.
Ideally you'll have:
Have past experience in sales, ideally within financial services
Be comfortable making outbound calls, and have an excellent call manner
Be highly motivated, and excited to exceed targets
Be able to take on, and provide, quality feedback to power your own growth, as well as that of your teammates
Be organised and able to manage a large pipeline of prospects, with deals at various stages of progress
Be able to simplify and explain complex products in a way that customers with little experience in commercial financing can easily understand
Desired (but not essential):
Understand the challenges facing small businesses
A good understanding of different financial products used by small businesses
The salary
The expected OTE for this role ranges from £55,000 - £70,000. 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 development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nWe’re looking for a Sales Executive \nOur Sales Executives are skilled sales professionals focused on re-engaging and converting business customers. You’ll manage and nurture a high quality sales pipeline, with the opportunity to earn uncapped commission based on revenue generated. Our Sales Executives are focused on businesses who have either applied, or used our products or services in the past, but aren’t currently. \n\n\n\nYour mission\n\n - Build and nurture a pipeline of high quality leads from qualified pools of business customers\n\n - Employ expert sales skills to understand customer needs and tailor your pitch to iwoca’s market-leading product offering\n\n - Utilise our market leading tech and systems to effectively manage your own portfolio of leads, following your own contact strategy\n\n - Go above and beyond to hit your KPIs, maximise commission and exceed growth targets\n\n - Liaise with different teams within iwoca, such as Account Management, Marketing and Underwriting to achieve the best outcome for your customers\n\n - Be a team player, helping to improve this exciting part of the business\n\n\n\nRequirements\n\nWe look for people who are smart, humble, motivated and who are always looking to improve.\n\nIdeally you'll have:\n\n - Have past experience in sales, ideally within financial services\n\n - Be comfortable making outbound calls, and have an excellent call manner\n\n - Be highly motivated, and excited to exceed targets\n\n - Be able to take on, and provide, quality feedback to power your own growth, as well as that of your teammates\n\n - Be organised and able to manage a large pipeline of prospects, with deals at various stages of progress\n\n - Be able to simplify and explain complex products in a way that customers with little experience in commercial financing can easily understand\n \n\nDesired (but not essential):\n\n - Understand the challenges facing small businesses\n\n - A good understanding of different financial products used by small businesses\n\n\n\nThe salary\n\nThe expected OTE for this role ranges from £55,000 - £70,000. 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.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"8c52023b-b619-4aff-9ea2-7ff0ee8a1b18","title":"People Experience Administrator - German speaking","department":"People Operations","team":"People Operations","employmentType":"PartTime","location":"London","secondaryLocations":[],"publishedAt":"2026-09-23T08:24:09.198+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/8c52023b-b619-4aff-9ea2-7ff0ee8a1b18","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/8c52023b-b619-4aff-9ea2-7ff0ee8a1b18/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
Part-time: 25 hours per week (flexible). Hybrid in London, United Kingdom.
We’re looking for a People Experience Administrator
Keep the employee journey running smoothly for iwocans across the UK and Germany. You'll support payroll in both countries, run onboarding and offboarding, and be the first port of call for questions. This is a part-time role, ideally 25-hours spread across five days, but if a different pattern suits you better, we can be flexible.
The team
The People Operations team's mission is to attract, develop and retain high performers who genuinely love being part of iwoca. The People Experience team handles the nuts and bolts of the entire employee journey, from onboarding and offboarding to background checks and visa paperwork. It looks after HR systems like BambooHR and Peakon, keeps policies up to date, and manages benefits and payroll. The team is the first point of contact for most People Operations questions.
The role
As our People Experience Administrator, you'll be the first point of contact for iwocans and the person who keeps the employee journey running smoothly, from someone's first day to their last.
Supporting payroll across our UK and German teams is a key part of the role, so you'll play a direct part in making sure every iwocan gets paid correctly and on time.
It's a broad, hands-on role at the heart of our People Operations team, with the flexibility to shape your days and hours around your life, so it suits anyone balancing work with other commitments. You'll own your work and be someone the team relies on.
In this role, you'll:
Support the payroll process across our UK and German entities, working with Finance and our People Partners so every iwocan gets paid correctly and on time.
Own the day-to-day running of our UK and German benefits, and be the person iwocans come to when they have a question about them.
Maintain our HR database (BambooHR) through careful data entry and regular audits, keeping people data accurate across both countries.
Coordinate onboarding for every new iwocan, from background checks to new-starter set-up, so their first days run seamlessly.
Run the offboarding process, booking and tracking exit interviews.
Answer iwocans' day-to-day questions, directly or through our ticketing system.
Work across People processes in both the UK and Germany.
The requirements
Ideally 1-3 years' experience in a People Operations or HR administration role.
Fluent in German and English, so you can confidently support our German team and the payroll and benefit administration.
Confident with HR systems (we use BambooHR and Ashby), accurate with data and reporting, and careful with confidential information.
Comfortable working independently and juggling competing priorities.
Comfortable using AI tools in practical ways to work faster and improve the quality of your work, with good judgement about when to use them.
Genuinely excited by the operational side of the People Ops: you love improving processes, driving change, and being at the centre of how things get done.
The salary
These are full-time salaries that we'll pro-rate for the hours you work. We expect to pay from £32,000 - £36,000 for this role in London but, we’re open-minded and want to find the right person for this role, 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 development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\n\nPEOPLE EXPERIENCE ADMINISTRATOR (GERMAN-SPEAKING) - PEOPLE OPERATIONS\n\nPart-time: 25 hours per week (flexible). Hybrid in London, United Kingdom.\n\n\n\nWe’re looking for a People Experience Administrator\n\nKeep the employee journey running smoothly for iwocans across the UK and Germany. You'll support payroll in both countries, run onboarding and offboarding, and be the first port of call for questions. This is a part-time role, ideally 25-hours spread across five days, but if a different pattern suits you better, we can be flexible.\n\n\n\nThe team\nThe People Operations team's mission is to attract, develop and retain high performers who genuinely love being part of iwoca. The People Experience team handles the nuts and bolts of the entire employee journey, from onboarding and offboarding to background checks and visa paperwork. It looks after HR systems like BambooHR and Peakon, keeps policies up to date, and manages benefits and payroll. The team is the first point of contact for most People Operations questions.\n\n\n\nThe role\n\nAs our People Experience Administrator, you'll be the first point of contact for iwocans and the person who keeps the employee journey running smoothly, from someone's first day to their last.\n\nSupporting payroll across our UK and German teams is a key part of the role, so you'll play a direct part in making sure every iwocan gets paid correctly and on time.\n\nIt's a broad, hands-on role at the heart of our People Operations team, with the flexibility to shape your days and hours around your life, so it suits anyone balancing work with other commitments. You'll own your work and be someone the team relies on.\n\n\n\nIn this role, you'll:\n\n - Support the payroll process across our UK and German entities, working with Finance and our People Partners so every iwocan gets paid correctly and on time.\n\n - Own the day-to-day running of our UK and German benefits, and be the person iwocans come to when they have a question about them.\n\n - Maintain our HR database (BambooHR) through careful data entry and regular audits, keeping people data accurate across both countries.\n\n - Coordinate onboarding for every new iwocan, from background checks to new-starter set-up, so their first days run seamlessly.\n\n - Run the offboarding process, booking and tracking exit interviews.\n\n - Answer iwocans' day-to-day questions, directly or through our ticketing system.\n\n - Work across People processes in both the UK and Germany.\n\n\n\nThe requirements\n\n - Ideally 1-3 years' experience in a People Operations or HR administration role.\n\n - Fluent in German and English, so you can confidently support our German team and the payroll and benefit administration.\n\n - Confident with HR systems (we use BambooHR and Ashby), accurate with data and reporting, and careful with confidential information.\n\n - Comfortable working independently and juggling competing priorities.\n\n - Comfortable using AI tools in practical ways to work faster and improve the quality of your work, with good judgement about when to use them.\n\n - Genuinely excited by the operational side of the People Ops: you love improving processes, driving change, and being at the centre of how things get done.\n\n\n\nThe salary\nThese are full-time salaries that we'll pro-rate for the hours you work. We expect to pay from £32,000 - £36,000 for this role in London but, we’re open-minded and want to find the right person for this role, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"e6c9463c-3f5f-40f1-87cf-3a7aa3024230","title":"Junior Kreditanalyst*in (m/w/d)","department":"Credit and Underwriting","team":"Credit and Underwriting","employmentType":"FullTime","location":"Frankfurt","secondaryLocations":[{"location":"Germany","address":{"postalAddress":{"addressRegion":"Brandenburg","addressCountry":"Germany","addressLocality":"berlin"}}}],"publishedAt":"2026-06-08T12:28:24.327+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"Hessen","addressCountry":"Germany","addressLocality":"Frankfurt"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/e6c9463c-3f5f-40f1-87cf-3a7aa3024230","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/e6c9463c-3f5f-40f1-87cf-3a7aa3024230/application","descriptionHtml":"Gerade für kleine Unternehmen muss es oft schnell gehen. Chancen warten nicht und Liquiditätsengpässe können über Nacht entstehen. Um voranzukommen und zu wachsen, brauchen KMU Finanzierung, die genauso flexibel und reaktionsschnell ist wie sie selbst.
Genau deshalb haben wir iwoca gegründet. Unsere smarte Technologie, moderne Datenanalyse und unser erstklassiger Kundenservice sorgen dafür, dass Unternehmer*innen schnell, sicher und kontrolliert handeln können - genau in den Momenten, in denen es darauf ankommt.
Wir haben bereits mehr als 150.000 Unternehmen mit über 4,5 Milliarden Euro unterstützt. Unser Team setzt alles daran, noch mehr Mittelständler*innen zum Erfolg zu verhelfen - durch besseren Zugang zu Finanzierung und zusätzliche Services, die den Geschäftsalltag einfacher machen. Unsere Mission? Eine Million Unternehmen in ihren entscheidenden Momenten zu unterstützen und so einen nachhaltigen Beitrag zu leisten- sowohl für die Unternehmen selbst, als auch für ihr wirtschaftliches Ökosystem und die deutsche Gesamtwirtschaft.
Unsere Kreditanalysten sind für jede unserer Kreditentscheidungen verantwortlich. Ihre Hauptziele sind der Durchsatz, d.h. die rechtzeitige Bearbeitung aller Anträge, und die genaue Bewertung des Kreditrisikos für jeden Antrag.
Die Stelle
Analyse von Kreditdaten, Jahresabschlüssen und anderen Datenquellen, um das mit der Kreditvergabe verbundene Risiko zu ermitteln
Du führst eine gründliche Risiko-Prüfung unserer Kunden durch, um die Bewertung des Kredits in Übereinstimmung mit den internen Richtlinien sicherzustellen
Erfassen und analysieren der spezifischen Umsatz- und Risikotreiber für KMU
Dein Underwriting an eine Vielzahl unterschiedlicher Unternehmen anpassen, von lokalen Bäckereien bis hin zu hochspezialisierten Herstellern
Die Verantwortung für eigenständige Kreditentscheidungen tragen
Du bist aktiv an der Verbesserung unserer Kompetenz-Matrix durch die Weiterentwicklung unserer Systeme und Prozesse beteiligt
Du arbeitest eng mit den Technik- und Analyse-Teams zusammen, um die Systeme und unsere Scorecard zu verbessern, damit wir bessere, schnellere und fairere Entscheidungen treffen können
Du kommunizierst effektiv mit unserem Account Management Team, um sicherzustellen, dass die Bedürfnisse unserer Kunden jederzeit erfüllt werden
Die Anforderungen
Grundlegend:
Zeigt Neugier im Umgang mit KI-Tools und Interesse daran, diese weiter zu erlernen. Du nutzt KI bereits sicher in der Praxis, um Probleme zu lösen, effizienter zu arbeiten und die Qualität deiner Arbeit zu verbessern. Dabei zeigst du ein gutes Gespür dafür, wann der Einsatz sinnvoll ist, und kannst deine Entscheidungen nachvollziehbar begründen.
Wir suchen Menschen, die smart, bodenständig und motiviert sind und sich ständig weiterentwickeln wollen. Um in dieser Rolle erfolgreich zu sein, trifft im Idealfall Folgendes auf Dich zu:
Ein gutes Verständnis für die Funktionsweise von Unternehmen, einschließlich ihrer wichtigsten Risiko- und Ertragsfaktoren
Die Fähigkeit, Jahresabschlüsse zu interpretieren, um die Unternehmensleistung zu bewerten
Eine analytische Denkweise mit einem praktischen Ansatz zur Problemlösung
Ausgezeichnete Kommunikationsfähigkeiten. Du wirst in direktem Kontakt mit Antragstellern per Telefon und E-Mail stehen, um deren Geschäft besser zu verstehen
Eine zuversichtliche und enthusiastische Einstellung, um Dich in einem sich ständig ändernden und schnelllebigen Umfeld zurecht zu finden
Eine große Portion gesunden Menschenverstand
Du sprichst fließend Deutsch und beherrschst Englisch in Wort und Schrift
Du interessierst Dich für die Stelle, aber denkst, Du erfüllst noch nicht alle Anforderungen? Kein Problem. Wir glauben fest an persönliche Weiterentwicklung. Wenn Dich die Stelle anspricht, würden wir uns freuen, von Dir zu hören, auch wenn Du noch nicht alle Punkte auf der Liste erfüllst.
Wir rechnen mit einem Gehalt zwischen 46.000 € und 55.000 € für diese Stelle. Uns ist es jedoch wichtig, dich fair zu bezahlen, also gib in deiner Bewerbung unbedingt deine Gehaltsvorstellungen an. Wir vergleichen Gehälter regelmäßig mit den marktüblichen Sätzen und führen zusätzlich vierteljährliche Performance- und Gehaltsreviews durch.
Bei iwoca gewinnt die beste Idee. Unsere Kultur basiert auf eigenständigem Denken, dem Hinterfragen von Annahmen und faktenbasierten Entscheidungen. Wir legen großen Wert auf Lernen und Weiterentwicklung und geben dir die Freiheit, dich in die Richtung zu entwickeln, in der du am wirkungsvollsten bist.
Wir sind ein Technologieunternehmen und glauben an das Potenzial von KI, uns schneller und besser arbeiten zu lassen. Wir schaffen die Voraussetzungen dafür, dass alle im Team jederzeit Zugriff auf die besten Modelle haben – und dass diese Modelle mit unseren Daten arbeiten können. Gleichzeitig unterstützen wir dich dabei, den Umgang mit neuen Tools zu lernen und dich mit ihnen weiterzuentwickeln.
Wir geben uns viel Mühe, iwoca zu einem großartigen Arbeitsplatz zu machen:
Büros in Berlin, Frankfurt, London und Leeds mit reichlich Snacks und Getränken
Veranstaltungen und Clubs: Von Laufgruppen und Padel bis hin zu monatlichen Ping-Pong- und Billard-Turnieren
Ein smartes, motiviertes und internationales Team (wir vertreten über 35 verschiedene Nationalitäten) mit einem unbändigen Growth-Mindset
26 Urlaubstage pro Jahr, plus ein freier Tag an deinem Geburtstag, die Möglichkeit, bis zu fünf Urlaubstage zu kaufen oder zu verkaufen, sowie unbegrenzter (unbezahlter) Urlaub
Ein 1-monatiges, voll bezahltes Sabbatical nach 4 Jahren bei iwoca
Direkter Zugang zur Unterstützung von zertifizierten Psycholog*innen mit unserem Partner OpenUp für Teammitglieder, die emotionale oder mentale Unterstützung brauchen
Zuschuss zur Fitnessstudio-Mitgliedschaft: 25 € für Fit711 oder den Urban Sports Club
30 € Zuschuss zum Deutschlandticket
Betriebliche Altersvorsorge über Canada Life
Top-Standorte: In Frankfurt direkt in der Innenstadt, in Berlin mitten im Prenzlauer Berg
Ein bezahlter Tag für Freiwilligenarbeit, an dem du eine gemeinnützige Organisation deiner Wahl unterstützen kannst
Voll ausgestattete Kühlschränke in unseren Büros mit allem, was das Herz begehrt: von gesunden Snacks bis hin zu Nervennahrung für den ganzen Tag
“Summer Houses” im Süden Europas und “Winter Houses” in den Alpen – bisher ging’s unter anderem nach Frankreich, Italien, Spanien und sogar noch weiter weg
Corporate Benefits Rabatte
Und damit das Lernen nie aufhört, bieten wir:
Ein persönliches Budget zum Lernen und Weiterbilden für alle
Ein Budget für Deutsch/Englisch-Unterricht
Vorträge mit internen und externen Referent*innen für das ganze Unternehmen
Zugang zu Lernplattformen wie Treehouse
Nützliche Links:
Mehr Details und zusätzliche Benefits findest du unter iwoca Benefits & Richtlinien
Hier findest du unser iwoca Willkommenspaket für Interviews
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.
The role
To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions.
You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes.
You will support other analysts on larger and more complex decisions, which is a key part of our workflow.
Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.
The requirements
Essential:
Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
We look for people who are smart, humble, motivated and who are always looking to improve.
Knowledge of foundational finance and accounting principles, whether acquired academically or through an internship
Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application
The ability to interpret & analyse financial statements
A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment
Excellent communication skills in business English and German
An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency
Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.
The salary
We expect to pay from £32,000 —£45,000 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 development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nWe’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.\n\n\n\nThe role\n\n - To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions.\n\n - You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes.\n\n - You will support other analysts on larger and more complex decisions, which is a key part of our workflow.\n\n - Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.\n\n\n\nThe requirements\n\nEssential:\n\n - Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.\n\n - We look for people who are smart, humble, motivated and who are always looking to improve.\n\n - Knowledge of foundational finance and accounting principles, whether acquired academically or through an internship\n\n - Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application\n\n - The ability to interpret & analyse financial statements\n\n - A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment\n\n - Excellent communication skills in business English and German\n\n - An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency\n\n\n\nDon’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.\n\n\n\nThe salary\n\nWe expect to pay from £32,000 —£45,000 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.\n\n\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"ab9e02ee-ec5f-456c-b0c2-f84d7d5acb9c","title":"UK Communications Executive","department":"Marketing, PR and Communications ","team":"Marketing, PR and Communications ","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-26T09:51:51.640+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/ab9e02ee-ec5f-456c-b0c2-f84d7d5acb9c","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/ab9e02ee-ec5f-456c-b0c2-f84d7d5acb9c/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
This is an opportunity to build your career in communications at a fast-growing fintech that's reshaping SME finance. You'll be part of iwoca's external communications team, helping drive coverage across our expanding product portfolio, working on data-led campaigns and supporting our work with government and policymakers.
Our comms function works across the business to position iwoca as a leading voice in SME finance. You'll collaborate closely with Product, Commercial, and Executive teams to translate business priorities into compelling narratives that drive both brand awareness and customer acquisition.
The role
We're looking for a Communications Executive with up to two years' experience to join our UK comms team. Working alongside the team, you'll help publish our major data-driven campaigns, own the communications for a couple of our newest products, and support our public affairs and policy work. You'll also help with the BAU media activities that keep iwoca front-of-mind with key journalists and stakeholders.
Examples of the type of work you'll be doing:
1. Support data-driven PR campaigns
Working with the team, you'll run several established data-driven campaigns:
Top 25 UK Cities for SME Jobs: Our annual ranking combines ONS employment data, business figures, and economic indicators. You can refine the methodology if needed, analyse the latest data, and craft narratives for regional and national media.
SME survey research: Twice a year you'll help commission original survey research, working with established research partners to design questionnaires capturing timely SME sentiment. You'll help ensure we generate \"business news\" coverage that responds to real economic issues.
You'll be comfortable working with raw datasets - not just presenting finished analysis. Spotting surprising findings, identifying regional variations, understanding which angles interest journalists versus policymakers.
2. Start shouting about our new products
You'll eventually own the communications for a couple of iwoca's newest products, working directly with Venture Leads to drive awareness and customer acquisition. Here are a few we've just launched that you could be working on:
Credit Compass: Our credit-building tool helping SMEs improve their scores. You'll identify customer success stories, translate credit score trends into compelling narratives, and position this as iwoca's answer to the credit access gap.
SME Insurance: Help launch this proposition to market - identifying angles around why SMEs need this product and announce new strategic partners as and when we secure them.
iwoca Credit Card: You'll be involved from the ground up - understanding competitive positioning, identifying what's newsworthy in a crowded market, building a launch campaign that breaks through.
iwocaPay (launched in 2020): Our instant payment solution - you'll help scale awareness as this product continues to grow, finding ongoing news hooks beyond what we've already done in recent years.
For each product, you'll get under the hood with the Venture Leads - understanding commercial objectives, customer pain points, competitive landscape - then translating that into comms plans that drive both coverage and business outcomes. You'll own two products, with the split decided once you're in the job.
3. Support our public affairs and policy work
iwoca works with government and policymakers to make the case for better access to finance for small businesses. You'll support this work, engaging with relevant government departments, industry bodies and ministers where relevant. This could include:
Tracking policy and regulatory developments that affect SMEs and SME lending.
Helping draft consultation responses, policy briefings and position papers.
Using our lending and survey data to build the evidence behind our policy positions.
Preparing briefing materials for meetings with officials, industry bodies and ministers.
The requirements
Essential:
Up to two years' experience in communications, PR, public affairs, policy, journalism or a related field. Internships and placements count, and we welcome recent graduates.
Excellent writing skills with the ability to craft data-driven stories, press releases, briefing materials, and media pitches that cut through.
Ability to work at pace across multiple projects simultaneously, with strong organisational skills.
You'll need to be confident managing and analysing data with either Excel or Google Sheets.
A genuine interest in the economy, policy and politics, and how they affect small businesses.
Bonus:
Some experience in, or a strong interest in, tech, fintech, financial services or B2B technology.
Experience in public affairs, policy or government relations, or an understanding of how policy is made.
Any exposure to product launches or translating complex propositions into accessible narratives.
Experience pitching to journalists or securing coverage in relevant press.
Comfortable working with senior stakeholders.
Commercial awareness and understanding of what drives media coverage in fintech and SME finance.
Familiarity with media monitoring tools (e.g., Signal AI, Cision) and ability to analyse coverage data to inform strategy.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nThis is an opportunity to build your career in communications at a fast-growing fintech that's reshaping SME finance. You'll be part of iwoca's external communications team, helping drive coverage across our expanding product portfolio, working on data-led campaigns and supporting our work with government and policymakers.\n\n\n\nOur comms function works across the business to position iwoca as a leading voice in SME finance. You'll collaborate closely with Product, Commercial, and Executive teams to translate business priorities into compelling narratives that drive both brand awareness and customer acquisition.\n\n\n\nThe role\n\nWe're looking for a Communications Executive with up to two years' experience to join our UK comms team. Working alongside the team, you'll help publish our major data-driven campaigns, own the communications for a couple of our newest products, and support our public affairs and policy work. You'll also help with the BAU media activities that keep iwoca front-of-mind with key journalists and stakeholders.\n\n\n\nExamples of the type of work you'll be doing:\n\n1. Support data-driven PR campaigns\n\nWorking with the team, you'll run several established data-driven campaigns:\n\n - Top 25 UK Cities for SME Jobs: Our annual ranking https://www.iwoca.co.uk/news/newcastle-named-top-british-city-to-work-for-an-sme combines ONS employment data, business figures, and economic indicators. You can refine the methodology if needed, analyse the latest data, and craft narratives for regional and national media.\n\n - SME survey research: Twice a year you'll help commission original survey research, working with established research partners to design questionnaires capturing timely SME sentiment. You'll help ensure we generate \"business news\" coverage that responds to real economic issues.\n\n - You'll be comfortable working with raw datasets - not just presenting finished analysis. Spotting surprising findings, identifying regional variations, understanding which angles interest journalists versus policymakers.\n\n2. Start shouting about our new products\n\nYou'll eventually own the communications for a couple of iwoca's newest products, working directly with Venture Leads to drive awareness and customer acquisition. Here are a few we've just launched that you could be working on:\n\n - Credit Compass: Our credit-building tool helping SMEs improve their scores. You'll identify customer success stories, translate credit score trends into compelling narratives, and position this as iwoca's answer to the credit access gap.\n\n - SME Insurance: Help launch this proposition to market - identifying angles around why SMEs need this product and announce new strategic partners as and when we secure them.\n\n - iwoca Credit Card: You'll be involved from the ground up - understanding competitive positioning, identifying what's newsworthy in a crowded market, building a launch campaign that breaks through.\n\n - iwocaPay (launched in 2020): Our instant payment solution - you'll help scale awareness as this product continues to grow, finding ongoing news hooks beyond what we've already done in recent years.\n\n - For each product, you'll get under the hood with the Venture Leads - understanding commercial objectives, customer pain points, competitive landscape - then translating that into comms plans that drive both coverage and business outcomes. You'll own two products, with the split decided once you're in the job.\n\n3. Support our public affairs and policy work\n\niwoca works with government and policymakers to make the case for better access to finance for small businesses. You'll support this work, engaging with relevant government departments, industry bodies and ministers where relevant. This could include:\n\n - Tracking policy and regulatory developments that affect SMEs and SME lending.\n\n - Helping draft consultation responses, policy briefings and position papers.\n\n - Using our lending and survey data to build the evidence behind our policy positions.\n\n - Preparing briefing materials for meetings with officials, industry bodies and ministers.\n\n\n\nThe requirements\n\nEssential:\n\n - Up to two years' experience in communications, PR, public affairs, policy, journalism or a related field. Internships and placements count, and we welcome recent graduates.\n\n - Excellent writing skills with the ability to craft data-driven stories, press releases, briefing materials, and media pitches that cut through.\n\n - Ability to work at pace across multiple projects simultaneously, with strong organisational skills.\n\n - You'll need to be confident managing and analysing data with either Excel or Google Sheets.\n\n - A genuine interest in the economy, policy and politics, and how they affect small businesses.\n\nBonus:\n\n - Some experience in, or a strong interest in, tech, fintech, financial services or B2B technology.\n\n - Experience in public affairs, policy or government relations, or an understanding of how policy is made.\n\n - Any exposure to product launches or translating complex propositions into accessible narratives.\n\n - Experience pitching to journalists or securing coverage in relevant press.\n\n - Comfortable working with senior stakeholders.\n\n - Commercial awareness and understanding of what drives media coverage in fintech and SME finance.\n\n - Familiarity with media monitoring tools (e.g., Signal AI, Cision) and ability to analyse coverage data to inform strategy.\n \n \n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"1223f870-a3c9-4154-a7ee-0895942b692c","title":"Junior Account Manager - German speaking","department":"Customer Operations","team":"Customer Operations","employmentType":"FullTime","location":"Berlin","secondaryLocations":[{"location":"Germany","address":{"postalAddress":{"addressRegion":"Brandenburg","addressCountry":"Germany","addressLocality":"berlin"}}}],"publishedAt":"2026-02-09T12:31:11.640+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"","addressRegion":"BE","addressCountry":"DE","addressLocality":"Berlin"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/1223f870-a3c9-4154-a7ee-0895942b692c","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/1223f870-a3c9-4154-a7ee-0895942b692c/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The role
As an Account Manager, you build your own portfolio of business owners and help them navigate their financial journey with iwoca. Your work directly contributes to the financial success of iwoca and the customer experience. From independent hair salons to established dental practices, you will ensure our customers feel supported, heard, and empowered to grow.
The requirements
Essential:
Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
Guide & Assist: Support new customers through their application journey, simplifying complex steps and finding the right financial solutions for their business goals.
Build Partnerships: Foster long-lasting, trust-based relationships with a portfolio of existing and new clients.
Champion the Customer: Our systems are always developing. Act as the internal \"Voice of the Customer,\" sharing insights with our product and tech teams to help us innovate and stay ahead of the competition.
Strategic Growth: Use your understanding of business drivers to help clients maximise their potential while keeping them informed about new opportunities and product developments.
Collaborate: Work within an international, cross-functional team to improve our processes and help us scale our mission.
The most important things about you:
We are looking for a driven, communicative, empathetic professional who thrives in a collaborative environment. You might be the right fit if:
You are Multilingual: You possess C1-level German communication skills (both written and spoken) and are comfortable collaborating in English within our diverse, international office.
You are a People Person: You genuinely enjoy connecting with others and are motivated by seeing your clients succeed.
You Thrive in Fast-Paced Environments: You have proven experience managing a high volume of calls without losing your cool. You can multitask effectively while maintaining a high standard of service and a positive tone.
You are a Problem-Solver: You enjoy thinking creatively and \"outside the box\" to find solutions for your clients and improvements for the team.
You are Organised & Proactive: You take pride in managing your work independently while remaining a reliable and supportive team player.
The salary
We expect to pay from € 36,000 — € 40,000 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.
We don't expect you to tick every box when it comes to experience or qualifications, and we'd still love to hear from you if your background is a little different. However, German language proficiency at a minimum C1 level (spoken and written) is essential for this role and isn't something we can be flexible on.
This is a German-speaking, customer-facing role. A minimum C1 level of German, both spoken and written, is essential.
You'll be communicating with German-speaking customers daily, so you'll need to be confident handling conversations, explaining information and answering questions fluently in German.
All interviews are conducted in German, and the next stage of our recruitment process will assess your spoken German.
The culture
At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset.
26 days of vacation a year plus a free day for your birthday.
One-month fully paid sabbatical after 4 years.
Mental health support with direct access to certified psychologists via our partner OpenUp.
iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
€30 contribution towards the Deutschlandticket.
Company Pension with Canada Life.
Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
Corporate Benefits discounts.
’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone, including a book budget.
Learning German budget.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Useful links:
See iwoca benefits & policies for detail and some additional benefits.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The Acquisition Strategy and Tech team is the integrated growth engine for iwoca in Germany. We bridge the gap between high-level commercial strategy and the technical systems that power our customer journey. By combining growth analytics, performance modeling, and full-stack engineering, we own the end-to-end acquisition funnel – from the very first touchpoint to a completed loan application. Our Core Focus:
Strategic Growth & Analytics: We serve as the central hub for our Direct Marketing and Sales channels. We translate complex data into actionable strategies, ensuring our outreach is both scalable and profitably managed.
Technical Infrastructure: We build and maintain the proprietary systems and models that drive our German operations. This includes optimizing the \"User Experience\" (UX) to ensure a frictionless onboarding process for small businesses.
Operational Excellence: We connect the dots between data-driven decision-making and real-world commercial impact. Our mission is to ensure every potential customer receives a clear, relevant, and rapid understanding of how iwoca can fund their business.
We are a fast-moving, cross-functional unit designed to turn strategic hypotheses into measurable results. Whether it’s refining a marketing model or shipping a new feature in the application journey, we ensure that iwoca’s expansion in the German market is backed by robust tech and a clear commercial North Star.
The role
This role sits at the intersection of commercial strategy, data, and technology. Reporting into the Head of Direct Acquisition, you will lead a high-performing, interdisciplinary team of three and own acquisition and activation outcomes for the German market. Your primary objective is to co-define the growth strategy and partner closely with engineering and data teams to build the systems, onboarding journeys, and experiments that bring that strategy to life.
The scope of this role is broad and we're not looking for someone with deep expertise in every domain the team covers – spanning strategy, analytics, product development, and data science – but rather someone intellectually curious, and skilled at asking the right questions.
You'll define hypotheses, lead cross-functional initiatives, and own the roadmap for how iwoca engages with German businesses. You will be accountable for measurable impact on acquisition and conversion, bringing ideas to life through rigorous commercial insight, strong customer empathy, and practical delivery. As a Lead, you will also be responsible for coaching your team and establishing the operating rhythm for this new unit.
Market and problem understanding
Deeply understand the German SME lending landscape, customer needs, and competitive context to sharpen our go-to-market strategy.
Translate market and customer insight into clearly defined product problems and prioritised commercial opportunities.
Inform targeting and segmentation strategies to help Marketing and Sales reach the right customers.
Product build and optimisation
Own the roadmap for acquisition and onboarding, working with engineers and data scientists to develop tools such as lead scoring systems, eligibility checkers, and onboarding journeys.
Work with marketing and sales to evolve website content, sign-up flows, and decisioning logic to increase conversion.
Influence future team capability by helping define priorities, roles, and processes as we scale.
Experimentation and insight
Design, run, and interpret A/B tests across messaging, targeting, onboarding tools, and product flows.
Identify opportunities using first-principle reasoning supported by data, customer research, and funnel analysis.
Cross-functional collaboration
Manage, coach, and develop a team of at the beginning two commercial strategy analysts and a data scientist focused on acquisition strategy and operational excellence.
Lead cross-functional initiatives, aligning engineering, data, marketing, and commercial stakeholders around clear goals, hypotheses, and success metrics.
Translate high-level business goals into testable hypotheses and actionable briefs for our technical teams.
Help establish the operating rhythm, rituals, and roadmap processes for this new team.
The requirements
Essential:
Strong commercial mindset with proven experience driving go-to-market strategy and measurable acquisition growth.
Experience in growth strategy, revenue operations, or a highly analytical commercial role with a track record of driving tech-enabled or product-led growth.
Proven people management or team leadership experience, with the ability to build culture and establish operating rhythms in a newly formed team.
Fluency in German and strong written communication skills tailored to customer-facing environments.
Strong analytical capability and experience with experimentation frameworks and A/B testing tools.
Experience working with (or a strong desire to learn about) technical models such as lead scoring, predictive targeting, or qualification logic.
Ability to work from first principles and thrive in ambiguity with curiosity and autonomy.
Bonus:
Experience in fintech, lending, B2B SaaS, or regulated products.
Experience working closely with engineering, product, or data science teams to ship features or models.
Knowledge of the German SME ecosystem or B2B financial products.
The culture
At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset.
26 days of vacation a year plus a free day for your birthday.
One-month fully paid sabbatical after 4 years.
Mental health support with direct access to certified psychologists via our partner OpenUp.
iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
€30 contribution towards the Deutschlandticket.
Company Pension with Canada Life.
Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
Corporate Benefits discounts.
’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone, including a book budget.
Learning German budget.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Useful links:
See iwoca benefits & policies for detail and some additional benefits.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for a FP&A Analyst
You’ll translate complex financial data into useful management information and produce annual budgets aiding long-term planning and growth.
The team
The FP&A team is responsible for driving strategic decision making through forecasting, analysis and reporting on performance. You'll work closely with the FP&A Manager and will also work with the wider finance team, as well as other functions across iwoca including capital markets and strategy. It's a small team, so you'll have real ownership from early on and direct exposure to senior stakeholders and the Board.
The role
We're building a fast-paced FP&A function, powered by better data and by making the most of the tools available to us. You'll take real ownership of that: writing the queries, building the datasets and pipelines, and helping shape our forecasting platform, while learning the financial planning side so you understand what the numbers mean, not just where they come from.
You won't need a finance qualification or years of FP&A experience to apply. This is a genuine route for a strong analyst who wants to move closer to the commercial heart of the business, and equally suited to someone who already combines technical and commercial finance skills.
Operational FP&A
Preparation of the monthly operating model, including reconciliations to accounting software and posting of journals required to complete the model;
Contribute to and improve forecasting methodology;
Assisting in preparation of monthly Board documentation and interim and year-end Budget documents;
Liaising with departments across the business to:
Understand business developments and how they impact inputs to the operating model.
Identify areas of inconsistencies between operating model forecasts and those used by the wider business to improve the accuracy of reporting.
Understand reporting requirements for each department to increase quality of communication across the business.;
Reporting to external stakeholders
Data engineering
Writing SQL to pull, clean and reconcile financial and operational data from across the business, and building the datasets and pipelines that feed our operating model and reporting;
Finding and fixing weak points in how data reaches us, and moving reporting off manual processes and onto something that runs itself;
Contributing to the build out of iwoca's forecasting platform, designing features and using AI tools to build, test and speed up your work;
Integrating with third-party tools e.g. Looker, Snowflake and NetSuite.
The requirements
Proficient user of Excel and SQL;
Experience building something end-to-end — a pipeline, a dataset or an automated report;
Comfortable working with data from multiple sources, and confident tracing it back to source;
Willingness and curiosity to leverage AI tools, with the judgement to know when the output is wrong;
Some exposure to management accounts, forecasting or budgeting, or a genuine appetite to learn it properly;
A growth mindset, happy to own problems and build solutions rather than wait for direction;
Experience with Python, Snowflake, dbt, BigQuery, Looker, Power BI or Tableau would be desirable;
A finance qualification such as CIMA, ACA or ACCA, or a background in commercial FP&A, would be desirable but isn't required;
Experience at a start-up or scale-up, where you had to build things yourself, would be desirable
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nWe’re looking for a FP&A Analyst\n\nYou’ll translate complex financial data into useful management information and produce annual budgets aiding long-term planning and growth.\n\nThe team\n\nThe FP&A team is responsible for driving strategic decision making through forecasting, analysis and reporting on performance. You'll work closely with the FP&A Manager and will also work with the wider finance team, as well as other functions across iwoca including capital markets and strategy. It's a small team, so you'll have real ownership from early on and direct exposure to senior stakeholders and the Board.\n\n\n\nThe role\n\nWe're building a fast-paced FP&A function, powered by better data and by making the most of the tools available to us. You'll take real ownership of that: writing the queries, building the datasets and pipelines, and helping shape our forecasting platform, while learning the financial planning side so you understand what the numbers mean, not just where they come from.\n\nYou won't need a finance qualification or years of FP&A experience to apply. This is a genuine route for a strong analyst who wants to move closer to the commercial heart of the business, and equally suited to someone who already combines technical and commercial finance skills.\n\n\n\nOperational FP&A\n\n - Preparation of the monthly operating model, including reconciliations to accounting software and posting of journals required to complete the model;\n\n - Contribute to and improve forecasting methodology;\n\n - Assisting in preparation of monthly Board documentation and interim and year-end Budget documents;\n\n - Liaising with departments across the business to:\n \n - Understand business developments and how they impact inputs to the operating model.\n \n - Identify areas of inconsistencies between operating model forecasts and those used by the wider business to improve the accuracy of reporting.\n \n - Understand reporting requirements for each department to increase quality of communication across the business.;\n\n - Reporting to external stakeholders\n\nData engineering\n\n - Writing SQL to pull, clean and reconcile financial and operational data from across the business, and building the datasets and pipelines that feed our operating model and reporting;\n\n - Finding and fixing weak points in how data reaches us, and moving reporting off manual processes and onto something that runs itself;\n\n - Contributing to the build out of iwoca's forecasting platform, designing features and using AI tools to build, test and speed up your work;\n\n - Integrating with third-party tools e.g. Looker, Snowflake and NetSuite.\n\n\nThe requirements\n\n - Proficient user of Excel and SQL;\n\n - Experience building something end-to-end — a pipeline, a dataset or an automated report;\n\n - Comfortable working with data from multiple sources, and confident tracing it back to source;\n\n - Willingness and curiosity to leverage AI tools, with the judgement to know when the output is wrong;\n\n - Some exposure to management accounts, forecasting or budgeting, or a genuine appetite to learn it properly;\n\n - A growth mindset, happy to own problems and build solutions rather than wait for direction;\n\n - Experience with Python, Snowflake, dbt, BigQuery, Looker, Power BI or Tableau would be desirable;\n\n - A finance qualification such as CIMA, ACA or ACCA, or a background in commercial FP&A, would be desirable but isn't required;\n\n - Experience at a start-up or scale-up, where you had to build things yourself, would be desirable\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"fc7bbb44-ebb3-4b3b-a1bf-29a12c9193f6","title":"Strategy Lead - Acquisition (German Speaking)","department":"Strategy and Product","team":"Strategy and Product","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-04-27T10:05:28.098+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/fc7bbb44-ebb3-4b3b-a1bf-29a12c9193f6","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/fc7bbb44-ebb3-4b3b-a1bf-29a12c9193f6/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
The Acquisition Strategy and Tech team is the integrated growth engine for iwoca in Germany. We bridge the gap between high-level commercial strategy and the technical systems that power our customer journey. By combining growth analytics, performance modeling, and full-stack engineering, we own the end-to-end acquisition funnel – from the very first touchpoint to a completed loan application. Our Core Focus:
Strategic Growth & Analytics: We serve as the central hub for our Direct Marketing and Sales channels. We translate complex data into actionable strategies, ensuring our outreach is both scalable and profitably managed.
Technical Infrastructure: We build and maintain the proprietary systems and models that drive our German operations. This includes optimizing the \"User Experience\" (UX) to ensure a frictionless onboarding process for small businesses.
Operational Excellence: We connect the dots between data-driven decision-making and real-world commercial impact. Our mission is to ensure every potential customer receives a clear, relevant, and rapid understanding of how iwoca can fund their business.
We are a fast-moving, cross-functional unit designed to turn strategic hypotheses into measurable results. Whether it’s refining a marketing model or shipping a new feature in the application journey, we ensure that iwoca’s expansion in the German market is backed by robust tech and a clear commercial North Star.
The role
This role sits at the intersection of commercial strategy, data, and technology. Reporting into the Head of Direct Acquisition, you will lead a high-performing, interdisciplinary team of three and own acquisition and activation outcomes for the German market. Your primary objective is to co-define the growth strategy and partner closely with engineering and data teams to build the systems, onboarding journeys, and experiments that bring that strategy to life.
The scope of this role is broad and we're not looking for someone with deep expertise in every domain the team covers – spanning strategy, analytics, product development, and data science – but rather someone intellectually curious, and skilled at asking the right questions.
You'll define hypotheses, lead cross-functional initiatives, and own the roadmap for how iwoca engages with German businesses. You will be accountable for measurable impact on acquisition and conversion, bringing ideas to life through rigorous commercial insight, strong customer empathy, and practical delivery. As a Lead, you will also be responsible for coaching your team and establishing the operating rhythm for this new unit.
Market and problem understanding
Deeply understand the German SME lending landscape, customer needs, and competitive context to sharpen our go-to-market strategy.
Translate market and customer insight into clearly defined product problems and prioritised commercial opportunities.
Inform targeting and segmentation strategies to help Marketing and Sales reach the right customers.
Product build and optimisation
Own the roadmap for acquisition and onboarding, working with engineers and data scientists to develop tools such as lead scoring systems, eligibility checkers, and onboarding journeys.
Work with marketing and sales to evolve website content, sign-up flows, and decisioning logic to increase conversion.
Influence future team capability by helping define priorities, roles, and processes as we scale.
Experimentation and insight
Design, run, and interpret A/B tests across messaging, targeting, onboarding tools, and product flows.
Identify opportunities using first-principle reasoning supported by data, customer research, and funnel analysis.
Cross-functional collaboration
Manage, coach, and develop a team of at the beginning two commercial strategy analysts and a data scientist focused on acquisition strategy and operational excellence.
Lead cross-functional initiatives, aligning engineering, data, marketing, and commercial stakeholders around clear goals, hypotheses, and success metrics.
Translate high-level business goals into testable hypotheses and actionable briefs for our technical teams.
Help establish the operating rhythm, rituals, and roadmap processes for this new team.
The requirements
Essential:
Strong commercial mindset with proven experience driving go-to-market strategy and measurable acquisition growth.
Experience in growth strategy, revenue operations, or a highly analytical commercial role with a track record of driving tech-enabled or product-led growth.
Proven people management or team leadership experience, with the ability to build culture and establish operating rhythms in a newly formed team.
Fluency in German and strong written communication skills tailored to customer-facing environments.
Strong analytical capability and experience with experimentation frameworks and A/B testing tools.
Experience working with (or a strong desire to learn about) technical models such as lead scoring, predictive targeting, or qualification logic.
Ability to work from first principles and thrive in ambiguity with curiosity and autonomy.
Bonus:
Experience in fintech, lending, B2B SaaS, or regulated products.
Experience working closely with engineering, product, or data science teams to ship features or models.
Knowledge of the German SME ecosystem or B2B financial products.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nThe Acquisition Strategy and Tech team is the integrated growth engine for iwoca in Germany. We bridge the gap between high-level commercial strategy and the technical systems that power our customer journey. By combining growth analytics, performance modeling, and full-stack engineering, we own the end-to-end acquisition funnel – from the very first touchpoint to a completed loan application. Our Core Focus:\n\nStrategic Growth & Analytics: We serve as the central hub for our Direct Marketing and Sales channels. We translate complex data into actionable strategies, ensuring our outreach is both scalable and profitably managed.\n\nTechnical Infrastructure: We build and maintain the proprietary systems and models that drive our German operations. This includes optimizing the \"User Experience\" (UX) to ensure a frictionless onboarding process for small businesses.\n\nOperational Excellence: We connect the dots between data-driven decision-making and real-world commercial impact. Our mission is to ensure every potential customer receives a clear, relevant, and rapid understanding of how iwoca can fund their business.\n\nWe are a fast-moving, cross-functional unit designed to turn strategic hypotheses into measurable results. Whether it’s refining a marketing model or shipping a new feature in the application journey, we ensure that iwoca’s expansion in the German market is backed by robust tech and a clear commercial North Star.\n\n\n\nThe role\n\nThis role sits at the intersection of commercial strategy, data, and technology. Reporting into the Head of Direct Acquisition, you will lead a high-performing, interdisciplinary team of three and own acquisition and activation outcomes for the German market. Your primary objective is to co-define the growth strategy and partner closely with engineering and data teams to build the systems, onboarding journeys, and experiments that bring that strategy to life.\n\nThe scope of this role is broad and we're not looking for someone with deep expertise in every domain the team covers – spanning strategy, analytics, product development, and data science – but rather someone intellectually curious, and skilled at asking the right questions.\n\nYou'll define hypotheses, lead cross-functional initiatives, and own the roadmap for how iwoca engages with German businesses. You will be accountable for measurable impact on acquisition and conversion, bringing ideas to life through rigorous commercial insight, strong customer empathy, and practical delivery. As a Lead, you will also be responsible for coaching your team and establishing the operating rhythm for this new unit.\n\n\n\nMarket and problem understanding\n\n - Deeply understand the German SME lending landscape, customer needs, and competitive context to sharpen our go-to-market strategy.\n\n - Translate market and customer insight into clearly defined product problems and prioritised commercial opportunities.\n\n - Inform targeting and segmentation strategies to help Marketing and Sales reach the right customers.\n\nProduct build and optimisation\n\n - Own the roadmap for acquisition and onboarding, working with engineers and data scientists to develop tools such as lead scoring systems, eligibility checkers, and onboarding journeys.\n\n - Work with marketing and sales to evolve website content, sign-up flows, and decisioning logic to increase conversion.\n\n - Influence future team capability by helping define priorities, roles, and processes as we scale.\n\nExperimentation and insight\n\n - Design, run, and interpret A/B tests across messaging, targeting, onboarding tools, and product flows.\n\n - Identify opportunities using first-principle reasoning supported by data, customer research, and funnel analysis.\n\nCross-functional collaboration\n\n - Manage, coach, and develop a team of at the beginning two commercial strategy analysts and a data scientist focused on acquisition strategy and operational excellence.\n\n - Lead cross-functional initiatives, aligning engineering, data, marketing, and commercial stakeholders around clear goals, hypotheses, and success metrics.\n\n - Translate high-level business goals into testable hypotheses and actionable briefs for our technical teams.\n\n - Help establish the operating rhythm, rituals, and roadmap processes for this new team.\n\n\n\nThe requirements\n\nEssential:\n\n - Strong commercial mindset with proven experience driving go-to-market strategy and measurable acquisition growth.\n\n - Experience in growth strategy, revenue operations, or a highly analytical commercial role with a track record of driving tech-enabled or product-led growth.\n\n - Proven people management or team leadership experience, with the ability to build culture and establish operating rhythms in a newly formed team.\n\n - Fluency in German and strong written communication skills tailored to customer-facing environments.\n\n - Strong analytical capability and experience with experimentation frameworks and A/B testing tools.\n\n - Experience working with (or a strong desire to learn about) technical models such as lead scoring, predictive targeting, or qualification logic.\n\n - Ability to work from first principles and thrive in ambiguity with curiosity and autonomy.\n\nBonus:\n\n - Experience in fintech, lending, B2B SaaS, or regulated products.\n\n - Experience working closely with engineering, product, or data science teams to ship features or models.\n\n - Knowledge of the German SME ecosystem or B2B financial products.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"15fe04de-fe59-4827-975e-719c688082b0","title":"Full-Stack Engineer - Operations Engineering Team","department":"Software Engineering and Tech","team":"Software Engineering and Tech","employmentType":"FullTime","location":"London","secondaryLocations":[{"location":"Berlin","address":{"postalAddress":{"postalCode":"","addressRegion":"BE","addressCountry":"DE","addressLocality":"Berlin"}}}],"publishedAt":"2026-08-22T14:22:11.468+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/15fe04de-fe59-4827-975e-719c688082b0","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/15fe04de-fe59-4827-975e-719c688082b0/application","descriptionHtml":"Hybrid or Remote working in the UK or Germany.
We’re looking for a Full-Stack Engineer to build the systems that power iwoca’s German business.
You’ll join the Operations Engineering team, a cross-functional group that builds the proprietary tools (like our CRM) that our German operations staff use every day. You’ll own high-impact projects from the ground up, using your technical experience and curious mindset to improve how we serve small businesses while also helping to level up the wider engineering team.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
The Operations Engineering team is a cross-functional group consisting of three full-stack engineers and one product manager. The team works closely with the Operations, Operations Strategy and Analytics teams to deliver impactful changes across the wider Operations function. The team builds and maintains the internal systems – including tools for underwriting, notifications, and account management – that power iwoca’s German market. They support more than 70 colleagues across sales, credit, and collections who rely on these tools every day.
As the German business grows, the Operations Engineering team is moving beyond small improvements and into reworking how work is done. By reducing manual steps and improving how information flows through the company, the team directly influences how quickly other teams can act, how reliably iwoca can support its customers, and where we can most effectively spend human effort.
The role
You’ll work on the systems that internal teams rely on to serve customers. You’ll take an initial problem, engage with stakeholders, and develop solutions through to delivery and see the outcome in daily use. You’ll design and build full-stack services that support core operational workflows, including customer communication, underwriting, and collections.
Simplify workflows: You’ll decide when and what to automate, translating operational needs into reliable code that reduces manual effort.
Evolve the architecture: You’ll identify ways to modernise our systems, managing trade-offs to keep them dependable as they scale.
Advocate for quality: You’ll be a key part of the team, using code reviews and design sessions to advocate for better engineering practices and staff user experiences.
Expand your scope: You’ll join a growing team that supports individual ownership, offering you opportunities to lead projects end-to-end, developing your commercial judgement.
The requirements
Essential:
Proven track record designing and building backend systems using Python, with the ability to work across front-end codebases, particularly React or TypeScript, to deliver projects end to end.
You use AI (like Cursor, Claude Code or similar) in your daily flow—whether for work or for fun. You use it to blast through boilerplate and research, so you can focus on the hard parts: complex architecture, rigour, and high-stakes decision-making.
Experience working with relational databases, ideally PostgreSQL or similar, with an understanding of performance and maintainability considerations.
Able to use lateral thinking to anticipate technical challenges and to improve existing systems that support complex workflows.
A track record of taking work from an initial problem through to delivery, including shaping solutions, making trade-offs, and iterating based on how systems are used.
Strong communication skills to be able to explain complex technical topics in simple terms and to articulate and influence decision making within the team.
Bonus:
Knowing how to scale systems: Familiarity with working on internal tools or platforms used by large operational teams.
Framework experience across Python and TypeScript such as Django, FastAPI and React.
Modern deployment experience: Working with CI/CD pipelines or deployment workflows.
A data-driven mindset: Using data or metrics to assess whether changes have had the intended effect.
The salary
We expect to pay from £75,000–£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 development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"FULL-STACK ENGINEER - OPERATIONS ENGINEERING TEAM\n\nHybrid or Remote working in the UK or Germany.\n\n\n\nWe’re looking for a Full-Stack Engineer to build the systems that power iwoca’s German business.\n\nYou’ll join the Operations Engineering team, a cross-functional group that builds the proprietary tools (like our CRM) that our German operations staff use every day. You’ll own high-impact projects from the ground up, using your technical experience and curious mindset to improve how we serve small businesses while also helping to level up the wider engineering team.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nThe Operations Engineering team is a cross-functional group consisting of three full-stack engineers and one product manager. The team works closely with the Operations, Operations Strategy and Analytics teams to deliver impactful changes across the wider Operations function. The team builds and maintains the internal systems – including tools for underwriting, notifications, and account management – that power iwoca’s German market. They support more than 70 colleagues across sales, credit, and collections who rely on these tools every day.\n\nAs the German business grows, the Operations Engineering team is moving beyond small improvements and into reworking how work is done. By reducing manual steps and improving how information flows through the company, the team directly influences how quickly other teams can act, how reliably iwoca can support its customers, and where we can most effectively spend human effort.\n\n\n\nThe role\n\nYou’ll work on the systems that internal teams rely on to serve customers. You’ll take an initial problem, engage with stakeholders, and develop solutions through to delivery and see the outcome in daily use. You’ll design and build full-stack services that support core operational workflows, including customer communication, underwriting, and collections.\n\n - Simplify workflows: You’ll decide when and what to automate, translating operational needs into reliable code that reduces manual effort.\n\n - Evolve the architecture: You’ll identify ways to modernise our systems, managing trade-offs to keep them dependable as they scale.\n\n - Advocate for quality: You’ll be a key part of the team, using code reviews and design sessions to advocate for better engineering practices and staff user experiences.\n\n - Expand your scope: You’ll join a growing team that supports individual ownership, offering you opportunities to lead projects end-to-end, developing your commercial judgement.\n\n\n\nThe requirements\n\nEssential:\n\n - Proven track record designing and building backend systems using Python, with the ability to work across front-end codebases, particularly React or TypeScript, to deliver projects end to end.\n\n - You use AI (like Cursor, Claude Code or similar) in your daily flow—whether for work or for fun. You use it to blast through boilerplate and research, so you can focus on the hard parts: complex architecture, rigour, and high-stakes decision-making.\n\n - Experience working with relational databases, ideally PostgreSQL or similar, with an understanding of performance and maintainability considerations.\n\n - Able to use lateral thinking to anticipate technical challenges and to improve existing systems that support complex workflows.\n\n - A track record of taking work from an initial problem through to delivery, including shaping solutions, making trade-offs, and iterating based on how systems are used.\n\n - Strong communication skills to be able to explain complex technical topics in simple terms and to articulate and influence decision making within the team.\n\nBonus:\n\n - Knowing how to scale systems: Familiarity with working on internal tools or platforms used by large operational teams.\n\n - Framework experience across Python and TypeScript such as Django, FastAPI and React.\n\n - Modern deployment experience: Working with CI/CD pipelines or deployment workflows.\n\n - A data-driven mindset: Using data or metrics to assess whether changes have had the intended effect.\n\n\n\nThe salary\n\nWe expect to pay from £75,000–£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.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"ec77ffaf-fd12-45f8-8d80-d83ac69a1eb2","title":"Collections Agent (m/w/d)","department":"Customer Operations","team":"Customer Operations","employmentType":"FullTime","location":"Berlin","secondaryLocations":[{"location":"Germany","address":{"postalAddress":{"addressRegion":"Brandenburg","addressCountry":"Germany","addressLocality":"berlin"}}}],"publishedAt":"2026-06-19T12:33:17.816+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"postalCode":"","addressRegion":"BE","addressCountry":"DE","addressLocality":"Berlin"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/ec77ffaf-fd12-45f8-8d80-d83ac69a1eb2","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/ec77ffaf-fd12-45f8-8d80-d83ac69a1eb2/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for a Junior Collections Agent (m/f/d)
We are looking for a diligent a Collections Agent to help us maximise collections returns by understanding the customer’s circumstances and ensuring that all actions achieve the best outcome for iwoca and our clients.
The role
We are seeking an experienced Collections Specialist who will be required to work within a fast-paced, customer focused environment, providing great customer service while maintaining the team’s excellent track record.
Case handling a high volume portfolio of customer accounts in arrears through to completion with varying and unique circumstances
Handling inbound and initiating outbound telephone calls, letters and emails with the greatest level of care, accuracy and customer service skills
Building relationships with customers through regular contact to validate, understand and resolve breaches of agreements with customers
Negotiate, implement and monitor feasible repayment solutions that take into account the customer's circumstances while balancing the best interests of the business
Work with a wide range of teams within the company to understand, strategise and implement the most appropriate course of action for each account
Working closely with Collections Management and the Head of Collections to review and develop recovery strategies
Instructing, liaising and monitoring third parties such as debt collection agencies and Paralegals to ensure the best outcome is achieved
Ensuring compliance with all appropriate legislation regulatory body guidelines
Adhering to our company policies and procedures
Upholding iwoca’s company reputation at all times
Updating databases and systems in order to keep an accurate record of activities, observations and outcomes within the recovery process
The requirements
Essential:
Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
A level of German, C1 that allows you to feel comfortable talking to clients, negotiate arrangements and handle tense situations
We look for people who are smart, humble, motivated and who are always looking to improve.
Ideally you'll have:
Nice to have 1 year debt recovery experience, ideally in the commercial/business sector
Empathy, forbearance and professionalism
Strong communication skills, accuracy and confidence
The ability to deal with a variety of challenges, innovate and think on your feet
Business acumen, entrepreneurial spirit with real enthusiasm for helping SMEs. Experience within the finance industry is advantageous.
The salary
We expect to pay from 34.000 € — 46.000 € 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset.
26 days of vacation a year plus a free day for your birthday.
One-month fully paid sabbatical after 4 years.
Mental health support with direct access to certified psychologists via our partner OpenUp.
iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
€30 contribution towards the Deutschlandticket.
Company Pension with Canada Life.
Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
Corporate Benefits discounts.
’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone, including a book budget.
Learning German budget.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Useful links:
See iwoca benefits & policies for detail and some additional benefits.
Backend Engineer - Partner Flow Team
Hybrid in London / Remote within the UK
We’re looking for a Backend Engineer to join the Partner Flow team.
This role is a chance to shape how thousands of small businesses find their way to iwoca. You'll join the team that owns iwoca's partner integrations — the Lending API and embedded flows that let third-party platforms, from major banks to fintechs, offer iwoca loans inside their own customer journeys. You'll own projects, collaborate with stakeholders, and design robust systems to deliver important functionality and measurably improve the experience for our partners and customers.
The company
Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
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 Flow 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 - streamlining the journey, running RCTs (randomised control trials) and building models alongside our embedded data scientist to find what works.
The team is made up of three engineers, a data scientist plus a team lead, working closely with an internal team of commercial stakeholders. This role is one of two new engineering hires as we grow the team to meet our ambition.
Partner Flow 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.
Run experiments (RCTs) and optimise the funnel to measurably improve how partner-referred customers convert.
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.
AI:
We're pushing hard on AI-assisted development. Engineers here write clear technical specs, let skills and agents implement boiler-plate, and hold a high bar on code review — the person, not the model, is accountable for what merges. We expect AI output to be validated for correctness, performance and security like any other change.
We give the team unlimited tokens across all models and expect people to experiment.
The requirements
Essential:
Experience designing and building scalable back-end systems, ideally in Python.
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.
A genuine team player: you support your teammates, share knowledge, and care about the team's success as much as your own.
AI fluency. Experience using AI coding tools to accelerate real delivery, and a genuine interest in getting better at it - with a pragmatic sense of where it adds value and where it doesn't.
Bonus:
Front-end development experience, particularly with React and Typescript.
Experience with DevOps practices, including containerisation and CI/CD pipelines.
Experience with experimentation (e.g. A/B tests or RCTs) or using data to drive product decisions.
Working knowledge of modern data tooling - ideally Snowflake and dbt - used to build analytical or reporting pipelines.
The salary
We expect to pay from £60,000—£85,000 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 development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"Backend Engineer - Partner Flow Team\n\nHybrid in London / Remote within the UK\n\n\n\nWe’re looking for a Backend Engineer to join the Partner Flow team.\n\nThis role is a chance to shape how thousands of small businesses find their way to iwoca. You'll join the team that owns iwoca's partner integrations — the Lending API and embedded flows that let third-party platforms, from major banks to fintechs, offer iwoca loans inside their own customer journeys. You'll own projects, collaborate with stakeholders, and design robust systems to deliver important functionality and measurably improve the experience for our partners and customers.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\niwoca 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.\n\nThe Partner Flow 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:\n\n - Continually improving our Lending API and other developer tools, so that partners can integrate with iwoca quickly and easily.\n\n - Adding new functionality to facilitate deeper integrations and ensure iwoca is the best embedded finance provider on the market.\n\n - Improving the conversion rate of customers who come to us through partners - streamlining the journey, running RCTs (randomised control trials) and building models alongside our embedded data scientist to find what works.\n\nThe team is made up of three engineers, a data scientist plus a team lead, working closely with an internal team of commercial stakeholders. This role is one of two new engineering hires as we grow the team to meet our ambition.\n\nPartner Flow 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.\n\n\n\nThe role\n\nYou’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.\n\nAutonomy:\n\n - Own features and projects from scoping and design through to production.\n\n - 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.\n\n - Design and maintain robust, flexible, and maintainable systems to ensure scalability and fast-paced development.\n\nImpact:\n\n - Deliver new functionality critical to onboarding important new partners.\n\n - Run experiments (RCTs) and optimise the funnel to measurably improve how partner-referred customers convert.\n\n - Leave code, docs, and processes in better shape than you found them.\n\nPurpose and product thinking:\n\n - Work on systems that genuinely help businesses get the funding they need.\n\n - Collaborate with our partners and internal stakeholders to design effective solutions.\n\n - Use data to make decisions, uncover insights, and refine strategies.\n\nAI:\n\n - We're pushing hard on AI-assisted development. Engineers here write clear technical specs, let skills and agents implement boiler-plate, and hold a high bar on code review — the person, not the model, is accountable for what merges. We expect AI output to be validated for correctness, performance and security like any other change.\n\n - We give the team unlimited tokens across all models and expect people to experiment.\n\n\n\nThe requirements\n\nEssential:\n\n - Experience designing and building scalable back-end systems, ideally in Python.\n\n - Experience working with relational databases, ideally PostgreSQL, with an understanding of performance and maintainability considerations.\n\n - Experience building and maintaining APIs that are easy to use, reliable, and well-documented.\n\n - Experience managing projects end to end, from understanding business problems to designing and delivering technical solutions.\n\n - Pragmatism in balancing delivery speed with long-term system health.\n\n - Clear, concise written and verbal communication, focusing on outcomes and impact.\n\n - A genuine team player: you support your teammates, share knowledge, and care about the team's success as much as your own.\n\n - AI fluency. Experience using AI coding tools to accelerate real delivery, and a genuine interest in getting better at it - with a pragmatic sense of where it adds value and where it doesn't.\n\nBonus:\n\n - Front-end development experience, particularly with React and Typescript.\n\n - Experience with DevOps practices, including containerisation and CI/CD pipelines.\n\n - Experience with experimentation (e.g. A/B tests or RCTs) or using data to drive product decisions.\n\n - Working knowledge of modern data tooling - ideally Snowflake and dbt - used to build analytical or reporting pipelines.\n\n\n\nThe salary\n\nWe expect to pay from £60,000—£85,000 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.\n\n\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"3e1223d0-de38-465f-88a6-4880ee4f13e2","title":"Growth Marketing Performance Manager (Germany) - German speaking","department":"Marketing, PR and Communications ","team":"Marketing, PR and Communications ","employmentType":"FullTime","location":"Berlin","secondaryLocations":[],"publishedAt":"2026-06-22T15:47:52.871+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"postalCode":"","addressRegion":"BE","addressCountry":"DE","addressLocality":"Berlin"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/3e1223d0-de38-465f-88a6-4880ee4f13e2","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/3e1223d0-de38-465f-88a6-4880ee4f13e2/application","descriptionHtml":"Growth Marketing Performance Manager (Germany) - German speaking
Berlin
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
Our performance marketing team is three people located in London and Berlin building an in-house growth engine for the German market. You'll report to the Team Lead Performance Marketing and work day-to-day alongside colleagues owning Paid Search and Paid Social. Your focus: everything beyond those two channels, diversifying into areas where we're still early and the upside is real. You'll be a key contributor to our channel diversification.
You'll also be supported by our Commercial Strategy team, who partner with you on test design, attribution, and performance measurement.
How we work
We're a cross-location team, so we're deliberate about staying connected: weekly performance syncs to challenge each other's thinking, monthly cross-channel jour fixes with the wider marketing team so nothing happens in a silo, and regular company-wide learning sessions where we share what worked and what didn't. We expect team members to be in the office at least 25% of total working hours to keep collaboration strong.
We're looking for a (mid-level) performance marketer who will own and scale a diverse channel mix for the German market. Reporting to the Team Lead Performance Marketing, you'll build new online channels from scratch such as Native Ads, Reddit Ads, and LinkedIn Ads, and manage direct placements with publishers relevant to our target audience. On top of that, you'll drive conversion rate optimisation on our paid landing pages, turning traffic into leads.
This is a role for someone who thrives on building things that don't yet exist. You're analytical, structured, and hands-on – and you bring the commercial instinct to know which bets are worth scaling.
What you can drive at iwoca:
New Online Channels
Explore, test, and establish new paid channels such as Native Ads (e.g. Outbrain, Taboola), Reddit Ads, and LinkedIn Ads.
Set up each channel from scratch - KPIs, measurement infrastructure, budget - and own performance end-to-end
Experiment aggressively, measure honestly: we scale what proves itself and stop what doesn't.
Act as project lead for each new channel launch - coordinating across design, compliance, and copywriting from initial ideation through to long-term rollout and ongoing optimisation.
Direct Placements
Build a direct placement network from scratch: Identify, pitch, and partner with publishers who reach German SME decision-makers
Own the commercial relationships end-to-end: negotiation, execution, and performance accountability
Conversion Rate Optimisation
Own the conversion journey on our paid landing pages, run the experimentation roadmap that turns traffic into leads.
Test relentlessly: if a variant doesn't win, learn and move on - the roadmap is never short of ideas to try next
Use tools like Google Analytics, heatmapping tools, and A/B testing platforms to support and confirm your findings.
Work with design and copywriter to ship page iterations fast, informed by data rather than opinion.
Processes and Optimization
Build lean, scalable processes to manage and optimise the channels you establish, so performance stays high without everything relying on manual effort.
Explore and integrate AI tools into your workflows to work faster and smarter, from ideation to execution.
Balance efficiency with rigour: we automate where it makes sense, but we never skip the critical thinking. You question outputs, validate results, and own the quality of what goes live.
Essential:
Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
3–5 years of hands-on performance marketing experience beyond Paid Search and Paid Social, with a track record of building and scaling at least one channel from an early stage (e.g. Native Ads, LinkedIn Ads, Reddit Ads, direct placements, programmatic, or affiliate).
Strong analytical skills – you're comfortable turning campaign data into clear decisions and recommendations.
Experience designing and running A/B tests, with a solid understanding of test design and statistical significance.
A builder mindset: you're energised by setting up channels and measurement frameworks where little or nothing exists yet.
Fluent in German (required – essential for the DE market, publisher relationships, and creative work).
Fluent in English (company working language).
Bonus:
Experience in fintech, lending, or another regulated industry.
Familiarity with offline attribution modelling.
Experience working with or managing external media partners and publishers.
We expect to pay from €60,000–€72,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset.
26 days of vacation a year plus a free day for your birthday.
One-month fully paid sabbatical after 4 years.
Mental health support with direct access to certified psychologists via our partner OpenUp.
iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
€30 contribution towards the Deutschlandticket.
Company Pension with Canada Life.
Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
Corporate Benefits discounts.
’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone, including a book budget.
Learning German budget.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Useful links:
See iwoca benefits & policies for detail and some additional benefits.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for a Customer Success Advisor
At iwoca, we value every customer and want them to have the best possible experience. Customer Success Advisors are at the heart of our Customer Success team, serving customers at all stages of their journey. Upon joining you’ll immediately become a key member of a highly motivated and energetic team.
The team
The Customer Success team are one of the main engine rooms of the business. They provide a quick, informative and dedicated service to iwoca's current and future customers. They are at the front line of all queries ensuring requests are met with a professional response.
This is a Leeds based team which continues to grow weekly providing incredible development opportunities in a supportive environment!
Want to get a deeper understanding of what life is like on the team? Read this blog from our Customer Success Mentor Conor.
The role
Your main responsibility will be delivering a positive customer journey. You’ll be engaging with business owners in a friendly manner and handle each query with expert care and efficiency. You'll be tasked with using your sales ability to convert inbound prospects and educating them on our services to meet their needs.
A typical day can include answering inbound calls to our main line, answering queries and requests as well as handling web chats and customer emails and helping businesses to complete their loan applications.
The requirements
We look for people who are smart, humble, motivated and who are always looking to improve.
Ideally you'll have:
A passion for delighting customers and a real enthusiasm for helping SMEs. You’ll need to be able to build rapport with business owners quickly
Great time management and multitasking skills to be able to adapt to our customer’s needs
To be a self-starter taking ownership of your customers, whilst collaborating with your team to reach group targets
Excellent verbal and written communication skills and a professional manner
The ability to \"think outside the box\" and have the confidence to put forward ideas, often to other departments, to help us improve our processes
To be able to adapt to the growth of an ambitious company. You’ll take new products, customers groups and processes in your stride
We welcome people who are proactive, motivated and metrics-driven who have an ambitious and entrepreneurial spirit.
The salary
Our base salary range in Leeds is £28,000 - £29,000. We want to pay all of our employees fairly, so that’s why we regularly benchmark salaries based on market rates and to recognise your increasing value to our business.
For your first month in the role during training, there is a requirement to be in the office four times per week. This will then drop to once or twice per week upon completion of training. This is a Monday - Friday role working from 9 am to 6 pm.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nWe’re looking for a Customer Success Advisor\n\nAt iwoca, we value every customer and want them to have the best possible experience. Customer Success Advisors are at the heart of our Customer Success team, serving customers at all stages of their journey. Upon joining you’ll immediately become a key member of a highly motivated and energetic team.\n\n\n\nThe team\n\nThe Customer Success team are one of the main engine rooms of the business. They provide a quick, informative and dedicated service to iwoca's current and future customers. They are at the front line of all queries ensuring requests are met with a professional response. \n\nThis is a Leeds based team which continues to grow weekly providing incredible development opportunities in a supportive environment!\n\nWant to get a deeper understanding of what life is like on the team? Read this blog https://www.iwoca.co.uk/inside-iwoca/life-as-a-customer-success-mentor-at-iwoca from our Customer Success Mentor Conor.\n\n\n\nThe role\n\nYour main responsibility will be delivering a positive customer journey. You’ll be engaging with business owners in a friendly manner and handle each query with expert care and efficiency. You'll be tasked with using your sales ability to convert inbound prospects and educating them on our services to meet their needs.\n\nA typical day can include answering inbound calls to our main line, answering queries and requests as well as handling web chats and customer emails and helping businesses to complete their loan applications.\n\n\n\nThe requirements\n\nWe look for people who are smart, humble, motivated and who are always looking to improve.\n\nIdeally you'll have:\n\n - A passion for delighting customers and a real enthusiasm for helping SMEs. You’ll need to be able to build rapport with business owners quickly\n\n - Great time management and multitasking skills to be able to adapt to our customer’s needs\n\n - To be a self-starter taking ownership of your customers, whilst collaborating with your team to reach group targets\n\n - Excellent verbal and written communication skills and a professional manner\n\n - The ability to \"think outside the box\" and have the confidence to put forward ideas, often to other departments, to help us improve our processes\n\n - To be able to adapt to the growth of an ambitious company. You’ll take new products, customers groups and processes in your stride\n\n - We welcome people who are proactive, motivated and metrics-driven who have an ambitious and entrepreneurial spirit.\n\n\n\nThe salary\n\nOur base salary range in Leeds is £28,000 - £29,000. We want to pay all of our employees fairly, so that’s why we regularly benchmark salaries based on market rates and to recognise your increasing value to our business.\n\nFor your first month in the role during training, there is a requirement to be in the office four times per week. This will then drop to once or twice per week upon completion of training. This is a Monday - Friday role working from 9 am to 6 pm.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"da693334-7e82-416f-a8b8-7ebc151dec9e","title":"Collections & Recoveries Advisor","department":"Customer Operations","team":"Customer Operations","employmentType":"FullTime","location":"Leeds ","secondaryLocations":[{"location":"London","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}}}],"publishedAt":"2026-09-02T14:01:00.096+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"west yorkshire","addressCountry":"United Kingdom ","addressLocality":"Leeds"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/da693334-7e82-416f-a8b8-7ebc151dec9e","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/da693334-7e82-416f-a8b8-7ebc151dec9e/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for a Collections & Recoveries Advisor
This is an early arrears collections role. You'll spend your day speaking with business customers who have fallen behind on their loan repayments — having direct, sometimes difficult conversations to understand why a payment has been missed and discussing options to recover what's owed. It's commercial and target-driven, but done the iwoca way: we don't use a dialler, because we'd rather give you time to have meaningful conversations and find the right outcome for each account.
The team
The Collections & Recoveries team at iwoca is responsible for supporting customers who have fallen behind on repayments, with a focus on achieving fair, sustainable outcomes for both the customer and the business.
The team takes a customer-first, solutions-oriented approach, working closely with small to medium business owners to understand their financial situation and discuss forbearance options available to customer. They balance empathy with commercial awareness, ensuring regulatory compliance while protecting iwoca’s loan portfolio.
Where you’ll work
This is a hybrid role based in Leeds. For your first month you'll be in the office every day for training, with the expectation dropping to once or twice a week thereafter.
The role
Our advisors keep customers on track and step in when repayments don't go to plan. Through regular contact, you'll build relationships with customers in early arrears — understanding why payments have been missed, agreeing how to resolve them, and scheduling the next steps.
iwoca's advisors handle high levels of inbound and outbound calls, and sending emails and WhatsApp messages with the greatest level of care, in a diligent, professional and efficient manner and nare able to Negotiate, implement and monitor feasible repayment solutions that take into account the customersclient’s circumstances while balancing the best interests of the business
A day in the life:
Working through your assigned portfolio of accounts in early arrears, managing outbound and inbound calls alongside email and WhatsApp correspondence
Understanding each customers unique circumstances you’ll discuss the options available to them
Whether it’s agreeing a little extra time for payment, or gathering supporting information to consider reduced payments, managing customer expectations is essential
Following up when an arrangement is broken and deciding the right next course of action. We empower you to own decisions on your portfolio.
Keeping clear, accurate notes and staying on top of your follow-ups and emails each day
Requirements
We look for people who are smart, humble, motivated and who are always looking to improve.
Essential/You'll need:
Resilience, and the ability to stay calm and professional in difficult or confrontational conversations
Comfortable working towards individual targets and KPIs
A patient, empathetic and professional manner, especially in difficult conversations
Strong communication skills on both phone and email
High levels of accuracy and attention to detail
The ability to deal with a variety of challenges, innovate and think on your feet
Desirable / Nice to have
Proven experience in debt recovery, ideally in the commercial/business sector in a call based environment
Experience collecting business debt
Insolvency or litigation experience
A track record of managing a large portfolio of debts
Business acumen, entrepreneurial spirit with real enthusiasm for helping SMEs
Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.
The salary
Our base salary range in Leeds is £28,500 - £33,000. We want to pay all of our employees fairly, so that’s why we regularly benchmark salaries based on market rates and to recognise your increasing value to our business.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nWe’re looking for a Collections & Recoveries Advisor \n\nThis is an early arrears collections role. You'll spend your day speaking with business customers who have fallen behind on their loan repayments — having direct, sometimes difficult conversations to understand why a payment has been missed and discussing options to recover what's owed. It's commercial and target-driven, but done the iwoca way: we don't use a dialler, because we'd rather give you time to have meaningful conversations and find the right outcome for each account.\n\n\n\nThe team\n\nThe Collections & Recoveries team at iwoca is responsible for supporting customers who have fallen behind on repayments, with a focus on achieving fair, sustainable outcomes for both the customer and the business.\n\nThe team takes a customer-first, solutions-oriented approach, working closely with small to medium business owners to understand their financial situation and discuss forbearance options available to customer. They balance empathy with commercial awareness, ensuring regulatory compliance while protecting iwoca’s loan portfolio.\n\n\n\nWhere you’ll work\n\nThis is a hybrid role based in Leeds. For your first month you'll be in the office every day for training, with the expectation dropping to once or twice a week thereafter.\n\n\n\nThe role \n\nOur advisors keep customers on track and step in when repayments don't go to plan. Through regular contact, you'll build relationships with customers in early arrears — understanding why payments have been missed, agreeing how to resolve them, and scheduling the next steps. \n\niwoca's advisors handle high levels of inbound and outbound calls, and sending emails and WhatsApp messages with the greatest level of care, in a diligent, professional and efficient manner and nare able to Negotiate, implement and monitor feasible repayment solutions that take into account the customersclient’s circumstances while balancing the best interests of the business\n\n\n\nA day in the life:\n\n - Working through your assigned portfolio of accounts in early arrears, managing outbound and inbound calls alongside email and WhatsApp correspondence\n\n - Understanding each customers unique circumstances you’ll discuss the options available to them\n\n - Whether it’s agreeing a little extra time for payment, or gathering supporting information to consider reduced payments, managing customer expectations is essential\n\n - Following up when an arrangement is broken and deciding the right next course of action. We empower you to own decisions on your portfolio.\n\n - Keeping clear, accurate notes and staying on top of your follow-ups and emails each day\n\n\n\nRequirements\n\nWe look for people who are smart, humble, motivated and who are always looking to improve.\n\nEssential/You'll need: \n\n - Resilience, and the ability to stay calm and professional in difficult or confrontational conversations\n\n - Comfortable working towards individual targets and KPIs\n\n - A patient, empathetic and professional manner, especially in difficult conversations\n\n - Strong communication skills on both phone and email\n\n - High levels of accuracy and attention to detail\n\n - The ability to deal with a variety of challenges, innovate and think on your feet\n\n\n\nDesirable / Nice to have\n\n - Proven experience in debt recovery, ideally in the commercial/business sector in a call based environment\n\n - Experience collecting business debt\n\n - Insolvency or litigation experience\n\n - A track record of managing a large portfolio of debts\n\n - Business acumen, entrepreneurial spirit with real enthusiasm for helping SMEs\n\n\n\nDon’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.\n\n\n\nThe salary\n\nOur base salary range in Leeds is £28,500 - £33,000. We want to pay all of our employees fairly, so that’s why we regularly benchmark salaries based on market rates and to recognise your increasing value to our business.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"cd818551-db71-4911-8920-bd607527e0eb","title":"Collections & Recoveries Specialist","department":"Customer Operations","team":"Customer Operations","employmentType":"FullTime","location":"Leeds ","secondaryLocations":[{"location":"London","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}}}],"publishedAt":"2026-09-02T14:03:10.538+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"west yorkshire","addressCountry":"United Kingdom ","addressLocality":"Leeds"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/cd818551-db71-4911-8920-bd607527e0eb","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/cd818551-db71-4911-8920-bd607527e0eb/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for a Collections & Recoveries Specialist
We're looking for an experienced Collections & Recoveries Specialist to own our most complex and high-value overdue accounts — taking each one from start to resolution, whether that's a negotiated settlement, litigation or insolvency. This is a specialist recoveries role covering contentious and non-contentious collections. You'll already understand the end-to-end lifecycle of these types of accounts and be confident communicating with customers and stakeholders to secure the best outcome for iwoca and our customers.
The team
The Collections & Recoveries team at iwoca is responsible for supporting customers who have fallen behind on repayments, with a focus on achieving fair, sustainable outcomes for both the customer and the business.
The team takes a customer-first, solutions-oriented approach, working closely with small to medium business owners to understand their financial situation and agree on realistic repayment plans where possible. They balance empathy with commercial awareness, ensuring regulatory compliance while protecting iwoca’s loan portfolio.
Where you’ll work
This is a hybrid role based in Leeds or London. For your first month you'll be in the office every day for training, with the expectation dropping to once or twice a week thereafter.
The role
Our Specialist's work within a fast-paced, commercially focused environment, balancing fair treatment of customers with the the best outcome for the iwoca. You will have strong hands-on experience in either debt recovery through the UK courts and/or insolvency procedures. You will know the lifecycle of these accounts from beginning to end and can confidently handle the complexities that come with them.
You will manage a portfolio of accounts with outstanding balances up to £1m through to completion with varying and unique circumstances, managing inbound and initiating outbound telephone calls, letters and emails with the greatest level of care, accuracy and professionallism.
A flavour of what you'll own:
A portfolio of complex, high-value accounts through to resolution — including County Court Judgments (CCJs), charging orders and enforcement action
Reviewing the full financial and asset picture of an account to decide the best route to recovery
Recommending and evidencing the right strategy for each account — a negotiated settlement, a repayment arrangement, or pursuing recovery through litigation
Negotiating and monitoring repayment arrangements on difficult accounts, with clear consequences for non-payment
Instructing and liaising with internal paralegals and external insolvency practitioners
The requirements
We look for people who are smart, humble, motivated and who are always looking to improve.
Essential:
End-to-end, hands-on experience of debt recovery through the UK courts and/or insolvency procedures. This is essential — you'll be expected to assess the strategic recovery position on each account to maintain your assigned portfolio
At least 2 years debt recovery and / or insolvency experience, ideally in the commercial/business sector
Sound commercial judgement and the confidence to make decisions on complex, high-value accounts
A patient, empathetic and professional manner, especially in difficult conversations
Strong communication skills, accuracy and confidence
Desirable / Nice to have
Experience managing a large portfolio of high-value business cases
Experience in the finance or lending industry
Experience with bankruptcy and high level litigation cases
Business acumen and genuine enthusiasm for helping SMEs
We don't expect you to tick every desirable box — but the courts and/or insolvency recovery experience above is genuinely essential for this role. If you have that, we'd love to hear from you even if the rest of your experience looks a little different.
The salary
Our base salary range in Leeds is £34,000 - £41,000. Our base salary range in London is £39,000 - £46,000. We want to pay all of our employees fairly, so that’s why we regularly benchmark salaries based on market rates and to recognise your increasing value to our business.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nWe’re looking for a Collections & Recoveries Specialist \n\nWe're looking for an experienced Collections & Recoveries Specialist to own our most complex and high-value overdue accounts — taking each one from start to resolution, whether that's a negotiated settlement, litigation or insolvency. This is a specialist recoveries role covering contentious and non-contentious collections. You'll already understand the end-to-end lifecycle of these types of accounts and be confident communicating with customers and stakeholders to secure the best outcome for iwoca and our customers.\n\n\n\nThe team\n\nThe Collections & Recoveries team at iwoca is responsible for supporting customers who have fallen behind on repayments, with a focus on achieving fair, sustainable outcomes for both the customer and the business.\n\nThe team takes a customer-first, solutions-oriented approach, working closely with small to medium business owners to understand their financial situation and agree on realistic repayment plans where possible. They balance empathy with commercial awareness, ensuring regulatory compliance while protecting iwoca’s loan portfolio.\n\n\n\nWhere you’ll work\n\nThis is a hybrid role based in Leeds or London. For your first month you'll be in the office every day for training, with the expectation dropping to once or twice a week thereafter.\n\n\n\nThe role\n\nOur Specialist's work within a fast-paced, commercially focused environment, balancing fair treatment of customers with the the best outcome for the iwoca. You will have strong hands-on experience in either debt recovery through the UK courts and/or insolvency procedures. You will know the lifecycle of these accounts from beginning to end and can confidently handle the complexities that come with them.\n\nYou will manage a portfolio of accounts with outstanding balances up to £1m through to completion with varying and unique circumstances, managing inbound and initiating outbound telephone calls, letters and emails with the greatest level of care, accuracy and professionallism.\n\n\n\nA flavour of what you'll own:\n\n - A portfolio of complex, high-value accounts through to resolution — including County Court Judgments (CCJs), charging orders and enforcement action\n\n - Reviewing the full financial and asset picture of an account to decide the best route to recovery\n\n - Recommending and evidencing the right strategy for each account — a negotiated settlement, a repayment arrangement, or pursuing recovery through litigation\n\n - Negotiating and monitoring repayment arrangements on difficult accounts, with clear consequences for non-payment\n\n - Instructing and liaising with internal paralegals and external insolvency practitioners\n\n\n\nThe requirements\n\nWe look for people who are smart, humble, motivated and who are always looking to improve.\n\nEssential:\n\n - End-to-end, hands-on experience of debt recovery through the UK courts and/or insolvency procedures. This is essential — you'll be expected to assess the strategic recovery position on each account to maintain your assigned portfolio\n\n - At least 2 years debt recovery and / or insolvency experience, ideally in the commercial/business sector\n\n - Sound commercial judgement and the confidence to make decisions on complex, high-value accounts\n\n - A patient, empathetic and professional manner, especially in difficult conversations\n\n - Strong communication skills, accuracy and confidence\n\n\n\nDesirable / Nice to have\n\n - Experience managing a large portfolio of high-value business cases\n\n - Experience in the finance or lending industry\n\n - Experience with bankruptcy and high level litigation cases\n\n - Business acumen and genuine enthusiasm for helping SMEs\n\n\n\nWe don't expect you to tick every desirable box — but the courts and/or insolvency recovery experience above is genuinely essential for this role. If you have that, we'd love to hear from you even if the rest of your experience looks a little different.\n\n\n\nThe salary\n\nOur base salary range in Leeds is £34,000 - £41,000. Our base salary range in London is £39,000 - £46,000. We want to pay all of our employees fairly, so that’s why we regularly benchmark salaries based on market rates and to recognise your increasing value to our business.\n\n\n\n\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"e15ee003-4ada-4e52-808d-c76f622ad21a","title":"Account Manager ","department":"Customer Operations","team":"Customer Operations","employmentType":"FullTime","location":"Leeds ","secondaryLocations":[{"location":"London","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}}}],"publishedAt":"2026-10-05T17:08:06.681+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"west yorkshire","addressCountry":"United Kingdom ","addressLocality":"Leeds"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/e15ee003-4ada-4e52-808d-c76f622ad21a","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/e15ee003-4ada-4e52-808d-c76f622ad21a/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for an Account Manager
Our Account Managers are trusted advisors with the consultative sales skills to be able to explain complex products, convert opportunities and nurture a portfolio of businesses to drive growth. iwoca customers receive a dedicated Account Manager from the point of application, so you’ll have control of the end-to-end customer journey from on-boarding to retention.
The role
iwoca's Account Managers are at the centre of conversion, building and maintaining strong, long-lasting relationships with small businesses. You’ll be an expert in SMEs and the business lending market, helping them achieve their goals with the support of iwoca.
Working in the Account Management team you will convert customers and maximise revenue, from onboarding of new prospects to nurturing a portfolio of existing customers whilst managing businesses end to end through our customer journey, providing industry leading service levels by exceeding our customer’s expectations.
The requirements
We look for people who are smart, humble, motivated and who are always looking to improve.
Ideally you'll have:
Proven customer relationship management experience.
Consultative sales skills that enable you to understand customer needs and match the right product or service to them.
Experience explaining complex products and services to customers.
A strong track record of not only meeting, but exceeding KPIs to drive both your and the team’s performance.
Brilliant communication skills with an excellent telephone manner and a passion for delighting customers.
A growth mindset that is engaged in our mission, helping us to improve how we convert and serve our customers and motivated to collaborate with team mates.
Bonus:
Experience working in financial services.
A strong background in compliance and call QA.
Understanding on the lending/loan market.
The salary
Our base salary range in Leeds is £30,000 - £37,000 + bonus (OTE 20%). Our base salary range in London is £34,000 - £41,000 + bonus (OTE 20%). We want to pay all of our employees fairly, so that’s why we regularly benchmark salaries based on market rates and to recognise your increasing value to our business.
For the first month of the role to complete training, there is a requirement to be in the office three times per week. This will then drop to once/twice per week after completion of training.
The team
Our Account Management team is one of the largest and fastest-growing at iwoca, with nearly 60 Account Managers and more growth ahead. It’s an exciting time to join a team that plays a key role in supporting small businesses.
You’ll be supported by 11 experienced mentors and team leads, focused on coaching and development.
There are clear progression pathways into Senior Account Manager roles, specialist positions, and management, with many team members advancing internally.
Please see the link below to learn more about Conor’s career journey, progressing from a Customer Service Agent to a management role within our organisation.
https://www.iwoca.co.uk/inside-iwoca/life-as-a-customer-success-mentor-at-iwoca
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nWe’re looking for an Account Manager\n\nOur Account Managers are trusted advisors with the consultative sales skills to be able to explain complex products, convert opportunities and nurture a portfolio of businesses to drive growth. iwoca customers receive a dedicated Account Manager from the point of application, so you’ll have control of the end-to-end customer journey from on-boarding to retention.\n\n\n\nThe role\n\niwoca's Account Managers are at the centre of conversion, building and maintaining strong, long-lasting relationships with small businesses. You’ll be an expert in SMEs and the business lending market, helping them achieve their goals with the support of iwoca.\n\nWorking in the Account Management team you will convert customers and maximise revenue, from onboarding of new prospects to nurturing a portfolio of existing customers whilst managing businesses end to end through our customer journey, providing industry leading service levels by exceeding our customer’s expectations.\n\n\n\nThe requirements\n\nWe look for people who are smart, humble, motivated and who are always looking to improve.\n\nIdeally you'll have:\n\n - Proven customer relationship management experience.\n\n - Consultative sales skills that enable you to understand customer needs and match the right product or service to them.\n\n - Experience explaining complex products and services to customers.\n\n - A strong track record of not only meeting, but exceeding KPIs to drive both your and the team’s performance.\n\n - Brilliant communication skills with an excellent telephone manner and a passion for delighting customers.\n\n - A growth mindset that is engaged in our mission, helping us to improve how we convert and serve our customers and motivated to collaborate with team mates.\n\nBonus:\n\n - Experience working in financial services.\n\n - A strong background in compliance and call QA.\n\n - Understanding on the lending/loan market.\n\n\n\nThe salary\n\nOur base salary range in Leeds is £30,000 - £37,000 + bonus (OTE 20%). Our base salary range in London is £34,000 - £41,000 + bonus (OTE 20%). We want to pay all of our employees fairly, so that’s why we regularly benchmark salaries based on market rates and to recognise your increasing value to our business.\n\n\n\nFor the first month of the role to complete training, there is a requirement to be in the office three times per week. This will then drop to once/twice per week after completion of training.\n\n\n\nThe team\n\nOur Account Management team is one of the largest and fastest-growing at iwoca, with nearly 60 Account Managers and more growth ahead. It’s an exciting time to join a team that plays a key role in supporting small businesses.\n\nYou’ll be supported by 11 experienced mentors and team leads, focused on coaching and development.\n\nThere are clear progression pathways into Senior Account Manager roles, specialist positions, and management, with many team members advancing internally.\n\nPlease see the link below to learn more about Conor’s career journey, progressing from a Customer Service Agent to a management role within our organisation.\n\n\n\nhttps://www.iwoca.co.uk/inside-iwoca/life-as-a-customer-success-mentor-at-iwoca\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"f1823b3f-3eaf-4b77-8002-06e4643ef53e","title":"Senior Backend Engineer - Credit Card Payments","department":"Software Engineering and Tech","team":"Software Engineering and Tech","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-27T10:16:46.720+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/f1823b3f-3eaf-4b77-8002-06e4643ef53e","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/f1823b3f-3eaf-4b77-8002-06e4643ef53e/application","descriptionHtml":"Hybrid in London, United Kingdom
We're looking for a Senior Backend Engineer to join the Payments Infrastructure team.
You’ll design and build the payments platform behind iwoca’s business credit card – the services that approve each payment, monitor transactions for fraud, and pay out cashback.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
iwoca launched its business credit card in 2026. It gives small businesses a fast, flexible way to pay for what they need and control their cash flow, alongside iwoca’s loans. The card is a core part of iwoca’s long-term growth.
The Payments infrastructure team builds iwoca’s card payments platform. Its job is to approve each payment in moments when a customer uses their card. The team also builds the platforms that pay out rewards as customers spend and monitor every transaction.
The team is small – a principal engineer, a product manager with a background in payments, and you. It works closely with iwoca’s ledger, fraud and customer product teams.
The role
As a senior backend engineer, you’ll own services and projects end to end, and shape the platform’s architecture with the principal engineer, from service boundaries to how authorisation, rewards, and transaction monitoring fit together. You’ll work closely with product to decide what the team builds and how. There’s still plenty to build, and you’ll take new services into production.
You’ll build on your payments expertise alongside the principal engineer, with scope to grow as the platform matures. Most of the challenge is technical: scaling payments within card scheme rules and the regulation iwoca has to meet. Your code will run every time a small business uses its iwoca card.
Live project examples:
Payment authorisation. Extending the service built to approve or decline each card payment in real time, using data held in other services. It places a hold on available credit in the ledger and applies iwoca's own checks, such as account status, merchant category code restrictions, and spend limits.
Transaction monitoring. Building the service that will screen card transactions for fraud and financial-crime risk as customers spend, so iwoca will rely less on third parties.
Rewards. Extending the service that pays out cashback, as the team adds to what the card offers.
Testing for failure. Designing sandbox tests that cover edge cases and failures across the card transaction lifecycle.
Ledger cutover and go-live. Moving the card platform onto iwoca's own ledger and infrastructure with as little downtime as possible, then fixing the issues that only show up in production.
The requirements
Essential:
Payment systems. You've designed and run highly available, low-latency payment systems in production, ideally on the issuing side.
Card payment flows. You've worked on card authorisation and clearing, and traced transactions from the terminal, through the acquirer and card scheme, to the issuer. You've used response codes to diagnose declined transactions.
Backend engineering. You have deep expertise in at least one object-oriented language. You've written and run backend services in it.
Distributed systems. You've built microservices, REST APIs, and asynchronous messaging with queues or topics, and designed the database schemas behind them, ideally in PostgreSQL.
AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone, at work or in your own projects. You judge when to use it and when not to, and you check its output before it reaches production.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.
Bonus:
Ledgers and clearing. You've worked on a ledger, reconciliation, or clearing system – for cards, loyalty points, bank transfers, or money remittance.
Testing. You've written automated tests for payment systems, ideally test-first.
Python. You've used Python in production. It's the language the team works in.
The salary
We expect to pay from £100,000 to £120,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"SENIOR BACKEND ENGINEER - CREDIT CARD PAYMENTS\n\nHybrid in London, United Kingdom\n\n\n\nWe're looking for a Senior Backend Engineer to join the Payments Infrastructure team.\n\nYou’ll design and build the payments platform behind iwoca’s business credit card – the services that approve each payment, monitor transactions for fraud, and pay out cashback.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\niwoca launched its business credit card in 2026. It gives small businesses a fast, flexible way to pay for what they need and control their cash flow, alongside iwoca’s loans. The card is a core part of iwoca’s long-term growth.\n\nThe Payments infrastructure team builds iwoca’s card payments platform. Its job is to approve each payment in moments when a customer uses their card. The team also builds the platforms that pay out rewards as customers spend and monitor every transaction.\n\nThe team is small – a principal engineer, a product manager with a background in payments, and you. It works closely with iwoca’s ledger, fraud and customer product teams.\n\n\n\nThe role\n\nAs a senior backend engineer, you’ll own services and projects end to end, and shape the platform’s architecture with the principal engineer, from service boundaries to how authorisation, rewards, and transaction monitoring fit together. You’ll work closely with product to decide what the team builds and how. There’s still plenty to build, and you’ll take new services into production.\n\nYou’ll build on your payments expertise alongside the principal engineer, with scope to grow as the platform matures. Most of the challenge is technical: scaling payments within card scheme rules and the regulation iwoca has to meet. Your code will run every time a small business uses its iwoca card.\n\nLive project examples:\n\n - Payment authorisation. Extending the service built to approve or decline each card payment in real time, using data held in other services. It places a hold on available credit in the ledger and applies iwoca's own checks, such as account status, merchant category code restrictions, and spend limits.\n\n - Transaction monitoring. Building the service that will screen card transactions for fraud and financial-crime risk as customers spend, so iwoca will rely less on third parties.\n\n - Rewards. Extending the service that pays out cashback, as the team adds to what the card offers.\n\n - Testing for failure. Designing sandbox tests that cover edge cases and failures across the card transaction lifecycle.\n\n - Ledger cutover and go-live. Moving the card platform onto iwoca's own ledger and infrastructure with as little downtime as possible, then fixing the issues that only show up in production.\n\n\n\nThe requirements\n\nEssential:\n\n - Payment systems. You've designed and run highly available, low-latency payment systems in production, ideally on the issuing side.\n\n - Card payment flows. You've worked on card authorisation and clearing, and traced transactions from the terminal, through the acquirer and card scheme, to the issuer. You've used response codes to diagnose declined transactions.\n\n - Backend engineering. You have deep expertise in at least one object-oriented language. You've written and run backend services in it.\n\n - Distributed systems. You've built microservices, REST APIs, and asynchronous messaging with queues or topics, and designed the database schemas behind them, ideally in PostgreSQL.\n\n - AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone, at work or in your own projects. You judge when to use it and when not to, and you check its output before it reaches production.\n\n - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.\n\nBonus:\n\n - Ledgers and clearing. You've worked on a ledger, reconciliation, or clearing system – for cards, loyalty points, bank transfers, or money remittance.\n\n - Testing. You've written automated tests for payment systems, ideally test-first.\n\n - Python. You've used Python in production. It's the language the team works in.\n\n\n\nThe salary\n\nWe expect to pay from £100,000 to £120,000 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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"84ab18f3-e6a8-4db0-b323-3aa7056c5fa1","title":"Senior Commercial Insurance Broker - Insurance Venture (UK) ","department":"Strategy and Product","team":"Strategy and Product","employmentType":"FullTime","location":"London","secondaryLocations":[{"location":"Leeds ","address":{"postalAddress":{"addressRegion":"west yorkshire","addressCountry":"United Kingdom ","addressLocality":"Leeds"}}}],"publishedAt":"2026-07-16T16:09:38.665+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/84ab18f3-e6a8-4db0-b323-3aa7056c5fa1","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/84ab18f3-e6a8-4db0-b323-3aa7056c5fa1/application","descriptionHtml":"We're looking for Senior Commercial Insurance Brokers
Are you a commercial insurance expert with an entrepreneurial spirit? We’re looking for a high-energy Senior Commercial Insurance Broker to help us build a brand-new insurance venture. If you thrive in fast-paced environments and want to redefine how SMEs protect their businesses, we want to hear from you.
The company
We're here because we believe in SMEs. We believe they deserve better than confusing jargon, slow and outdated customer experiences, and being caught out by hidden conditions and fees. And we believe it's our job to help them navigate risk with confidence.
Since 2012, iwoca has made finance fast, flexible, and fair for over 150,000 businesses. Now, we're doing the same for insurance. We're building a brand new insurance business from the ground up — to protect SMEs in the moments that matter most.
Our passionate team is driven to help even more SMEs succeed by providing access to better finance and services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
The team is a small, smart, entrepreneurial group responsible for launching iwoca's new SME insurance business. Here’s how the team work together:
Customer-obsessed: The team challenges itself to build insurance that its customers actually want, rather than what insurers simply want to sell.
Curious & supportive: The team collaborates across disciplines to find creative solutions to complex problems in a safe and supportive environment.
Motivated & humble: The team is motivated, fast-paced and highly autonomous. We’re humble and make sure to celebrate wins and have fun along the way.
Entrepreneurial & growth-minded: The environment is ideal for someone who thrives on taking full ownership and is ready to roll up their sleeves and build.
The role
As a Senior Commercial Insurance Broker, you will be a founding member of our new insurance venture, responsible for providing expert insurance advice to SMEs, coaching junior team members, and building a modern, customer-first insurance experience.
In this role, you will
Deliver a seamless insurance experience by blending cutting-edge technology with deep technical product knowledge, drawing on your expertise to improve processes and enhance customer satisfaction.
Advise on all lines of commercial insurance, handling more complex placements and managing the new business and renewals pipelines to ensure all opportunities are maximised and managed in a timely way.
Navigate the insurance market leveraging the Acturis platform and open-market relationships.
Champion clear, professional communication via phone and email, speaking directly to our customers in plain English.
Drive innovation by translating customer feedback into actionable insights for our product roadmap.
Comply with internal standards and FCA regulations to ensure good customer outcomes.
The requirements
Essential:
Proven track record of at least 5 years' experience as a commercial insurance broker.
Technical expertise in handling all lines of commercial insurance for SMEs.
A high-energy, resilient, and results-oriented personality that thrives on achieving goals. You have sharp problem-solving instincts and a \"can-do\" mindset.
Exceptional organisation and communication skills, and a proactive approach to relationship management.
Ability to thrive in a fast-moving environment, make swift decisions, and remove unnecessary friction for our customers.
Bonus:
Insurance qualifications (Diploma in Insurance, etc.)
Experience using Acturis and/or HubSpot
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"We're looking for Senior Commercial Insurance Brokers\n\nAre you a commercial insurance expert with an entrepreneurial spirit? We’re looking for a high-energy Senior Commercial Insurance Broker to help us build a brand-new insurance venture. If you thrive in fast-paced environments and want to redefine how SMEs protect their businesses, we want to hear from you.\n\n\n\nThe company\n\nWe're here because we believe in SMEs. We believe they deserve better than confusing jargon, slow and outdated customer experiences, and being caught out by hidden conditions and fees. And we believe it's our job to help them navigate risk with confidence.\n\nSince 2012, iwoca has made finance fast, flexible, and fair for over 150,000 businesses. Now, we're doing the same for insurance. We're building a brand new insurance business from the ground up — to protect SMEs in the moments that matter most.\n\nOur passionate team is driven to help even more SMEs succeed by providing access to better finance and services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nThe team is a small, smart, entrepreneurial group responsible for launching iwoca's new SME insurance business. Here’s how the team work together:\n\n - Customer-obsessed: The team challenges itself to build insurance that its customers actually want, rather than what insurers simply want to sell.\n\n - Curious & supportive: The team collaborates across disciplines to find creative solutions to complex problems in a safe and supportive environment.\n\n - Motivated & humble: The team is motivated, fast-paced and highly autonomous. We’re humble and make sure to celebrate wins and have fun along the way.\n\n - Entrepreneurial & growth-minded: The environment is ideal for someone who thrives on taking full ownership and is ready to roll up their sleeves and build.\n\n\n\nThe role\n\nAs a Senior Commercial Insurance Broker, you will be a founding member of our new insurance venture, responsible for providing expert insurance advice to SMEs, coaching junior team members, and building a modern, customer-first insurance experience.\n\nIn this role, you will\n\n - Deliver a seamless insurance experience by blending cutting-edge technology with deep technical product knowledge, drawing on your expertise to improve processes and enhance customer satisfaction.\n\n - Advise on all lines of commercial insurance, handling more complex placements and managing the new business and renewals pipelines to ensure all opportunities are maximised and managed in a timely way.\n\n - Navigate the insurance market leveraging the Acturis platform and open-market relationships.\n\n - Champion clear, professional communication via phone and email, speaking directly to our customers in plain English.\n\n - Drive innovation by translating customer feedback into actionable insights for our product roadmap.\n\n - Comply with internal standards and FCA regulations to ensure good customer outcomes.\n\n\n\nThe requirements\n\nEssential:\n\n - Proven track record of at least 5 years' experience as a commercial insurance broker.\n\n - Technical expertise in handling all lines of commercial insurance for SMEs.\n\n - A high-energy, resilient, and results-oriented personality that thrives on achieving goals. You have sharp problem-solving instincts and a \"can-do\" mindset.\n\n - Exceptional organisation and communication skills, and a proactive approach to relationship management.\n\n - Ability to thrive in a fast-moving environment, make swift decisions, and remove unnecessary friction for our customers.\n\nBonus:\n\n - Insurance qualifications (Diploma in Insurance, etc.)\n\n - Experience using Acturis and/or HubSpot\n \n \n\nThe culture\n\nAt 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.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"4ed8de60-7014-4ccc-91fc-9a16c72a64b8","title":"Commercial Insurance Broker - Insurance Venture (UK) ","department":"Strategy and Product","team":"Strategy and Product","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-07-16T16:04:59.861+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/4ed8de60-7014-4ccc-91fc-9a16c72a64b8","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/4ed8de60-7014-4ccc-91fc-9a16c72a64b8/application","descriptionHtml":"We're looking for Commercial Insurance Brokers
Are you a commercial insurance expert with an entrepreneurial spirit? We’re looking for high-energy Commercial Insurance Brokers to help us build a brand-new insurance venture. If you thrive in fast-paced environments and want to redefine how SMEs protect their businesses, we want to hear from you.
The company
We're here because we believe in SMEs. We believe they deserve better than confusing jargon, slow and outdated customer experiences, and being caught out by hidden conditions and fees. And we believe it's our job to help them navigate risk with confidence.
Since 2012, iwoca has made finance fast, flexible, and fair for over 150,000 businesses. Now, we're doing the same for insurance. We're building a brand new insurance business from the ground up — to protect SMEs in the moments that matter most.
Our passionate team is driven to help even more SMEs succeed by providing access to better finance and services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
The team is a small, smart, entrepreneurial group responsible for launching iwoca's new SME insurance business. Here’s how the team work together:
Customer-obsessed: The team challenges itself to build insurance that its customers actually want, rather than what insurers simply want to sell.
Curious & supportive: The team collaborates across disciplines to find creative solutions to complex problems in a safe and supportive environment.
Motivated & humble: The team is motivated, fast-paced and highly autonomous. We’re humble and make sure to celebrate wins and have fun along the way.
Entrepreneurial & growth-minded: The environment is ideal for someone who thrives on taking full ownership and is ready to roll up their sleeves and build.
The role
As a Commercial Insurance Broker, you will be a founding member of our new insurance venture, responsible for providing expert guidance to SMEs and building a modern, customer-first insurance experience from the ground up.
In this role, you will
Deliver a seamless insurance experience by blending cutting-edge technology with human expertise.
Advise on all lines of commercial insurance, handling both new business and renewals.
Navigate the insurance market leveraging the Acturis platform and open-market relationships.
Champion clear, professional communication via phone and email, speaking directly to our customers in plain English.
Drive innovation by translating customer feedback into actionable insights for our product roadmap.
Comply with internal standards and FCA regulations to ensure good customer outcomes.
The requirements
Essential:
Proven track record of at least 2 years' experience as a commercial insurance broker.
Proficient in handling all lines of commercial insurance for SMEs.
A high-energy, resilient, and results-oriented personality that thrives on achieving goals. You have sharp problem-solving instincts and a \"can-do\" mindset.
Exceptional organisation and communication skills, and a proactive approach to relationship management.
Ability to thrive in a fast-moving environment, make swift decisions, and remove unnecessary friction for our customers.
Bonus:
Insurance qualifications (Diploma in Insurance, etc.)
Experience using Acturis and/or HubSpot
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"We're looking for Commercial Insurance Brokers\n\nAre you a commercial insurance expert with an entrepreneurial spirit? We’re looking for high-energy Commercial Insurance Brokers to help us build a brand-new insurance venture. If you thrive in fast-paced environments and want to redefine how SMEs protect their businesses, we want to hear from you.\n\n\n\nThe company\n\nWe're here because we believe in SMEs. We believe they deserve better than confusing jargon, slow and outdated customer experiences, and being caught out by hidden conditions and fees. And we believe it's our job to help them navigate risk with confidence.\n\nSince 2012, iwoca has made finance fast, flexible, and fair for over 150,000 businesses. Now, we're doing the same for insurance. We're building a brand new insurance business from the ground up — to protect SMEs in the moments that matter most.\n\nOur passionate team is driven to help even more SMEs succeed by providing access to better finance and services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nThe team is a small, smart, entrepreneurial group responsible for launching iwoca's new SME insurance business. Here’s how the team work together:\n\n - Customer-obsessed: The team challenges itself to build insurance that its customers actually want, rather than what insurers simply want to sell.\n\n - Curious & supportive: The team collaborates across disciplines to find creative solutions to complex problems in a safe and supportive environment.\n\n - Motivated & humble: The team is motivated, fast-paced and highly autonomous. We’re humble and make sure to celebrate wins and have fun along the way.\n\n - Entrepreneurial & growth-minded: The environment is ideal for someone who thrives on taking full ownership and is ready to roll up their sleeves and build.\n\n\n\nThe role\n\nAs a Commercial Insurance Broker, you will be a founding member of our new insurance venture, responsible for providing expert guidance to SMEs and building a modern, customer-first insurance experience from the ground up.\n\nIn this role, you will\n\n - Deliver a seamless insurance experience by blending cutting-edge technology with human expertise.\n\n - Advise on all lines of commercial insurance, handling both new business and renewals.\n\n - Navigate the insurance market leveraging the Acturis platform and open-market relationships.\n\n - Champion clear, professional communication via phone and email, speaking directly to our customers in plain English.\n\n - Drive innovation by translating customer feedback into actionable insights for our product roadmap.\n\n - Comply with internal standards and FCA regulations to ensure good customer outcomes.\n\n\n\nThe requirements\n\nEssential:\n\n - Proven track record of at least 2 years' experience as a commercial insurance broker.\n\n - Proficient in handling all lines of commercial insurance for SMEs.\n\n - A high-energy, resilient, and results-oriented personality that thrives on achieving goals. You have sharp problem-solving instincts and a \"can-do\" mindset.\n\n - Exceptional organisation and communication skills, and a proactive approach to relationship management.\n\n - Ability to thrive in a fast-moving environment, make swift decisions, and remove unnecessary friction for our customers.\n\nBonus:\n\n - Insurance qualifications (Diploma in Insurance, etc.)\n\n - Experience using Acturis and/or HubSpot\n \n \n\nThe culture\n\nAt 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.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"0814d5d6-ce6a-42dd-b613-9ffd08346019","title":"Customer Service Advisor - Deutschsprachig (m/w/d)","department":"Customer Operations","team":"Customer Operations","employmentType":"FullTime","location":"Frankfurt","secondaryLocations":[{"location":"Germany","address":{"postalAddress":{"addressRegion":"Brandenburg","addressCountry":"Germany","addressLocality":"berlin"}}}],"publishedAt":"2026-07-29T10:25:27.302+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"Hessen","addressCountry":"Germany","addressLocality":"Frankfurt"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/0814d5d6-ce6a-42dd-b613-9ffd08346019","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/0814d5d6-ce6a-42dd-b613-9ffd08346019/application","descriptionHtml":"Gerade für kleine Unternehmen muss es oft schnell gehen. Chancen warten nicht und Liquiditätsengpässe können über Nacht entstehen. Um voranzukommen und zu wachsen, brauchen KMU Finanzierung, die genauso flexibel und reaktionsschnell ist wie sie selbst.
Genau deshalb haben wir iwoca gegründet. Unsere smarte Technologie, moderne Datenanalyse und unser erstklassiger Kundenservice sorgen dafür, dass Unternehmer*innen schnell, sicher und kontrolliert handeln können - genau in den Momenten, in denen es darauf ankommt.
Wir haben bereits mehr als 150.000 Unternehmen mit über 4,5 Milliarden Euro unterstützt. Unser Team setzt alles daran, noch mehr Mittelständler*innen zum Erfolg zu verhelfen - durch besseren Zugang zu Finanzierung und zusätzliche Services, die den Geschäftsalltag einfacher machen. Unsere Mission? Eine Million Unternehmen in ihren entscheidenden Momenten zu unterstützen und so einen nachhaltigen Beitrag zu leisten- sowohl für die Unternehmen selbst, als auch für ihr wirtschaftliches Ökosystem und die deutsche Gesamtwirtschaft.
Die Stelle
Als Customer Service Advisor*in bist du die erste Anlaufstelle für potentielle Neukund*innen und langjährige Bestandskund*innen und somit iwocas “Aushängeschild”. Du kümmerst dich um eingehende Anrufe, E-Mails und Webchats und unterstützt Unternehmer*innen sowohl bei allgemeinen Fragen als auch bei der Antragstellung und Folgefinanzierungen. Dabei legst du höchsten Wert auf Kundenservice und ermöglichst unseren Kund*innen durch deine Kommunikation die optimale Nutzung unserer Produkte.
Ein grundlegender Baustein für unseren Erfolg ist es, Kund*innen und Partner*innen von unserer Mission zu überzeugen und zu begeistern - das reicht bei unseren Kund*innen vom Frisörsalon bis zur Zahnarztpraxis und bei unseren Partner*innen von der Finanzberatung bis zu Mitarbeitenden der Bankfiliale.
Wenn Sie mehr über diese Position erfahren möchten, finden Sie hier den passenden Artikel.
Zusammen arbeiten, gemeinsam wachsen: Bei uns erwartet dich ein Umfeld, in dem deine Ideen wirklich etwas bewegen. Dass unsere Kultur nicht nur auf dem Papier gut klingt, zeigt auch unser Kununu-Score von über 4,5 – ein Team, auf das man sich jeden Tag freuen kann!
Die Anforderungen
Grundlegend:
Zeigt Neugier im Umgang mit KI-Tools und Interesse daran, diese weiter zu erlernen. Du nutzt KI bereits sicher in der Praxis, um Probleme zu lösen, effizienter zu arbeiten und die Qualität deiner Arbeit zu verbessern. Dabei zeigst du ein gutes Gespür dafür, wann der Einsatz sinnvoll ist, und kannst deine Entscheidungen nachvollziehbar begründen.
Du bist für die allgemeine Kundenzufriedenheit verantwortlich und stellst sicher, dass Kundenanfragen per Telefon, E-Mail oder Webchat bestmöglich und zügig bearbeitet werden.
Du beantwortest Fragen zu unseren Produkten, dem Antragsprozess und iwoca allgemein und unterstützt so Neu- und Bestandskund*innen.
Du hilfst Unternehmen, ihren Antrag auszufüllen und die notwendigen Dokumente bereitzustellen, die wir für eine Kreditentscheidung benötigen.
Du arbeitest mit verschiedenen Teams innerhalb von iwoca zusammen, um das beste Ergebnis für unsere Kund*innen zu erzielen.
Du nimmst aktiv an der Weiterentwicklung von iwoca teil, indem du Rückmeldungen von Kund*innen oder Angebote von Wettbewerbern teilst und regelmäßig Feedback zu unseren Prozessen gibst
Das wichtigste zu dir:
Du hast exzellente Kommunikationsfähigkeiten und ausgezeichnete Deutschkenntnisse (C1). Außerdem bringst du Englischkenntnisse mit, sodass Meetings in unserem internationalen Team kein Problem für dich sind.
Du hast Spaß an der Kommunikation mit Kund*innen und lebst “Customer Centricity\". Für dich ist es die größte Motivation, Erfolge mit unseren Kund*innen zu erzielen.
Du hast eine abgeschlossene kaufmännische Ausbildung / betriebswirtschaftliches Studium und kannst mit relevanter Berufserfahrung im Kundenservice punkten (Erfahrungen im Bankenumfeld oder einem Fintech sind ein Plus).
Du bist hochmotiviert, organisiert, ein/e echte/r Teamplayer*in und hast eine ‘Hands-on-Mentalität’.
Eine selbstständige, teamorientierte und zuverlässige Arbeitsweise ist für dich selbstverständlich.
Wir rechnen mit einem Gehalt zwischen 36.000 € und 44.000 € für diese Stelle. Uns ist es jedoch wichtig, dich fair zu bezahlen, also gib in deiner Bewerbung unbedingt deine Gehaltsvorstellungen an. Wir vergleichen Gehälter regelmäßig mit den marktüblichen Sätzen und führen zusätzlich vierteljährliche Performance- und Gehaltsreviews durch.
Bei iwoca gewinnt die beste Idee. Unsere Kultur basiert auf eigenständigem Denken, dem Hinterfragen von Annahmen und faktenbasierten Entscheidungen. Wir legen großen Wert auf Lernen und Weiterentwicklung und geben dir die Freiheit, dich in die Richtung zu entwickeln, in der du am wirkungsvollsten bist.
Wir sind ein Technologieunternehmen und glauben an das Potenzial von KI, uns schneller und besser arbeiten zu lassen. Wir schaffen die Voraussetzungen dafür, dass alle im Team jederzeit Zugriff auf die besten Modelle haben – und dass diese Modelle mit unseren Daten arbeiten können. Gleichzeitig unterstützen wir dich dabei, den Umgang mit neuen Tools zu lernen und dich mit ihnen weiterzuentwickeln.
Wir geben uns viel Mühe, iwoca zu einem großartigen Arbeitsplatz zu machen:
Büros in Berlin, Frankfurt, London und Leeds mit reichlich Snacks und Getränken
Veranstaltungen und Clubs: Von Laufgruppen und Padel bis hin zu monatlichen Ping-Pong- und Billard-Turnieren
Ein smartes, motiviertes und internationales Team (wir vertreten über 35 verschiedene Nationalitäten) mit einem unbändigen Growth-Mindset
26 Urlaubstage pro Jahr, plus ein freier Tag an deinem Geburtstag, die Möglichkeit, bis zu fünf Urlaubstage zu kaufen oder zu verkaufen, sowie unbegrenzter (unbezahlter) Urlaub
Ein 1-monatiges, voll bezahltes Sabbatical nach 4 Jahren bei iwoca
Direkter Zugang zur Unterstützung von zertifizierten Psycholog*innen mit unserem Partner OpenUp für Teammitglieder, die emotionale oder mentale Unterstützung brauchen
Zuschuss zur Fitnessstudio-Mitgliedschaft: 25 € für Fit711 oder den Urban Sports Club
30 € Zuschuss zum Deutschlandticket
Betriebliche Altersvorsorge über Canada Life
Top-Standorte: In Frankfurt direkt in der Innenstadt, in Berlin mitten im Prenzlauer Berg
Ein bezahlter Tag für Freiwilligenarbeit, an dem du eine gemeinnützige Organisation deiner Wahl unterstützen kannst
Voll ausgestattete Kühlschränke in unseren Büros mit allem, was das Herz begehrt: von gesunden Snacks bis hin zu Nervennahrung für den ganzen Tag
“Summer Houses” im Süden Europas und “Winter Houses” in den Alpen – bisher ging’s unter anderem nach Frankreich, Italien, Spanien und sogar noch weiter weg
Corporate Benefits Rabatte
Und damit das Lernen nie aufhört, bieten wir:
Ein persönliches Budget zum Lernen und Weiterbilden für alle
Ein Budget für Deutsch/Englisch-Unterricht
Vorträge mit internen und externen Referent*innen für das ganze Unternehmen
Zugang zu Lernplattformen wie Treehouse
Nützliche Links:
Mehr Details und zusätzliche Benefits findest du unter iwoca Benefits & Richtlinien
Hier findest du unser iwoca Willkommenspaket für Interviews
Hybrid in London (UK) or Remote within the UK
We’re hiring a Tech Lead for our Funnel Platform Team.
You will lead the evolution of the shared code, frameworks, and integrations that power our services, build and improve business-critical systems, and shape the technical vision. Your customers are other iwoca engineers.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The Team
The Platform team owns approximately 10 shared services that the rest of iwoca engineering builds on top of - including the frameworks and integrations with external data providers (Experian, Equifax, TransUnion, Companies House etc) that underpin our credit decisions. This is not an SRE or DevOps team. Funnel Platform is code and framework focused - building and stewarding the shared services that the rest of engineering depends on.
The team works hand-in-hand with other teams to build and deliver a shared vision for the future of the platform.
The Role
The Tech Lead role combines individual contribution, line management, and ownership of the platform roadmap. You will lead a team of developers focused on the shared services and frameworks that other iwoca engineering teams build on, driving technical strategy and translating our long-term vision into robust, maintainable systems.
Your mission is \"Making Change Easy\" for the engineering teams that depend on you by owning shared services and being the trusted reviewer for contributions from partner teams, ending conflicts between maintenance and delivery through dedicated ownership.
This is a hands-on technical leadership role where you will take full ownership of the team's roadmap and provide direct line management to its engineers.
A balance of delivery, leadership, and influence:
Act as a hands-on contributor and lead by example in quality, testing, and performance.
Drive the technical strategy and execution for the Platform team, translating vision into well-designed, robust, and maintainable systems.
Set direction without a PM - spot the problems worth solving, back them with data, and drive them to delivery.
Architectural ownership and impact:
Lead the development of shared frameworks and services that other engineering teams contribute to and build on.
Collaborate with stakeholders in the commercial funnel teams to build a shared roadmap.
Own the health of the shared services other teams depend on - spotting emerging issues, reviewing contributions from consuming teams,
Shape architectural improvements to the shared services over time - measured on developer experience, service health, and reliability, not feature throughput
Team leadership and management:
Manage and mentor engineers, taking responsibility for their performance, coaching, and career development.
Define and champion engineering best practices within your team and across the wider engineering group.
The requirements
Essential:
Experience developing and owning shared backend services that other engineering teams contribute to and depend on - being the trusted reviewer for their contributions and shaping how they build on top of your work.
Experience building and shaping distributed systems in complex business domains.
Advanced proficiency in software development.
Confidence to work closely with partners from other disciplines to challenge assumptions and discover underlying problems.
Demonstrable leadership skills: you have mentored juniors and inspired teams to deliver cross-functional projects. You can balance hands-on coding with strategic planning.
You use AI (like Cursor, Claude Code or similar) in your daily flow—whether for work or for fun. You use it to blast through boilerplate and research, so you can focus on the hard parts: complex architecture, rigour, and high-stakes decision-making.
Bonus:
A strong numerical or technical background, ideally with a degree in physics, engineering, maths, computer science or a related field.
Experience with Python, Django, or PostgreSQL.
Familiarity with data analytics or machine learning processes.
Experience with complex data architectures, including event-sourced data models.
The salary
We expect to pay from £90,000 - £120,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"BACKEND TECH LEAD - FUNNEL PLATFORM\n\nHybrid in London (UK) or Remote within the UK\n\n\n\nWe’re hiring a Tech Lead for our Funnel Platform Team. \n\nYou will lead the evolution of the shared code, frameworks, and integrations that power our services, build and improve business-critical systems, and shape the technical vision. Your customers are other iwoca engineers.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe Team\n\nThe Platform team owns approximately 10 shared services that the rest of iwoca engineering builds on top of - including the frameworks and integrations with external data providers (Experian, Equifax, TransUnion, Companies House etc) that underpin our credit decisions. This is not an SRE or DevOps team. Funnel Platform is code and framework focused - building and stewarding the shared services that the rest of engineering depends on.\n\nThe team works hand-in-hand with other teams to build and deliver a shared vision for the future of the platform.\n\n\n\nThe Role\n\nThe Tech Lead role combines individual contribution, line management, and ownership of the platform roadmap. You will lead a team of developers focused on the shared services and frameworks that other iwoca engineering teams build on, driving technical strategy and translating our long-term vision into robust, maintainable systems.\n\nYour mission is \"Making Change Easy\" for the engineering teams that depend on you by owning shared services and being the trusted reviewer for contributions from partner teams, ending conflicts between maintenance and delivery through dedicated ownership.\n\nThis is a hands-on technical leadership role where you will take full ownership of the team's roadmap and provide direct line management to its engineers.\n\n\n\nA balance of delivery, leadership, and influence:\n\n - Act as a hands-on contributor and lead by example in quality, testing, and performance.\n\n - Drive the technical strategy and execution for the Platform team, translating vision into well-designed, robust, and maintainable systems.\n\n - Set direction without a PM - spot the problems worth solving, back them with data, and drive them to delivery.\n\nArchitectural ownership and impact:\n\n - Lead the development of shared frameworks and services that other engineering teams contribute to and build on.\n\n - Collaborate with stakeholders in the commercial funnel teams to build a shared roadmap.\n\n - Own the health of the shared services other teams depend on - spotting emerging issues, reviewing contributions from consuming teams,\n\n - Shape architectural improvements to the shared services over time - measured on developer experience, service health, and reliability, not feature throughput\n\nTeam leadership and management:\n\n - Manage and mentor engineers, taking responsibility for their performance, coaching, and career development.\n\n - Define and champion engineering best practices within your team and across the wider engineering group.\n\n\n\nThe requirements\n\nEssential:\n\n - Experience developing and owning shared backend services that other engineering teams contribute to and depend on - being the trusted reviewer for their contributions and shaping how they build on top of your work.\n\n - Experience building and shaping distributed systems in complex business domains.\n\n - Advanced proficiency in software development.\n\n - Confidence to work closely with partners from other disciplines to challenge assumptions and discover underlying problems.\n\n - Demonstrable leadership skills: you have mentored juniors and inspired teams to deliver cross-functional projects. You can balance hands-on coding with strategic planning.\n\n - You use AI (like Cursor, Claude Code or similar) in your daily flow—whether for work or for fun. You use it to blast through boilerplate and research, so you can focus on the hard parts: complex architecture, rigour, and high-stakes decision-making.\n\nBonus:\n\n - A strong numerical or technical background, ideally with a degree in physics, engineering, maths, computer science or a related field.\n\n - Experience with Python, Django, or PostgreSQL.\n\n - Familiarity with data analytics or machine learning processes.\n\n - Experience with complex data architectures, including event-sourced data models.\n\n\n\nThe salary\n\nWe expect to pay from £90,000 - £120,000 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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap\n\n"},{"id":"dc2fdef7-d5b1-486d-ba77-044f7c44f980","title":"Data Scientist - Broker Flow","department":"Data Science","team":"Data Science","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-13T11:49:31.104+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/dc2fdef7-d5b1-486d-ba77-044f7c44f980","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/dc2fdef7-d5b1-486d-ba77-044f7c44f980/application","descriptionHtml":"Hybrid in London, United Kingdom
We're looking for a Data Scientist to join the Broker Flow team.
You'll own the experiments that shape the journey brokers use to apply on their clients' behalf. Brokers are one of iwoca's main routes to new customers.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
Broker Flow, a new team in iwoca's third-party acquisition department, owns the journey for businesses that come to iwoca through a broker – from before they apply to a completed credit assessment. Its aim is to get more of those businesses to an offer. Broker Terms, a separate team, then sets the price, amount, and duration of each offer.
The team works on three parts of that journey:
Broker engagement. Working with brokers and their clients before an application starts.
The application. Making it smooth to complete, and collecting the data a credit decision needs.
Operations. Running the CRM tools iwoca's teams work in, and automating operational processes.
The team is small and cross-functional – commercial strategy, engineering, design, and data science – and works across the full application stack, from the Broker API to the Introducer Portal brokers use.
The role
As the Data Scientist in Broker Flow, you'll give the team the evidence behind its product decisions. The core of the work is experiment design and causal inference, with modelling and analysis alongside it.
You'll own each project end to end. You'll frame the problem, choose the method, build the model or run the test, and take the answer to the commercial and strategy colleagues who act on it. You'll also meet brokers in person, which gives you the context to ask the right questions. The team is new, so its methods are yours to shape. You'll see the effect of your work in how many businesses reach an offer, and in their lifetime value.
You'll work with data scientists in iwoca's other broker and partner teams, and join the analytics guild – iwoca's data science community – to compare methods and build your expertise. Your results reach the wider business through Learnings, short write-ups that iwoca shares at weekly and fortnightly sessions.
Live project examples:
Refinancing. Modelling which businesses would benefit from refinancing their existing borrowing, and testing a product for them.
Stalled applications. Finding where broker applications stall, and testing fixes – from clearer emails and portal updates to an early offer that encourages document upload.
Reintroductions. Testing the best moment for brokers to bring existing iwoca customers back to borrow.
Approval probability. Measuring how well the estimate brokers see in the Introducer Portal predicts actual credit decisions, and making it more accurate.
Measuring impact. Designing early signals – at sign-up and once documents are in – that predict a business's lifetime value, so the team can judge its changes quickly.
The requirements
Essential:
Statistical foundations. You have a background in probability and statistics from a quantitative field such as mathematics, physics, or statistics. You're comfortable with Bayesian reasoning, and have applied hierarchical models or formal decision-making under uncertainty in real work.
Causal inference and experimentation. You've separated signal from noise in observational and experimental data. You know where A/B testing breaks down and what to reach for instead.
Analytical ownership. You take loosely defined problems from start to finish – framing the question, choosing the method, and landing the answer with the people who act on it.
Data tooling. You're proficient with data manipulation and modelling tools, and with scientific computing libraries.
AI leverage. You've used AI to produce work you couldn't have delivered without it – an analysis pipeline, a prototype, or a tool others use. You judge where it helps and where it doesn't, and you check its output before anyone acts on it.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in commercial and strategy roles.
Bonus:
Modelling depth. You've built or adapted statistical or ML models and can explain the maths behind them.
Stochastic methods. You've used stochastic processes for inference or time-series modelling.
Broker market insight. You've worked with brokers or other intermediaries in lending or financial services.
Coding. You can write code for analysis. The team works in Python.
The salary
We expect to pay from £70,000 to £100,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"DATA SCIENTIST - BROKER FLOW TEAM\n\nHybrid in London, United Kingdom\n\n\n\nWe're looking for a Data Scientist to join the Broker Flow team.\n\nYou'll own the experiments that shape the journey brokers use to apply on their clients' behalf. Brokers are one of iwoca's main routes to new customers.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nBroker Flow, a new team in iwoca's third-party acquisition department, owns the journey for businesses that come to iwoca through a broker – from before they apply to a completed credit assessment. Its aim is to get more of those businesses to an offer. Broker Terms, a separate team, then sets the price, amount, and duration of each offer.\n\nThe team works on three parts of that journey:\n\n - Broker engagement. Working with brokers and their clients before an application starts.\n\n - The application. Making it smooth to complete, and collecting the data a credit decision needs.\n\n - Operations. Running the CRM tools iwoca's teams work in, and automating operational processes.\n\nThe team is small and cross-functional – commercial strategy, engineering, design, and data science – and works across the full application stack, from the Broker API to the Introducer Portal brokers use.\n\n\n\nThe role\n\nAs the Data Scientist in Broker Flow, you'll give the team the evidence behind its product decisions. The core of the work is experiment design and causal inference, with modelling and analysis alongside it.\n\nYou'll own each project end to end. You'll frame the problem, choose the method, build the model or run the test, and take the answer to the commercial and strategy colleagues who act on it. You'll also meet brokers in person, which gives you the context to ask the right questions. The team is new, so its methods are yours to shape. You'll see the effect of your work in how many businesses reach an offer, and in their lifetime value.\n\nYou'll work with data scientists in iwoca's other broker and partner teams, and join the analytics guild – iwoca's data science community – to compare methods and build your expertise. Your results reach the wider business through Learnings, short write-ups that iwoca shares at weekly and fortnightly sessions.\n\nLive project examples:\n\n - Refinancing. Modelling which businesses would benefit from refinancing their existing borrowing, and testing a product for them.\n\n - Stalled applications. Finding where broker applications stall, and testing fixes – from clearer emails and portal updates to an early offer that encourages document upload.\n\n - Reintroductions. Testing the best moment for brokers to bring existing iwoca customers back to borrow.\n\n - Approval probability. Measuring how well the estimate brokers see in the Introducer Portal predicts actual credit decisions, and making it more accurate.\n\n - Measuring impact. Designing early signals – at sign-up and once documents are in – that predict a business's lifetime value, so the team can judge its changes quickly.\n\n\n\nThe requirements\n\nEssential:\n\n - Statistical foundations. You have a background in probability and statistics from a quantitative field such as mathematics, physics, or statistics. You're comfortable with Bayesian reasoning, and have applied hierarchical models or formal decision-making under uncertainty in real work.\n\n - Causal inference and experimentation. You've separated signal from noise in observational and experimental data. You know where A/B testing breaks down and what to reach for instead.\n\n - Analytical ownership. You take loosely defined problems from start to finish – framing the question, choosing the method, and landing the answer with the people who act on it.\n\n - Data tooling. You're proficient with data manipulation and modelling tools, and with scientific computing libraries.\n\n - AI leverage. You've used AI to produce work you couldn't have delivered without it – an analysis pipeline, a prototype, or a tool others use. You judge where it helps and where it doesn't, and you check its output before anyone acts on it.\n\n - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in commercial and strategy roles.\n\nBonus:\n\n - Modelling depth. You've built or adapted statistical or ML models and can explain the maths behind them.\n\n - Stochastic methods. You've used stochastic processes for inference or time-series modelling.\n\n - Broker market insight. You've worked with brokers or other intermediaries in lending or financial services.\n\n - Coding. You can write code for analysis. The team works in Python.\n\n\n\nThe salary\n\nWe expect to pay from £70,000 to £100,000 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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"88de7569-bd9a-48c1-87c5-9b53ad6d0dcf","title":"People Experience Administrator - German speaking","department":"People Operations","team":"People Operations","employmentType":"PartTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-27T11:14:43.423+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/88de7569-bd9a-48c1-87c5-9b53ad6d0dcf","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/88de7569-bd9a-48c1-87c5-9b53ad6d0dcf/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
Hybrid in London, United Kingdom.
We’re looking for a People Experience Administrator
Keep the employee journey running smoothly for iwocans across the UK and Germany. You'll support payroll in both countries, run onboarding and offboarding, and be the first port of call for questions.
The team
The People Operations team's mission is to attract, develop and retain high performers who genuinely love being part of iwoca. The People Experience team handles the nuts and bolts of the entire employee journey, from onboarding and offboarding to background checks and visa paperwork. It looks after HR systems like BambooHR and Peakon, keeps policies up to date, and manages benefits and payroll. The team is the first point of contact for most People Operations questions.
The role
As our People Experience Administrator, you'll be the first point of contact for iwocans and the person who keeps the employee journey running smoothly, from someone's first day to their last.
Supporting payroll across our UK and German teams is a key part of the role, so you'll play a direct part in making sure every iwocan gets paid correctly and on time.
It's a broad, hands-on role at the heart of our People Operations team, with the flexibility to shape your days and hours around your life, so it suits anyone balancing work with other commitments. You'll own your work and be someone the team relies on.
In this role, you'll:
Support the payroll process across our UK and German entities, working with Finance and our People Partners so every iwocan gets paid correctly and on time.
Own the day-to-day running of our UK and German benefits, and be the person iwocans come to when they have a question about them.
Maintain our HR database (BambooHR) through careful data entry and regular audits, keeping people data accurate across both countries.
Coordinate onboarding for every new iwocan, from background checks to new-starter set-up, so their first days run seamlessly.
Run the offboarding process, booking and tracking exit interviews.
Answer iwocans' day-to-day questions, directly or through our ticketing system.
Work across People processes in both the UK and Germany.
The requirements
Ideally 1-3 years' experience in a People Operations or HR administration role.
Fluent in German and English, so you can confidently support our German team and the payroll and benefit administration.
Confident with HR systems (we use BambooHR and Ashby), accurate with data and reporting, and careful with confidential information.
Comfortable working independently and juggling competing priorities.
Comfortable using AI tools in practical ways to work faster and improve the quality of your work, with good judgement about when to use them.
Genuinely excited by the operational side of the People Ops: you love improving processes, driving change, and being at the centre of how things get done.
The salary
We expect to pay from £32,000 - £36,000 for this role in London but, we’re open-minded and want to find the right person for this role, 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 development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\n\nPEOPLE EXPERIENCE ADMINISTRATOR (GERMAN-SPEAKING) - PEOPLE OPERATIONS\n\nHybrid in London, United Kingdom.\n\n\n\nWe’re looking for a People Experience Administrator\n\nKeep the employee journey running smoothly for iwocans across the UK and Germany. You'll support payroll in both countries, run onboarding and offboarding, and be the first port of call for questions. \n\n\n\nThe team\nThe People Operations team's mission is to attract, develop and retain high performers who genuinely love being part of iwoca. The People Experience team handles the nuts and bolts of the entire employee journey, from onboarding and offboarding to background checks and visa paperwork. It looks after HR systems like BambooHR and Peakon, keeps policies up to date, and manages benefits and payroll. The team is the first point of contact for most People Operations questions.\n\n\n\nThe role\n\nAs our People Experience Administrator, you'll be the first point of contact for iwocans and the person who keeps the employee journey running smoothly, from someone's first day to their last.\n\nSupporting payroll across our UK and German teams is a key part of the role, so you'll play a direct part in making sure every iwocan gets paid correctly and on time.\n\nIt's a broad, hands-on role at the heart of our People Operations team, with the flexibility to shape your days and hours around your life, so it suits anyone balancing work with other commitments. You'll own your work and be someone the team relies on.\n\n\n\nIn this role, you'll:\n\n - Support the payroll process across our UK and German entities, working with Finance and our People Partners so every iwocan gets paid correctly and on time.\n\n - Own the day-to-day running of our UK and German benefits, and be the person iwocans come to when they have a question about them.\n\n - Maintain our HR database (BambooHR) through careful data entry and regular audits, keeping people data accurate across both countries.\n\n - Coordinate onboarding for every new iwocan, from background checks to new-starter set-up, so their first days run seamlessly.\n\n - Run the offboarding process, booking and tracking exit interviews.\n\n - Answer iwocans' day-to-day questions, directly or through our ticketing system.\n\n - Work across People processes in both the UK and Germany.\n\n\n\nThe requirements\n\n - Ideally 1-3 years' experience in a People Operations or HR administration role.\n\n - Fluent in German and English, so you can confidently support our German team and the payroll and benefit administration.\n\n - Confident with HR systems (we use BambooHR and Ashby), accurate with data and reporting, and careful with confidential information.\n\n - Comfortable working independently and juggling competing priorities.\n\n - Comfortable using AI tools in practical ways to work faster and improve the quality of your work, with good judgement about when to use them.\n\n - Genuinely excited by the operational side of the People Ops: you love improving processes, driving change, and being at the centre of how things get done.\n\n\n\nThe salary\nWe expect to pay from £32,000 - £36,000 for this role in London but, we’re open-minded and want to find the right person for this role, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"0a30eeb9-ba65-4517-b1ad-31266b3dcac2","title":"Partnerships Manager - M&A Platform","department":"Strategy and Product","team":"Strategy and Product","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-09-17T15:03:38.610+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/0a30eeb9-ba65-4517-b1ad-31266b3dcac2","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/0a30eeb9-ba65-4517-b1ad-31266b3dcac2/application","descriptionHtml":"The company
It's still difficult for business owners to sell their business, or buy others, in the sub-£10m enterprise value market. Information asymmetry, lack of knowledge and low transaction values make it hard, and most M&A firms shy away from the segment because they can't serve it profitably. A generation of owner-managers is approaching retirement, and most of them have no realistic route to a sale.
manda exists to fix that. We match buyers with sellers in the part of the market everyone else ignores, and we finance acquisitions ourselves so buyers arrive pre-qualified and often pre-financed. We've sold the first businesses, funded the first acquisition loans, and we're now opening the platform up beyond the businesses that already bank with us.
manda is part of iwoca, one of Europe's leading fintech lenders. Since 2012 iwoca has provided more than £4 billion in funding and its mission is to support one million SMEs in their defining moments. That backing is why we can serve this market where others can't: a deep footprint in the SME economy with 150,000+ UK customers, the data and infrastructure of an established lender, and the ability to build clean, automated processes instead of running an advisory firm on spreadsheets.
We’re looking for a Partnership Manager - manda (iwoca's M&A Platform)
We're looking for someone to build the introducer network that brings business owners to manda, iwoca's M&A platform. Accountants, solicitors, wealth managers and brokers meet an owner who is thinking about retiring long before we do. Your job is to make sure that when they do they think of us, and that referring us is the easiest thing they do that day.
The role
Your mission is to build a referral channel that produces a steady flow of business owners who are genuinely ready to sell.
Today almost all of our sellers come from iwoca's own customer base, found by hand and worked one at a time. That works, but the pool is finite. The professionals who already advise business owners are the most credible route to the ones we'd otherwise never reach, and right now we have no systematic way of working with them.
You'll be starting from close to nothing, so the first version of this channel is yours to design. It also means the job is as much about making referrals actually arrive as it is about signing partners up.
It also has to scale. In this industry most partner flow still depends on people turning up at industry events, which works but stops the moment you stop showing up. We're after the version of this channel where referring a client to manda takes a couple of clicks inside the software an adviser already uses.
Key responsibilities include:
Build the introducer network
Find and win the firms worth working with: accountancy practices, corporate finance boutiques, solicitors, wealth managers and business transfer agents. Work out which kinds of firm actually refer, and concentrate there.
Do the outbound yourself. Identify the firm, get the meeting, make the case, and follow up until something happens.
Design what we offer them: how a referral is made, what the partner gets, what we commit to in return, and how we keep them informed once their client is with us.
Make referrals actually arrive
A signed partnership is worth nothing until a referral comes through. You'll own the ongoing relationship work that turns agreements into a flow: regular contact, keeping manda front of mind, briefing partner teams, and being the person they call.
Track referral volume and quality by partner, and be honest about which relationships aren't working so we can stop spending time on them.
Make the channel scale
Judge every partnership by whether it adds referrals without adding work. A relationship that only produces when you're in the room isn't a channel yet.
Work out which partner technology is worth plugging into: the practice management and accounting software advisers already work in, tracked referral links and partner portals, and integrations that let a firm refer a client without leaving their own tools. You won't build these yourself, but you'll identify them, make the commercial case, and scope them with our Product Builder.
Look for partners who can bring a book rather than one client at a time. One firm with hundreds of owner-managed clients is worth more to us than ten firms with five, if we can find a way to surface the right candidates across the whole book.
Work iwoca's existing network
iwoca already has a broker network and a partnerships function with relationships across the SME economy. Working out where manda fits into those relationships is far faster than starting cold, and it's the first place to look.
Events and community
Build a focused programme of events worth attending and, where it makes sense, running our own: succession and exit planning, accountancy and adviser events, industry gatherings, and business owner peer communities.
Judge them on referrals rather than attendance, and stop going to the ones that don't produce. Events are how you find and land partners, not how the channel scales.
Prove the channel pays
Establish what a referral actually costs us once your time, any partner incentives and events are counted, and how many convert into a signed mandate. We have an assumption in our financial model and nobody has yet tested it.
The requirements
We look for people who are smart, humble, motivated and who are always looking to improve.
Essential:
Around 4+ years in partnerships, channel or business development, ideally B2B, where you built or substantially grew a referral channel rather than inheriting one that already worked.
You've done the full cycle yourself: identified the target firms, got the meetings, agreed the terms, and then managed the relationship afterwards.
A background in M&A, marketplaces, business broking or business transfer.
You understand that the work starts after the agreement is signed, and you have the discipline to keep a channel warm over months rather than weeks.
Numerate and honest about performance. You track referrals by partner, you know which relationships are producing, and you say so when one isn't.
You think in systems as well as relationships. You can tell the difference between a partnership that scales and one that only works while you're pushing it, and you'd rather replace your own manual work with an integration than defend it.
Comfortable specifying technology without building it. You can look at a partner's tools and our product, work out what would make us the path of least resistance, and scope it clearly enough for a product team to build.
Genuinely hands-on. There's no team to delegate to: you'll build the target list, send the emails, run the meetings and keep the CRM straight yourself.
A commercial thinker with a bias for action, comfortable navigating ambiguity in an early-stage venture.
Bonus:
Experience with accountancy, legal or wealth management channels specifically.
Experience running an event programme with commercial targets attached to it.
Familiarity with the UK succession and exit planning landscape.
Comfortable treating a CRM as a discipline rather than an afterthought, ideally HubSpot.
You've shipped a partner integration, an embedded referral flow or a software marketplace listing, or worked closely with a product team on one.
Familiar with the software UK accountancy practices and advisers actually work in, such as Xero, QuickBooks, Sage, IRIS or Dext.
The salary
We expect to pay £55,000–£80,000 and an annual performance based bonus 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 development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nIt's still difficult for business owners to sell their business, or buy others, in the sub-£10m enterprise value market. Information asymmetry, lack of knowledge and low transaction values make it hard, and most M&A firms shy away from the segment because they can't serve it profitably. A generation of owner-managers is approaching retirement, and most of them have no realistic route to a sale.\n\n\n\nmanda exists to fix that. We match buyers with sellers in the part of the market everyone else ignores, and we finance acquisitions ourselves so buyers arrive pre-qualified and often pre-financed. We've sold the first businesses, funded the first acquisition loans, and we're now opening the platform up beyond the businesses that already bank with us.\n\n\n\nmanda is part of iwoca, one of Europe's leading fintech lenders. Since 2012 iwoca has provided more than £4 billion in funding and its mission is to support one million SMEs in their defining moments. That backing is why we can serve this market where others can't: a deep footprint in the SME economy with 150,000+ UK customers, the data and infrastructure of an established lender, and the ability to build clean, automated processes instead of running an advisory firm on spreadsheets.\n\n\n\nWe’re looking for a Partnership Manager - manda (iwoca's M&A Platform)\n\nWe're looking for someone to build the introducer network that brings business owners to manda, iwoca's M&A platform. Accountants, solicitors, wealth managers and brokers meet an owner who is thinking about retiring long before we do. Your job is to make sure that when they do they think of us, and that referring us is the easiest thing they do that day.\n\n\n\nThe role \n\nYour mission is to build a referral channel that produces a steady flow of business owners who are genuinely ready to sell.\n\n\n\nToday almost all of our sellers come from iwoca's own customer base, found by hand and worked one at a time. That works, but the pool is finite. The professionals who already advise business owners are the most credible route to the ones we'd otherwise never reach, and right now we have no systematic way of working with them.\n\n\n\nYou'll be starting from close to nothing, so the first version of this channel is yours to design. It also means the job is as much about making referrals actually arrive as it is about signing partners up.\n\n\n\nIt also has to scale. In this industry most partner flow still depends on people turning up at industry events, which works but stops the moment you stop showing up. We're after the version of this channel where referring a client to manda takes a couple of clicks inside the software an adviser already uses.\n\n\n\nKey responsibilities include:\n\nBuild the introducer network\n\n - Find and win the firms worth working with: accountancy practices, corporate finance boutiques, solicitors, wealth managers and business transfer agents. Work out which kinds of firm actually refer, and concentrate there.\n\n - Do the outbound yourself. Identify the firm, get the meeting, make the case, and follow up until something happens.\n\n - Design what we offer them: how a referral is made, what the partner gets, what we commit to in return, and how we keep them informed once their client is with us.\n\nMake referrals actually arrive\n\n - A signed partnership is worth nothing until a referral comes through. You'll own the ongoing relationship work that turns agreements into a flow: regular contact, keeping manda front of mind, briefing partner teams, and being the person they call.\n\n - Track referral volume and quality by partner, and be honest about which relationships aren't working so we can stop spending time on them.\n\nMake the channel scale\n\n - Judge every partnership by whether it adds referrals without adding work. A relationship that only produces when you're in the room isn't a channel yet.\n\n - Work out which partner technology is worth plugging into: the practice management and accounting software advisers already work in, tracked referral links and partner portals, and integrations that let a firm refer a client without leaving their own tools. You won't build these yourself, but you'll identify them, make the commercial case, and scope them with our Product Builder.\n\n - Look for partners who can bring a book rather than one client at a time. One firm with hundreds of owner-managed clients is worth more to us than ten firms with five, if we can find a way to surface the right candidates across the whole book.\n\nWork iwoca's existing network\n\n - iwoca already has a broker network and a partnerships function with relationships across the SME economy. Working out where manda fits into those relationships is far faster than starting cold, and it's the first place to look.\n\nEvents and community\n\n - Build a focused programme of events worth attending and, where it makes sense, running our own: succession and exit planning, accountancy and adviser events, industry gatherings, and business owner peer communities.\n\n - Judge them on referrals rather than attendance, and stop going to the ones that don't produce. Events are how you find and land partners, not how the channel scales.\n\nProve the channel pays\n\n - Establish what a referral actually costs us once your time, any partner incentives and events are counted, and how many convert into a signed mandate. We have an assumption in our financial model and nobody has yet tested it.\n\n\n\nThe requirements\n\nWe look for people who are smart, humble, motivated and who are always looking to improve.\n\nEssential:\n\n - Around 4+ years in partnerships, channel or business development, ideally B2B, where you built or substantially grew a referral channel rather than inheriting one that already worked.\n\n - You've done the full cycle yourself: identified the target firms, got the meetings, agreed the terms, and then managed the relationship afterwards.\n\n - A background in M&A, marketplaces, business broking or business transfer.\n\n - You understand that the work starts after the agreement is signed, and you have the discipline to keep a channel warm over months rather than weeks.\n\n - Numerate and honest about performance. You track referrals by partner, you know which relationships are producing, and you say so when one isn't.\n\n - You think in systems as well as relationships. You can tell the difference between a partnership that scales and one that only works while you're pushing it, and you'd rather replace your own manual work with an integration than defend it.\n\n - Comfortable specifying technology without building it. You can look at a partner's tools and our product, work out what would make us the path of least resistance, and scope it clearly enough for a product team to build.\n\n - Genuinely hands-on. There's no team to delegate to: you'll build the target list, send the emails, run the meetings and keep the CRM straight yourself.\n\n - A commercial thinker with a bias for action, comfortable navigating ambiguity in an early-stage venture.\n\nBonus:\n\n - Experience with accountancy, legal or wealth management channels specifically.\n\n - Experience running an event programme with commercial targets attached to it.\n\n - Familiarity with the UK succession and exit planning landscape.\n\n - Comfortable treating a CRM as a discipline rather than an afterthought, ideally HubSpot.\n\n - You've shipped a partner integration, an embedded referral flow or a software marketplace listing, or worked closely with a product team on one.\n\n - Familiar with the software UK accountancy practices and advisers actually work in, such as Xero, QuickBooks, Sage, IRIS or Dext.\n \n \n\nThe salary\n\nWe expect to pay £55,000–£80,000 and an annual performance based bonus 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.\n\n\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"a6a2e25c-e831-43f3-8bc9-233bf0801ead","title":"Growth Associate - M&A Platform","department":"Strategy and Product","team":"Strategy and Product","employmentType":"Contract","location":"London","secondaryLocations":[],"publishedAt":"2026-10-19T19:41:04.947+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/a6a2e25c-e831-43f3-8bc9-233bf0801ead","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/a6a2e25c-e831-43f3-8bc9-233bf0801ead/application","descriptionHtml":"You’re joining manda, iwoca’s M&A platform, at a pivotal moment. After early success working with existing iwoca customers, we’re now turning to the open market to help more business owners exit.
That’s why we’re looking for a Growth Associate to join the team. This is a 6-month fixed-term role for someone smart, hungry and entrepreneurial. With the right traction the role will convert into a permanent role at the forefront of manda’s growth efforts.
Selling a small business is hard. Only one in five UK SME owners has a formal exit plan, yet half are counting on their business to fund their retirement. Below £10m in enterprise value, most M&A advisers can't make the economics work, so a generation of owner-managers is getting ready to step back with no realistic route to a sale.
manda exists to fix that. We match owners with serious buyers, from search funds to private equity, and handle the whole process in one place, including financial due diligence and acquisition finance. Our first sale is done, and we're now opening manda up beyond iwoca's own customers.
manda is part of iwoca, one of Europe's leading fintech lenders, which has provided more than £4 billion in funding to over 150,000 businesses since 2012. That gives us what a traditional adviser doesn't have: a deep footprint in the SME economy, a lender's data and infrastructure, and deals run on clean, automated processes rather than spreadsheets.
You'll report to manda's Venture Lead and work day to day with our Transaction Managers, the dealmakers who run each sale, and our Partnerships Manager, who builds our referral network with accountants, solicitors and wealth managers. You'll also work with iwoca's marketing & sales team and have access to their tools and know-how.
Your mission is to grow the number of businesses manda takes to market, by finding owners who are serious about selling and bringing them into a first meeting with one of our Transaction Managers.
With an ethos of smarter, not louder, you’ll build on iwoca’s existing models to work out which owners are getting ready to sell and which businesses will attract a buyer, then reach them personally by email, LinkedIn and phone. We'd rather approach the right few hundred owners well than the wrong ten thousand badly.
Decide who we contact. Own the target lists and the logic behind them, and keep sharpening them on what actually predicts a seller and a strong business.
Convert interest. Write and send the outreach yourself, follow up with owners who respond, and book them in with a Transaction Manager.
Find what works. Run several experiments at once, back what produces meetings and drop what doesn't. Letters, events and ideas of your own can all earn a place.
Make manda credible. Owners look us up before they reply. Help make sure what they find, from our website to LinkedIn, gives them a reason to get in touch.
You don't need to be a marketer or have years of experience. You need to be smart, resourceful and quick to learn from what isn't working, and to want ownership of something real.
You're entrepreneurial. You've started, sold or built something, even if it was small, and you don't wait for a plan before getting going.
You write well. Your messages are short, clear and human, the kind a busy owner actually answers, and you're just as at ease on the phone with someone who has spent thirty years building their business.
You follow through. A reply that never becomes a meeting is a lead lost.
You're honest about results. You'd rather report a bad week than dress it up.
You're AI-savvy. You use AI to research, personalise and write at a scale one person couldn't otherwise reach, and you automate whatever you find yourself doing twice.
Essential:
Some experience in outreach, sales or growth, whether in an SDR or BDR role, marketing, a startup or a project of your own. Evidence of initiative matters more than a polished CV.
Numerate and analytical. Working out who to contact is as much of this job as contacting them.
Comfortable with rejection. Most owners won't reply, and plenty who do won't be ready yet.
A genuine interest in SMEs, M&A or how businesses change hands.
Based in London and available full-time.
Bonus:
Hands-on with outbound tools such as HubSpot or LinkedIn Sales Navigator.
You've worked to a meetings or pipeline target, and hit it.
Experience building a targeting or lead-scoring model.
This is initially a 6-month fixed-term contract, with a salary of £30,000–£40,000 per annum (pro rata), depending on experience.
While we're starting with a fixed-term contract, our intention is for this to develop into a permanent position. At the end of the six months, we'll review how things have gone, with the opportunity to make the role permanent, expand its responsibilities and revisit the salary to reflect the longer-term scope.
Please include your salary expectations with your application.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"You’re joining manda, iwoca’s M&A platform, at a pivotal moment. After early success working with existing iwoca customers, we’re now turning to the open market to help more business owners exit.\n\nThat’s why we’re looking for a Growth Associate to join the team. This is a 6-month fixed-term role for someone smart, hungry and entrepreneurial. With the right traction the role will convert into a permanent role at the forefront of manda’s growth efforts.\n\n\n\n\nTHE COMPANY\n\nSelling a small business is hard. Only one in five UK SME owners https://www.iwoca.co.uk/news/iwoca-launches-m-a-marketplace has a formal exit plan, yet half are counting on their business to fund their retirement. Below £10m in enterprise value, most M&A advisers can't make the economics work, so a generation of owner-managers is getting ready to step back with no realistic route to a sale.\n\nmanda exists to fix that. We match owners with serious buyers, from search funds to private equity, and handle the whole process in one place, including financial due diligence and acquisition finance. Our first sale is done, and we're now opening manda up beyond iwoca's own customers.\n\nmanda is part of iwoca, one of Europe's leading fintech lenders, which has provided more than £4 billion in funding to over 150,000 businesses since 2012. That gives us what a traditional adviser doesn't have: a deep footprint in the SME economy, a lender's data and infrastructure, and deals run on clean, automated processes rather than spreadsheets.\n\n\n\n\nTHE TEAM\n\nYou'll report to manda's Venture Lead and work day to day with our Transaction Managers, the dealmakers who run each sale, and our Partnerships Manager, who builds our referral network with accountants, solicitors and wealth managers. You'll also work with iwoca's marketing & sales team and have access to their tools and know-how.\n\n\n\n\nTHE ROLE\n\nYour mission is to grow the number of businesses manda takes to market, by finding owners who are serious about selling and bringing them into a first meeting with one of our Transaction Managers.\n\nWith an ethos of smarter, not louder, you’ll build on iwoca’s existing models to work out which owners are getting ready to sell and which businesses will attract a buyer, then reach them personally by email, LinkedIn and phone. We'd rather approach the right few hundred owners well than the wrong ten thousand badly.\n\n - Decide who we contact. Own the target lists and the logic behind them, and keep sharpening them on what actually predicts a seller and a strong business.\n\n - Convert interest. Write and send the outreach yourself, follow up with owners who respond, and book them in with a Transaction Manager.\n\n - Find what works. Run several experiments at once, back what produces meetings and drop what doesn't. Letters, events and ideas of your own can all earn a place.\n\n - Make manda credible. Owners look us up before they reply. Help make sure what they find, from our website to LinkedIn, gives them a reason to get in touch.\n\n\nWHO YOU ARE\n\nYou don't need to be a marketer or have years of experience. You need to be smart, resourceful and quick to learn from what isn't working, and to want ownership of something real.\n\n - You're entrepreneurial. You've started, sold or built something, even if it was small, and you don't wait for a plan before getting going.\n\n - You write well. Your messages are short, clear and human, the kind a busy owner actually answers, and you're just as at ease on the phone with someone who has spent thirty years building their business.\n\n - You follow through. A reply that never becomes a meeting is a lead lost.\n\n - You're honest about results. You'd rather report a bad week than dress it up.\n\n - You're AI-savvy. You use AI to research, personalise and write at a scale one person couldn't otherwise reach, and you automate whatever you find yourself doing twice.\n\n\n\n\nTHE REQUIREMENTS\n\nEssential:\n\n - Some experience in outreach, sales or growth, whether in an SDR or BDR role, marketing, a startup or a project of your own. Evidence of initiative matters more than a polished CV.\n\n - Numerate and analytical. Working out who to contact is as much of this job as contacting them.\n\n - Comfortable with rejection. Most owners won't reply, and plenty who do won't be ready yet.\n\n - A genuine interest in SMEs, M&A or how businesses change hands.\n\n - Based in London and available full-time.\n\nBonus:\n\n - Hands-on with outbound tools such as HubSpot or LinkedIn Sales Navigator.\n\n - You've worked to a meetings or pipeline target, and hit it.\n\n - Experience building a targeting or lead-scoring model.\n\n\nTHE SALARY & CONTRACT\n\nThis is initially a 6-month fixed-term contract, with a salary of £30,000–£40,000 per annum (pro rata), depending on experience.\n\nWhile we're starting with a fixed-term contract, our intention is for this to develop into a permanent position. At the end of the six months, we'll review how things have gone, with the opportunity to make the role permanent, expand its responsibilities and revisit the salary to reflect the longer-term scope.\n\nPlease include your salary expectations with your application.\n\n\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"804dbd5e-48a9-4370-98c2-e8cc7840029e","title":"Software Engineer - BYG","department":"Software Engineering and Tech","team":"Software Engineering and Tech","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-16T10:36:56.776+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/804dbd5e-48a9-4370-98c2-e8cc7840029e","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/804dbd5e-48a9-4370-98c2-e8cc7840029e/application","descriptionHtml":"Hybrid in London, UK
We’re looking for a software engineer
iwoca’s operational tools and processes are a competitive advantage, allowing us to give great customer service, manage risk, and get money into our customers’ hands as quickly as possible.
You’ll join our growing Customer Operations Platform team to help improve the systems that power these processes, building tailored flows for our Operations teams, automating processes using AI, using ML models to make smarter decisions, and improving the reliability of our communication services.
You’ll work closely with our Operations teams, getting user feedback and input on requirements from users working in the same building, and seeing the impact of your changes on the people you work with.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The role
As an engineer you’d take whole projects end to end, work out what' s actually needed, design it, build it and look after it in production.
Responsibility and Autonomy:
Take on complex projects that span many systems and many stakeholders — e.g. CRM, telephony, contact, and task management
Build a strong understanding of the business context: how our ops teams actually work, how the processes you're automating are supposed to run, and what the people relying on your systems need from them.
Do the detailed technical scoping and prototyping that tells us whether an idea is feasible before it reaches the roadmap.
Delivery and Collaboration
Take on complex coding and architecture problems with a high level of ambiguity and technical complexity.
Write fluent technical documents and developer tickets distilling product requirements into clear and actionable technical work.
Build relationships with key stakeholders including Operations Strategy, Credit Analysts, Account Managers, and Collections teams.
Learning and Growth:
Embody our growth mindset mentality by sharing new technologies and best practices within the team as well as more broadly across the company.
The projects
Here are some of the most recent problems we are solving:
iwocaChat. Operations staff spend a large share of their day assembling context from multiple systems before they can help a customer. iwocaChat uses Claude to answer those questions directly, so staff spend their time on the customer rather than the lookup.
Migrating the monolith. We are incrementally moving business logic out of our Django monolith into smaller, independently deployable services. Because it cuts across every domain, you'd be shaping service boundaries and ownership models that stick around long after the monolith is gone.
Inbox messaging reworking. We are replacing our third party email inbox application with an inhouse solution, utilising AI to enable operations staff to automate the actions of our most frequent customer service enquiries.
The requirements
Essential:
Experience developing and owning shared back end services that other engineering teams contribute to and depend on - being the trusted reviewer for their contributions and shaping how they build on top of your work.
Familiarity with front-end technologies (React, TypeScript) and browser debugging.
Experience building and shaping distributed systems in complex business domains.
Ability to translate complex operational needs into technical architecture.
Strong capability using AI tools to automate routine tasks and research, enabling greater focus on complex system architecture and critical technical decision-making.
Bonus:
Commercial experience with Python frameworks like Django.
Experience with complex data architectures, including event-sourced data models.
The salary
We expect to pay from £70,000 - £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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
The offices
We put a lot of effort into making iwoca a brilliant 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.
Useful links:
See iwoca benefits & policies for detail and some additional benefits.
See interview welcome pack to learn more about the process.
Berlin or Frankfurt (Germany)
You'll own iwoca's most strategic partnerships in Germany, from the first conversation with a bank, payment provider or business software platform to a live integration that funds small businesses. Your mission is to bring fast, flexible finance to the places where SMEs already run their business.
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4.5 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The Partner Acquisition Germany team builds the partner channel through which iwoca reaches small businesses in Germany: comparison platforms and brokers, banks, payment providers, business software providers and financial advisors who offer iwoca's finance to their customers at the moment it is needed. The team works with three partnership models, from a co-branded referral link and a partner portal to a full API integration, and measures its success by partners that are live and funding customers.
The team is small and works closely together: the Head of Partner Acquisition Germany, a Strategy & Data Manager who owns market analysis, business cases and the CRM, and the partner managers who own the relationships. The team prioritises partners by strategic fit, works through warm introductions and existing networks wherever possible, and stays close to every new partner until the first customers are funded. It works hand in hand with Relationship Management and the product and engineering teams in London / Berlin / Frankfurt that build the integrations.
This is a senior role with full ownership of the partners you pursue. Three things matter more than anything else: You will qualify before you sell, because the best partnerships begin with a genuine customer need. You know how to activate networks and create warm introductions rather than relying solely on cold outreach. And you consider a deal complete only when the partnership is live, working well and funding its first customers. You'll travel across Germany one to two days a week for face-to-face partner meetings, industry events and trade fairs.
Ownership and impact
Own a portfolio of the highest-value partnership prospects in Germany, from first conversation to signed contract and live integration.
Lead negotiations with founders, managing directors and heads of product or partnerships at banks, payment providers, business software platforms and financial intermediaries.
Design the cooperation model and commercial terms for each partner so that the partnership works for both sides over years, not quarters.
Bring every partner to go-live with a committed internal promoter and a first concrete use case, so that your work turns into funded customers and long-term value.
Autonomy, backed by a dedicated strategy and data function
Spend your time on relationships and deals, with a Strategy & Data Manager who builds target models, business cases and CRM automation alongside you for your prospects and partners.
Own your pipeline end to end and keep it transparent, so that forecasts and decisions rest on input and numbers everyone trusts.
Decide together with the Head of Partner Acquisition which segments and partners you pursue and where you say no.
Influence on product and strategy
Feed what you learn from partners directly into our partnership models, the integration roadmap and the go-to-market plan for Germany.
Shape the activation playbook for new partners and the handover to Key Account Management together with the Head of Business Development.
Represent iwoca at the industry events, trade fairs and partner roundtables that matter for SME finance in Germany.
Essential:
At least five years of experience in B2B partnerships, business development or key account management in fintech, banking, payments or business software. You can show a proven track record of closing complex deals with six to twelve month sales cycles at C-Level, founder, board or head-of-department level.
A working understanding of how a financing product is integrated into a partner's platform: APIs, embedded finance and how a partner's customer data can be used in the application journey. You won't build integrations yourself (our engineering teams do that), but you need to lead that conversation credibly.
Native-level German and professional English.
Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
Bonus:
An existing network among German banks, payment providers, brokers or business software platforms.
Experience with lending, working capital or other financial products for small businesses.
Experience managing a partner pipeline in HubSpot and using data to prioritise targets.
Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.
We expect to pay from €70,000 - €85,000 base salary plus a performance-related bonus 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.
At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
A smart, motivated and international team (we represent over 35 different nationalities) with a ridiculous growth-mindset.
26 days of vacation a year plus a free day for your birthday.
One-month fully paid sabbatical after 4 years.
Mental health support with direct access to certified psychologists via our partner OpenUp.
iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
€30 contribution towards the Deutschlandticket.
Company Pension with Canada Life.
Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
Corporate Benefits discounts.
’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone, including a book budget.
Learning German budget.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Useful links:
See iwoca benefits & policies https://coda.io/@iwocade/iwoca-benefits-policies-de for detail and some additional benefits.
See iwoca interview welcome pack https://coda.io/@iwocade/iwoca-interview-welcome-pack-de.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
Hybrid in Berlin or London
We’re looking for a Growth Product Manager
Own the systems that decide which German businesses iwoca reaches, and the journey they take from first click to submitted loan application. You’ll join a team that is still being built, with a data scientist in place and engineers being hired in parallel. A good fit if you like working from first principles, and would rather run an experiment than win an argument.
The team
The DE Acquisition Tech team builds the systems behind how German businesses discover iwoca and apply for funding: the models that decide which businesses to approach, the eligibility checks that tell a business early whether iwoca can help, and the signup flow itself. Product, analytics, data science and engineering sit in the same squad by design, so the team can go from hypothesis to shipped change without waiting on anyone else. The German marketing and sales teams depend on this work: the team’s models decide who they contact, and its journeys decide how many of those businesses convert.
The team is being built right now. It currently includes a data scientist, and we’re hiring engineers in parallel – so you would join early enough to shape how the team operates.
The role
This role sits between iwoca’s German commercial teams – marketing, sales and commercial strategy – and the technical squad that builds for them. Reporting into the Head of Direct Acquisition, you will own acquisition and activation outcomes for the German market: finding the opportunities, defining the hypotheses, and working with engineering, data, marketing and sales to build, test and iterate.
The scope is broad. We’re not looking for someone with deep expertise in every domain the team covers – spanning product development, analytics, UX and data science – but rather someone intellectually curious, and skilled at asking the right questions.
Own the funnel from first visit to application
Own every step of that journey, including the signup flow itself and the eligibility checks inside it.
Set the roadmap for acquisition and the signup journey, and decide what the squad builds next.
Own the scoring and segmentation that decides where marketing spends and who sales calls first.
Build with your technical squad
Ship lead scoring systems, eligibility checkers and signup flows with the team’s data scientist and the engineers we’re hiring.
Rework website content, signup flows and decisioning logic with marketing and sales, to convert more of the businesses that already reach iwoca.
Strip friction out of the signup journey, so that applying for funding takes minutes rather than an afternoon.
Be the first call when the numbers look wrong
Act as the technical partner for German marketing, sales and channel management on attribution, tracking and data pipeline problems.
Investigate and resolve data quality issues – broken dashboards, misattributed traffic, unexplained volume changes – often at short notice.
Give channel managers access to, and guidance on, the attribution logic behind their numbers.
Keep the tracking and attribution systems trustworthy, so every decision downstream rests on numbers the team believes.
Run the experiments that decide what ships
Design, run and interpret A/B tests across messaging, targeting, eligibility checks and signup flows.
Find opportunities from first principles, backed by data, customer research and funnel analysis.
Shape how a new team works
Direct the squad’s work day to day: brief the data scientist and engineers, set priorities, and turn their models into shipped products.
Define the priorities, roles and rituals of a team that is still being built.
Lead cross-functional initiatives with marketing and sales, aligning them with engineering and data on shared goals, hypotheses and success metrics.
Turn the commercial strategy team’s goals into testable hypotheses and briefs the squad can act on.
The requirements
Essential:
Experience as a product manager, growth product manager, or in a role with clear ownership of product-led growth outcomes.
Strong analytical capability and experience with experimentation frameworks and A/B testing tools.
Hands-on experience with tracking and attribution setups, such as Amplitude, GA4, GTM, server-side tagging or conversion feedback into ad platforms.
Able to act as the product voice on modelling work – challenging assumptions and turning model output into decisions, without building the models yourself.
Strong capability using AI tools, including structured prompting and iterative AI interaction to problem solve and increase productivity.
Bonus:
Experience in fintech, lending, B2B SaaS, or regulated products.
Experience working with data science teams or involvement in modelling projects.
Fluency in German and strong written communication skills tailored to customer-facing environments.
Knowledge of the German SME ecosystem or B2B financial products.
Experience working in or helping build newly formed teams.
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 development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nHybrid in Berlin or London\n\nWe’re looking for a Growth Product Manager\n\nOwn the systems that decide which German businesses iwoca reaches, and the journey they take from first click to submitted loan application. You’ll join a team that is still being built, with a data scientist in place and engineers being hired in parallel. A good fit if you like working from first principles, and would rather run an experiment than win an argument.\n\n\n\nThe team\n\nThe DE Acquisition Tech team builds the systems behind how German businesses discover iwoca and apply for funding: the models that decide which businesses to approach, the eligibility checks that tell a business early whether iwoca can help, and the signup flow itself. Product, analytics, data science and engineering sit in the same squad by design, so the team can go from hypothesis to shipped change without waiting on anyone else. The German marketing and sales teams depend on this work: the team’s models decide who they contact, and its journeys decide how many of those businesses convert.\n\nThe team is being built right now. It currently includes a data scientist, and we’re hiring engineers in parallel – so you would join early enough to shape how the team operates.\n\n\n\nThe role\n\nThis role sits between iwoca’s German commercial teams – marketing, sales and commercial strategy – and the technical squad that builds for them. Reporting into the Head of Direct Acquisition, you will own acquisition and activation outcomes for the German market: finding the opportunities, defining the hypotheses, and working with engineering, data, marketing and sales to build, test and iterate.\n\nThe scope is broad. We’re not looking for someone with deep expertise in every domain the team covers – spanning product development, analytics, UX and data science – but rather someone intellectually curious, and skilled at asking the right questions.\n\n\n\nOwn the funnel from first visit to application\n\n - Own every step of that journey, including the signup flow itself and the eligibility checks inside it.\n\n - Set the roadmap for acquisition and the signup journey, and decide what the squad builds next.\n\n - Own the scoring and segmentation that decides where marketing spends and who sales calls first.\n\n\n\nBuild with your technical squad\n\n - Ship lead scoring systems, eligibility checkers and signup flows with the team’s data scientist and the engineers we’re hiring.\n\n - Rework website content, signup flows and decisioning logic with marketing and sales, to convert more of the businesses that already reach iwoca.\n\n - Strip friction out of the signup journey, so that applying for funding takes minutes rather than an afternoon.\n\nBe the first call when the numbers look wrong\n\n - Act as the technical partner for German marketing, sales and channel management on attribution, tracking and data pipeline problems.\n\n - Investigate and resolve data quality issues – broken dashboards, misattributed traffic, unexplained volume changes – often at short notice.\n\n - Give channel managers access to, and guidance on, the attribution logic behind their numbers.\n\n - Keep the tracking and attribution systems trustworthy, so every decision downstream rests on numbers the team believes.\n\n\n\nRun the experiments that decide what ships\n\n - Design, run and interpret A/B tests across messaging, targeting, eligibility checks and signup flows.\n\n - Find opportunities from first principles, backed by data, customer research and funnel analysis.\n\n\n\nShape how a new team works\n\n - Direct the squad’s work day to day: brief the data scientist and engineers, set priorities, and turn their models into shipped products.\n\n - Define the priorities, roles and rituals of a team that is still being built.\n\n - Lead cross-functional initiatives with marketing and sales, aligning them with engineering and data on shared goals, hypotheses and success metrics.\n\n - Turn the commercial strategy team’s goals into testable hypotheses and briefs the squad can act on.\n\n\n\nThe requirements\n\nEssential:\n\n - Experience as a product manager, growth product manager, or in a role with clear ownership of product-led growth outcomes.\n\n - Strong analytical capability and experience with experimentation frameworks and A/B testing tools.\n\n - Hands-on experience with tracking and attribution setups, such as Amplitude, GA4, GTM, server-side tagging or conversion feedback into ad platforms.\n\n - Able to act as the product voice on modelling work – challenging assumptions and turning model output into decisions, without building the models yourself.\n\n - Strong capability using AI tools, including structured prompting and iterative AI interaction to problem solve and increase productivity.\n\nBonus:\n\n - Experience in fintech, lending, B2B SaaS, or regulated products.\n\n - Experience working with data science teams or involvement in modelling projects.\n\n - Fluency in German and strong written communication skills tailored to customer-facing environments.\n\n - Knowledge of the German SME ecosystem or B2B financial products.\n\n - Experience working in or helping build newly formed teams.\n\n\n\nThe salary\n\nWe 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.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"8a193ced-5746-4e4c-a8f1-92c39903564e","title":"Senior Performance Marketing Manager (Paid Social)","department":"Marketing, PR and Communications ","team":"Marketing, PR and Communications ","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-09-25T17:05:57.055+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/8a193ced-5746-4e4c-a8f1-92c39903564e","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/8a193ced-5746-4e4c-a8f1-92c39903564e/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
The Direct Acquisition team at iwoca is responsible for acquiring customers profitably across paid and organic channels. Paid Social is one of our highest-growth channels; we've validated the opportunity, proven incrementality, and scaled from test budgets to six-figure monthly spend across Meta and TikTok. Now we need to build on those foundations and scale toward a 3x growth ambition across a multi-product offering that includes both flexi-loans and credit cards.
You'll join a team that:
Takes measurement seriously: We run conversion lift studies, work closely with data science on attribution, and make budget decisions based on predicted and incremental ROI, not vanity metrics.
Cares deeply about creative: We believe the ad is the targeting, and we're building a creative engine that spans creator partnerships, UGC, and AI-assisted production.
Is genuinely AI-native: We use AI tools daily for analysis, creative development, and workflow automation, and we expect you to do the same.
The role
Paid Social at iwoca is working; we've proven the channel's incremental value, scaled to six-figure monthly spend, and built the measurement infrastructure to back it up. But there's a lot more to go after with a credit card to bring to market, a creative engine to build, and a lot of room still to scale. The remit is broad - you'll scale the channel, bring our credit card to market and grow it aggressively alongside our core lending product. You'll invest heavily in creative - particularly video and influencer marketing - building ads that actually cut through in a category where most ads look the same.
Key responsibilities include:
Strategy & Campaign Architecture
Own Paid Social as a channel: set the vision, define the road map, allocate budget, and report on performance to leadership.
Bring our credit card product to market through paid social: build the campaign strategy, creative approach, and measurement framework for a major product launch.
Architect full-funnel structures across Meta, TikTok and LinkedIn - awareness, prospecting, lead capture, re-targeting, and conversion - with clear success metrics, audience hand-offs, and frequency management at each stage.
Manage multi-product overlap: flexi-loans, credit cards, and other products share audiences but serve different customer needs.
Expand audience reach through content-led lead capture campaigns targeting out-of-market prospects to fuel top-of-funnel growth.
Scale into new platforms where there's genuine opportunity; we’ve validated a significant opportunity on TikTok, but other platforms such as Linkedin and Youtube Shorts remain largely untapped.
Creative Strategy & Production
Develop creative that actually stands out: paid social in financial services is full of generic stock imagery and safe messaging. We want you to push beyond that, finding the concepts, formats, and creators that people actually notice.
Make a significant investment in video and influencer marketing: build relationships with creators who can speak authentically about business finance, and develop a pipeline that delivers volume without it becoming generic.
Build a testing framework that connects creative concepts to commercial outcomes
Partner with the Brand team to make sure performance and brand creative reinforce each other rather than pulling in different directions.
Measurement & Incrementality
Design, run, and turn conversion lift studies and geo-lift tests into investment cases that prove incremental value and justify budget expansion.
Partner with Data Science and the Acquitech team on attribution methodology, event architecture, and multi-step conversion tracking.
Extend testing beyond ad platforms to landing page experiments and signup flow improvements to reduce drop-off between click and conversion.
Leadership & Stakeholder Management
Manage and develop a Performance Marketing Executive, coaching them on strategic thinking and commercial analysis while delegating clear operational ownership.
Partner with Data Science, Engineering, Compliance, and Brand teams, while getting genuine strategic value from Meta and TikTok platform reps.
The requirements
Mechanically curious: You understand why platforms work the way they do, stay updated on algorithmic changes, and have an industry network for shared learning.
High-initiative: You define experiments, draft business cases, and drive projects forward without waiting for explicit briefs.
Analytically self-sufficient: You pull your own data, build your own performance views, and think in terms of CLTV, ROI, and marginal returns.
AI-native: You already use AI tools meaningfully in your work - whether for creative analysis, reporting, workflow automation, or something we haven't thought of.
Commercially minded: You care about profitable customer acquisition and lifetime value.
What You Bring:
Proven track record of scaling paid social budgets based on measured commercial performance.
Deep campaign architecture expertise on Meta (bidding strategies, audience signals, and creative interaction).
Experience with multi-product, multi-market and value-based bidding models.
Strategic creative capability connecting concepts to commercial hypotheses.
Nice to Have:
B2B paid social experience (or strong analytical background in B2C).
Experience managing or coaching junior team members.
Fluency in measurement and incrementality (conversion lift studies, holdout methodologies, and incremental value).
Hands-on experience with TikTok advertising at scale.
Fintech or financial services background.
The compensation
£70,000 - £90,000 (bench marked regularly with quarterly performance reviews).
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nThe Direct Acquisition team at iwoca is responsible for acquiring customers profitably across paid and organic channels. Paid Social is one of our highest-growth channels; we've validated the opportunity, proven incrementality, and scaled from test budgets to six-figure monthly spend across Meta and TikTok. Now we need to build on those foundations and scale toward a 3x growth ambition across a multi-product offering that includes both flexi-loans and credit cards.\n\n\n\nYou'll join a team that:\n\n - Takes measurement seriously: We run conversion lift studies, work closely with data science on attribution, and make budget decisions based on predicted and incremental ROI, not vanity metrics.\n\n - Cares deeply about creative: We believe the ad is the targeting, and we're building a creative engine that spans creator partnerships, UGC, and AI-assisted production.\n\n - Is genuinely AI-native: We use AI tools daily for analysis, creative development, and workflow automation, and we expect you to do the same.\n\n\n\nThe role\n\nPaid Social at iwoca is working; we've proven the channel's incremental value, scaled to six-figure monthly spend, and built the measurement infrastructure to back it up. But there's a lot more to go after with a credit card to bring to market, a creative engine to build, and a lot of room still to scale. The remit is broad - you'll scale the channel, bring our credit card to market and grow it aggressively alongside our core lending product. You'll invest heavily in creative - particularly video and influencer marketing - building ads that actually cut through in a category where most ads look the same.\n\nKey responsibilities include:\n\nStrategy & Campaign Architecture\n\n - Own Paid Social as a channel: set the vision, define the road map, allocate budget, and report on performance to leadership.\n\n - Bring our credit card product to market through paid social: build the campaign strategy, creative approach, and measurement framework for a major product launch.\n\n - Architect full-funnel structures across Meta, TikTok and LinkedIn - awareness, prospecting, lead capture, re-targeting, and conversion - with clear success metrics, audience hand-offs, and frequency management at each stage.\n\n - Manage multi-product overlap: flexi-loans, credit cards, and other products share audiences but serve different customer needs.\n\n - Expand audience reach through content-led lead capture campaigns targeting out-of-market prospects to fuel top-of-funnel growth.\n\n - Scale into new platforms where there's genuine opportunity; we’ve validated a significant opportunity on TikTok, but other platforms such as Linkedin and Youtube Shorts remain largely untapped.\n\nCreative Strategy & Production\n\n - Develop creative that actually stands out: paid social in financial services is full of generic stock imagery and safe messaging. We want you to push beyond that, finding the concepts, formats, and creators that people actually notice.\n\n - Make a significant investment in video and influencer marketing: build relationships with creators who can speak authentically about business finance, and develop a pipeline that delivers volume without it becoming generic.\n\n - Build a testing framework that connects creative concepts to commercial outcomes\n\n - Partner with the Brand team to make sure performance and brand creative reinforce each other rather than pulling in different directions.\n\nMeasurement & Incrementality\n\n - Design, run, and turn conversion lift studies and geo-lift tests into investment cases that prove incremental value and justify budget expansion.\n\n - Partner with Data Science and the Acquitech team on attribution methodology, event architecture, and multi-step conversion tracking.\n\n - Extend testing beyond ad platforms to landing page experiments and signup flow improvements to reduce drop-off between click and conversion.\n\nLeadership & Stakeholder Management\n\n - Manage and develop a Performance Marketing Executive, coaching them on strategic thinking and commercial analysis while delegating clear operational ownership.\n\n - Partner with Data Science, Engineering, Compliance, and Brand teams, while getting genuine strategic value from Meta and TikTok platform reps.\n\n\n\nThe requirements\n\n - Mechanically curious: You understand why platforms work the way they do, stay updated on algorithmic changes, and have an industry network for shared learning.\n\n - High-initiative: You define experiments, draft business cases, and drive projects forward without waiting for explicit briefs.\n\n - Analytically self-sufficient: You pull your own data, build your own performance views, and think in terms of CLTV, ROI, and marginal returns.\n\n - AI-native: You already use AI tools meaningfully in your work - whether for creative analysis, reporting, workflow automation, or something we haven't thought of.\n\n - Commercially minded: You care about profitable customer acquisition and lifetime value.\n\nWhat You Bring:\n\n - Proven track record of scaling paid social budgets based on measured commercial performance.\n\n - Deep campaign architecture expertise on Meta (bidding strategies, audience signals, and creative interaction).\n\n - Experience with multi-product, multi-market and value-based bidding models.\n\n - Strategic creative capability connecting concepts to commercial hypotheses.\n\nNice to Have:\n\n - B2B paid social experience (or strong analytical background in B2C).\n\n - Experience managing or coaching junior team members.\n\n - Fluency in measurement and incrementality (conversion lift studies, holdout methodologies, and incremental value).\n\n - Hands-on experience with TikTok advertising at scale.\n\n - Fintech or financial services background.\n\n\n\nThe compensation \n\n£70,000 - £90,000 (bench marked regularly with quarterly performance reviews).\n\n\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"a47e8b87-e58d-4515-9387-ac971c206bb8","title":"Technical Recruiter","department":"People Operations","team":"People Operations","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-02T16:38:33.784+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/a47e8b87-e58d-4515-9387-ac971c206bb8","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/a47e8b87-e58d-4515-9387-ac971c206bb8/application","descriptionHtml":"Hybrid in London, United Kingdom
We’re looking for a Technical Recruiter.
You'll hire exceptional people and help build high-performing engineering, data science, and product teams – shaping hiring decisions with data and collaborating on our tech hiring strategy.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
The Tech Talent team hires for iwoca's Tech, Analytics, and Product (TAP) functions – we own the briefs, the sourcing, the assessment, and the standards. We're a team of three, part of a broader talent team of eight, hiring across TAP (around 200 people and growing). Heads of Engineering, Data, and Product rely on us to shape hiring direction, and our work directly impacts the teams who build our products, systems, and customer experience.
We focus on high-calibre talent – people who raise the bar and improve the teams they join. Data and structure keep our hiring objective and measured, and we share knowledge and challenge each other's thinking to raise standards.
We use Ashby as our ATS, LinkedIn Recruiter and Welcome to the Jungle for sourcing, and several tech-specific job boards for advertising, with Claude as our main AI tool.
The role
As a Technical Recruiter, you'll focus on engineering, data science, and product roles through discovery, calibration, and execution. You'll solve hiring problems from first principles, with reasoning that is defensible.
Discovery and judgement. You'll shape role briefs with hiring managers, weighing trade-offs between seniority, scope, skill mix, and what the market will realistically supply. You'll change the process when it doesn't match the role.
Sourcing and candidate standards. You'll run outbound sourcing across software engineering, data science, strategy and product, mapping the market and designing outreach that candidates actually reply to. You'll calibrate what good looks like in panel debriefs, and tune the candidate experience to the role.
Scale and measurement. You'll run a feedback loop on your own work – scoring recommendations against frameworks, tracking passthrough rates, and calibrating against downstream interviewer feedback. Each cycle sharpens your judgement. You'll build the workflows and prompts that scale you and the team, and keep Ashby accurate so colleagues can self-serve pipeline data.
Experimentation and improvement. You'll experiment with hiring methods – AI tools, outreach formats, job description iterations – and judge what's worth adopting. You'll balance this with delivering your roles.
Autonomy and growth. You'll run your roles end-to-end from day one, with the expectation of growing into a domain expert – defining what good looks like, developing hiring strategy, and advising stakeholders on high-impact decisions.
The requirements
Essential:
Technical hiring. You've recruited software engineers, and you can assess engineering CVs on specialism, seniority, credibility, and relevance.
Sourcing. You’ve run outbound sourcing campaigns. You build market maps, test outreach approaches, and reach candidates who wouldn't apply directly.
Judgement. You prioritise where you spend your time – which candidates, which roles, which methods. You adjust to new evidence, and you can explain your reasoning clearly.
Make stuff happen. You take initiative, keep it moving, and have a bias for action.
Communication. You write and speak clearly, directly, and concisely. You explain complex trade-offs in plain terms.
Technical fluency. You treat tools and systems as figure-out-able, and pick up new tech fast. You use AI and judge its output critically.
Bonus:
Analytical mindset. You think systematically and methodically. You gather data, seek feedback, and adapt to new evidence.
Data science hiring. You've hired data scientists working on applied machine learning; probabilistic models for decision-making.
Product or strategy hiring. You've hired for product or strategy roles in tech companies where analytical thinking is central.
Privacy standards. You understand candidate data standards – GDPR, data minimisation, handling personal data. You treat candidate information as sensitive by default.
The salary
We expect to pay from £50,000 to £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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"TECHNICAL RECRUITER\n\nHybrid in London, United Kingdom\n\n\n\nWe’re looking for a Technical Recruiter.\n\nYou'll hire exceptional people and help build high-performing engineering, data science, and product teams – shaping hiring decisions with data and collaborating on our tech hiring strategy.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nThe Tech Talent team hires for iwoca's Tech, Analytics, and Product (TAP) functions – we own the briefs, the sourcing, the assessment, and the standards. We're a team of three, part of a broader talent team of eight, hiring across TAP (around 200 people and growing). Heads of Engineering, Data, and Product rely on us to shape hiring direction, and our work directly impacts the teams who build our products, systems, and customer experience.\n\nWe focus on high-calibre talent – people who raise the bar and improve the teams they join. Data and structure keep our hiring objective and measured, and we share knowledge and challenge each other's thinking to raise standards.\n\nWe use Ashby as our ATS, LinkedIn Recruiter and Welcome to the Jungle for sourcing, and several tech-specific job boards for advertising, with Claude as our main AI tool.\n\n\n\nThe role\n\nAs a Technical Recruiter, you'll focus on engineering, data science, and product roles through discovery, calibration, and execution. You'll solve hiring problems from first principles, with reasoning that is defensible.\n\n - Discovery and judgement. You'll shape role briefs with hiring managers, weighing trade-offs between seniority, scope, skill mix, and what the market will realistically supply. You'll change the process when it doesn't match the role.\n\n - Sourcing and candidate standards. You'll run outbound sourcing across software engineering, data science, strategy and product, mapping the market and designing outreach that candidates actually reply to. You'll calibrate what good looks like in panel debriefs, and tune the candidate experience to the role.\n\n - Scale and measurement. You'll run a feedback loop on your own work – scoring recommendations against frameworks, tracking passthrough rates, and calibrating against downstream interviewer feedback. Each cycle sharpens your judgement. You'll build the workflows and prompts that scale you and the team, and keep Ashby accurate so colleagues can self-serve pipeline data.\n\n - Experimentation and improvement. You'll experiment with hiring methods – AI tools, outreach formats, job description iterations – and judge what's worth adopting. You'll balance this with delivering your roles.\n\n - Autonomy and growth. You'll run your roles end-to-end from day one, with the expectation of growing into a domain expert – defining what good looks like, developing hiring strategy, and advising stakeholders on high-impact decisions.\n\n\n\nThe requirements\n\nEssential:\n\n - Technical hiring. You've recruited software engineers, and you can assess engineering CVs on specialism, seniority, credibility, and relevance.\n\n - Sourcing. You’ve run outbound sourcing campaigns. You build market maps, test outreach approaches, and reach candidates who wouldn't apply directly.\n\n - Judgement. You prioritise where you spend your time – which candidates, which roles, which methods. You adjust to new evidence, and you can explain your reasoning clearly.\n\n - Make stuff happen. You take initiative, keep it moving, and have a bias for action.\n\n - Communication. You write and speak clearly, directly, and concisely. You explain complex trade-offs in plain terms.\n\n - Technical fluency. You treat tools and systems as figure-out-able, and pick up new tech fast. You use AI and judge its output critically.\n\nBonus:\n\n - Analytical mindset. You think systematically and methodically. You gather data, seek feedback, and adapt to new evidence.\n\n - Data science hiring. You've hired data scientists working on applied machine learning; probabilistic models for decision-making.\n\n - Product or strategy hiring. You've hired for product or strategy roles in tech companies where analytical thinking is central.\n\n - Privacy standards. You understand candidate data standards – GDPR, data minimisation, handling personal data. You treat candidate information as sensitive by default.\n\n\n\nThe salary\n\nWe expect to pay from £50,000 to £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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk.\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap.\n\n - CV writing guidance https://coda.io/@iwocauk/interview-welcome-pack-tap/cv-writing-14."},{"id":"55900a63-ac97-4b8a-abb5-7cd12147fde1","title":"Data Privacy Manager - Privacy & AI - Germany","department":"Finance, Legal and Compliance","team":"Finance, Legal and Compliance","employmentType":"FullTime","location":"Berlin","secondaryLocations":[{"location":"Frankfurt","address":{"postalAddress":{"addressRegion":"Hessen","addressCountry":"Germany","addressLocality":"Frankfurt"}}}],"publishedAt":"2026-09-28T14:07:36.974+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"","addressRegion":"BE","addressCountry":"DE","addressLocality":"Berlin"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/55900a63-ac97-4b8a-abb5-7cd12147fde1","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/55900a63-ac97-4b8a-abb5-7cd12147fde1/application","descriptionHtml":"Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4.5 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The DE Compliance team is an autonomous group of specialists dedicated to ensuring iwoca remains a safe, compliant, and trusted financing partner for German SMEs and a trusted business partner for the financial advisors, banks, platforms and other institutions we are working with. Operating in an agile environment, the team works at the intersection of technology, risk, and privacy regulation - collaborating closely with Tech, Data, Legal, Operations, and our external Data Protection Officer (DPO).
We act as the primary centre of expertise for data privacy and AI compliance governance, advising internal stakeholders to ensure our products and automated decisioning tools stay ahead of evolving legal frameworks like the GDPR and EU AI Act while enabling seamless commercial growth.
As Data Privacy Manager (Privacy & AI), you will help drive iwoca Germany's day-to-day data protection framework and support the business in applying GDPR, BDSG and emerging AI governance requirements in practice.
This is a hands-on role combining privacy operations, regulatory assessments and close collaboration with business and technology teams.
Impact and Influence
Data Privacy Policy Governance: proactively formulate, refine, and maintain internal data protection policies and governance standards to establish a scalable GDPR compliance framework aligned with evolving regulatory requirements.
Data Privacy Risk & Operations: drive end-to-end privacy risk management by proactively evaluating company’s data pipelines, core software platforms and AI workflows, while executing Data Protection Impact Assessments (DPIAs), Legitimate Interest Assessments (LIAs) or other privacy assessments to embed privacy-by-design into new technologies and/or vendor integrations.
Innovation & Automation: innovate core privacy operations - including Data Subject Access Requests (DSAR) intake and fulfillment, RoPA updates, and DPA reviews - by implementing automated workflows to streamline compliance and build a modern data governance function while eliminating unnecessary friction.
Data Strategy & AI Governance: Formulate and adapt privacy and AI governance strategies to align with evolving European regulations incl. EU AI Act, balancing regulatory compliance with business innovation.
Data Privacy AI Risk & Safety Mitigation: Proactively evaluate and mitigate AI-specific data protection risks, including algorithmic bias, model hallucinations, automated decision-making and others.
Reporting & Governance: define and implement regular privacy and AI compliance reporting for senior stakeholders.
Innovation and Collaboration
DPO Cooperation: serve as the primary operational liaison to our external Data Protection Officer (DPO).
Stakeholder Alignment: partner with Product, Legal, Tech and Ops teams on privacy-related projects or questions.
Vendor Privacy Governance: lead the privacy and regulatory due diligence for external vendors, establishing guardrails for data processing, model transparency, GDPR and EU AI Act compliance.
Training: support internal privacy and AI compliance awareness initiatives.
Essential:
Qualified as a Wirtschaftsjurist*in, Datenschutzmanager*in or Compliance professional with 2-4+ years of hands-on experience in data protection, privacy operations, or a closely related legal/regulatory function with strong practical GDPR expertise; direct exposure to AI compliance or governance (e.g., in EU AI Act readiness) is desirable.
Regulatory Knowledge: Strong practical understanding of GDPR and data protection requirements. Familiarity with the EU AI Act and emerging AI governance requirements is desirable, with the ability to translate legal mandates into operational compliance structures.
Assessments & Risk Management: Practical experience conducting Data Protection Impact Assessments (DPIAs), Legitimate Interest Assessments (LIAs), and AI risk classifications.
Operations & Tools: Hands-on experience managing operational privacy workflows - including DSARs (Data Subject Access Requests), RoPA (Record of Processing Activities) maintenance, and Data Protection Agreements reviews - using automated compliance tools or platforms.
Mindset & Team Collaboration: A proactive, solution-oriented mindset with the ability to bridge the gap between Legal, Product, and Engineering teams in agile environments.
Language Skills: Professional fluency (C1/C2) in both German and English (written and spoken).
Bonus:
Sector Experience: Prior experience in European fintech, ideally within the digital lending or credit sector.
Privacy or AI Certifications: Recognized industry credentials (for example CIPP/E, TÜV DPO, CIPM, IAPP AIGP etc.).
Technical & Regulatory Knowledge: Familiarity with intersecting EU regulations such as DORA, NIS2, or the Data Act.
We expect to pay from €70,000 - €85,000 base salary plus a performance-related bonus 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.
At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
A smart, motivated and international team (we represent over 35 different nationalities) with a ridiculous growth-mindset.
26 days of vacation a year plus a free day for your birthday.
One-month fully paid sabbatical after 4 years.
Mental health support with direct access to certified psychologists via our partner OpenUp.
iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
€30 contribution towards the Deutschlandticket.
Company Pension with Canada Life.
Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
Corporate Benefits discounts.
’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone, including a book budget.
Learning German budget.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.
Useful links:
See iwoca benefits & policies https://coda.io/@iwocade/iwoca-benefits-policies-de for detail and some additional benefits.
See iwoca interview welcome pack https://coda.io/@iwocade/iwoca-interview-welcome-pack-de.
Hybrid in London or remote within the UK
We’re looking for a Backend Engineer
You'll be the first engineer on the German side of Acquisition Tech, owning the customer acquisition systems that decide which small businesses iwoca reaches and how they convert.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
The Acquisition Tech team owns how iwoca reaches German small businesses – across paid advertising, SEO, social media, direct mail, and outbound sales – and how they become customers. The data and models behind every channel sit with the team.
You'll report to the engineering lead for iwoca's German market, based in London alongside the rest of the technical team. Day to day you'll work with a product manager and a data scientist in London, plus commercial strategy, marketing, and sales – some of whom sit in Germany.
You'll be the only engineer on the German side of acquisition, working in iwoca's UK Acquisition Tech team's codebase. You'll work with their engineers on code reviews and design decisions.
The role
You'll build the backend behind iwoca's German acquisition technology – building on what already runs in the UK, and creating what Germany needs of its own.
Ownership. You'll own the German side of the acquisition stack – from the lead-value signals iwoca sends to ad platforms, to the bidding and attribution built on them – and decide what to build from scratch.
Technical strategy. You'll help shape the long-term roadmap. The team sets commercial objectives; you’ll shape the architecture, scaling, and technical direction.
Funnel optimisation. You'll work with marketing and data science to target relevant businesses across paid search, direct mail, and outbound sales, and to convert more of them once they arrive. You'll integrate third-party APIs to minimise friction in sign-up and improve the lead data behind every channel.
Data engineering. You'll build the pipelines, databases, and REST APIs behind the acquisition stack, plus the HubSpot tooling the sales team use.
Models in production. You'll engineer the features that data scientists need, put their models into production, and set up the versioning and monitoring that keep them running.
The requirements
Essential:
Backend engineering. You have hands-on experience designing and building backend systems in Python, in production.
SQL. You are comfortable in SQL beyond CRUD. You shape schemas, tune queries, and reason about how data flows through relational systems.
End-to-end. You take work from an initial problem through to delivery, shaping solutions, making trade-offs, and iterating based on how systems are used.
Commercial or product thinking. You're comfortable working directly with marketing and sales. You take a business goal, dig into the root of what they need and why, then shape what gets built – as well as owning how.
AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone. You judge when to use it and when not to.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.
Bonus:
Full-stack. You’re open to coding frontend elements, particularly in React or TypeScript.
Python stack. You have worked with SQLAlchemy, scikit-learn, pandas, and PostgreSQL.
Database design. You have designed, built, and managed relational databases.
Analytics tooling. You have used Snowflake, Looker, or the equivalent.
The salary
We expect to pay from £70,000 to £85,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"BACKEND ENGINEER - ACQUISITION TECH - DE\n\nHybrid in London or remote within the UK\n\n\n\nWe’re looking for a Backend Engineer\n\nYou'll be the first engineer on the German side of Acquisition Tech, owning the customer acquisition systems that decide which small businesses iwoca reaches and how they convert.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nThe Acquisition Tech team owns how iwoca reaches German small businesses – across paid advertising, SEO, social media, direct mail, and outbound sales – and how they become customers. The data and models behind every channel sit with the team.\n\nYou'll report to the engineering lead for iwoca's German market, based in London alongside the rest of the technical team. Day to day you'll work with a product manager and a data scientist in London, plus commercial strategy, marketing, and sales – some of whom sit in Germany.\n\nYou'll be the only engineer on the German side of acquisition, working in iwoca's UK Acquisition Tech team's codebase. You'll work with their engineers on code reviews and design decisions.\n\n\n\nThe role\n\nYou'll build the backend behind iwoca's German acquisition technology – building on what already runs in the UK, and creating what Germany needs of its own.\n\n - Ownership. You'll own the German side of the acquisition stack – from the lead-value signals iwoca sends to ad platforms, to the bidding and attribution built on them – and decide what to build from scratch.\n\n - Technical strategy. You'll help shape the long-term roadmap. The team sets commercial objectives; you’ll shape the architecture, scaling, and technical direction.\n\n - Funnel optimisation. You'll work with marketing and data science to target relevant businesses across paid search, direct mail, and outbound sales, and to convert more of them once they arrive. You'll integrate third-party APIs to minimise friction in sign-up and improve the lead data behind every channel.\n\n - Data engineering. You'll build the pipelines, databases, and REST APIs behind the acquisition stack, plus the HubSpot tooling the sales team use.\n\n - Models in production. You'll engineer the features that data scientists need, put their models into production, and set up the versioning and monitoring that keep them running.\n\n\n\nThe requirements\n\nEssential:\n\n - Backend engineering. You have hands-on experience designing and building backend systems in Python, in production.\n\n - SQL. You are comfortable in SQL beyond CRUD. You shape schemas, tune queries, and reason about how data flows through relational systems.\n\n - End-to-end. You take work from an initial problem through to delivery, shaping solutions, making trade-offs, and iterating based on how systems are used.\n\n - Commercial or product thinking. You're comfortable working directly with marketing and sales. You take a business goal, dig into the root of what they need and why, then shape what gets built – as well as owning how.\n\n - AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone. You judge when to use it and when not to.\n\n - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.\n\nBonus:\n\n - Full-stack. You’re open to coding frontend elements, particularly in React or TypeScript.\n\n - Python stack. You have worked with SQLAlchemy, scikit-learn, pandas, and PostgreSQL.\n\n - Database design. You have designed, built, and managed relational databases.\n\n - Analytics tooling. You have used Snowflake, Looker, or the equivalent.\n\n\n\nThe salary\n\nWe expect to pay from £70,000 to £85,000 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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap (TAP)"},{"id":"d6239e27-9b0c-4792-9322-3f58cd1d1ee2","title":"Data Scientist - Partner Flow Team","department":"Data Science","team":"Data Science","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-07T18:28:23.837+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/d6239e27-9b0c-4792-9322-3f58cd1d1ee2","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/d6239e27-9b0c-4792-9322-3f58cd1d1ee2/application","descriptionHtml":"Hybrid in London, United Kingdom
We're looking for a Data Scientist to join the Partner Flow team.
You'll use experiments and causal inference to shape how iwoca grows through its partners – the fintechs and platforms that offer iwoca lending inside their own products.
The company
Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
Partner Flow owns the journey for small businesses that come to iwoca through a partner platform, from how they discover iwoca’s business finance to any repeat lending. The aim is to reach each business at the right time, make it easy to apply and get funded, and match them with the offer that suits them and works best for iwoca over time.
The team works on three parts of that journey:
The application. Making it smooth and collecting the data a credit decision needs.
Routing. Working out which applications get an automatic decision and which need input from a credit analyst.
Offer terms. Testing amount, duration, and interest rate, working closely with Credit Risk Modelling, who build the credit models.
The team is small and cross-functional – data science, engineering, design, and product – and works across the full application stack, from the APIs partners integrate with to the experience customers see when they apply.
The role
As the Data Scientist in Partner Flow, you'll run the analysis behind the team's product decisions. Most of it is experiment design and causal inference, with some model building and funnel analysis.
You'll own each project from the start. You'll work out what the business needs, reason from first principles, weigh the trade-offs, and shape the project with product, commercial, and strategy colleagues before deciding how it gets done. The team's analytical approach is still young, so you'll help set its methods. Around 10% of your time is for research and learning – finding better methods for the problems in front of you, or new ways to add value.
You'll work with data scientists in iwoca's other customer flow teams, and join the analytics guild – iwoca's data science community – to align on methods and build your expertise. Your results reach the wider business through Learnings – short write-ups of what an experiment found, shared at weekly and fortnightly sessions.
Live project examples:
Pre-qualification. Measuring how showing customers what they could borrow before they apply affects conversion and Customer Lifetime Value (CLtV), then shaping how the model behind it develops.
Credit cards. Working out which customers should see iwoca's recently launched credit card, a Flexi-Loan, or both – and whether the card wins extra customers or takes them from Flexi-Loan.
Top-up notifications. Measuring whether letting eligible customers know they can borrow more increases CLtV, using causal inference methods beyond a standard A/B test.
Partner funnel. Building a clear view from application to drawdown, finding where customers drop off, and testing fixes where they'll matter most.
The requirements
Essential:
Statistical foundations. You have a background in probability and statistics from a quantitative field – typically a degree or Master's in Statistics, Mathematics, Physics, Engineering, or similar. You reason about uncertainty and calibration as first-order concerns.
Causal inference and experimentation. You have designed and analysed experiments where separating signal from noise mattered – A/B tests, quasi-experiments, or lift studies. You know where A/B testing breaks down and what to reach for instead.
Commercial experience. You have used data science to shape commercial decisions – in an industry role, a consultancy, or a substantial placement – and worked alongside the people who acted on them.
Analytical ownership. You have taken loosely defined problems from start to finish – working out the right question, choosing the approach, and seeing the analysis through to a decision.
Iteration. You make the best call the current evidence allows and act on it early. As new data comes in, you update the call and tighten the answer.
AI leverage. You've used AI to produce work you couldn't have delivered alone – an analysis pipeline, a prototype, or a tool others use. You judge where it helps, and you check its output before anyone acts on it.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in commercial and strategy roles.
Bonus:
Causal inference beyond A/B testing. You have used synthetic control, interrupted time series, or difference-in-differences in commercial or research work.
Bayesian methods. You have used hierarchical models, MCMC, or Bayesian updating in real work.
Funnel and marketplace experience. You have analysed conversion funnels or marketplaces where products compete for customers' attention.
Market curiosity. You've explored how the partner lending market works – what makes a partner choose iwoca over a competitor, and what makes a customer convert.
Coding. You can write code for analysis. The team works in Python.
The salary
We expect to pay from £70,000 to £100,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"DATA SCIENTIST - PARTNER FLOW - UK\n\nHybrid in London, United Kingdom\n\n\n\nWe're looking for a Data Scientist to join the Partner Flow team.\n\nYou'll use experiments and causal inference to shape how iwoca grows through its partners – the fintechs and platforms that offer iwoca lending inside their own products.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nPartner Flow owns the journey for small businesses that come to iwoca through a partner platform, from how they discover iwoca’s business finance to any repeat lending. The aim is to reach each business at the right time, make it easy to apply and get funded, and match them with the offer that suits them and works best for iwoca over time.\n\nThe team works on three parts of that journey:\n\n - The application. Making it smooth and collecting the data a credit decision needs.\n\n - Routing. Working out which applications get an automatic decision and which need input from a credit analyst.\n\n - Offer terms. Testing amount, duration, and interest rate, working closely with Credit Risk Modelling, who build the credit models.\n\nThe team is small and cross-functional – data science, engineering, design, and product – and works across the full application stack, from the APIs partners integrate with to the experience customers see when they apply.\n\n\n\nThe role\n\nAs the Data Scientist in Partner Flow, you'll run the analysis behind the team's product decisions. Most of it is experiment design and causal inference, with some model building and funnel analysis.\n\nYou'll own each project from the start. You'll work out what the business needs, reason from first principles, weigh the trade-offs, and shape the project with product, commercial, and strategy colleagues before deciding how it gets done. The team's analytical approach is still young, so you'll help set its methods. Around 10% of your time is for research and learning – finding better methods for the problems in front of you, or new ways to add value.\n\nYou'll work with data scientists in iwoca's other customer flow teams, and join the analytics guild – iwoca's data science community – to align on methods and build your expertise. Your results reach the wider business through Learnings – short write-ups of what an experiment found, shared at weekly and fortnightly sessions.\n\nLive project examples:\n\n - Pre-qualification. Measuring how showing customers what they could borrow before they apply affects conversion and Customer Lifetime Value (CLtV), then shaping how the model behind it develops.\n\n - Credit cards. Working out which customers should see iwoca's recently launched credit card, a Flexi-Loan, or both – and whether the card wins extra customers or takes them from Flexi-Loan.\n\n - Top-up notifications. Measuring whether letting eligible customers know they can borrow more increases CLtV, using causal inference methods beyond a standard A/B test.\n\n - Partner funnel. Building a clear view from application to drawdown, finding where customers drop off, and testing fixes where they'll matter most.\n\n\n\nThe requirements\n\nEssential:\n\n - Statistical foundations. You have a background in probability and statistics from a quantitative field – typically a degree or Master's in Statistics, Mathematics, Physics, Engineering, or similar. You reason about uncertainty and calibration as first-order concerns.\n\n - Causal inference and experimentation. You have designed and analysed experiments where separating signal from noise mattered – A/B tests, quasi-experiments, or lift studies. You know where A/B testing breaks down and what to reach for instead.\n\n - Commercial experience. You have used data science to shape commercial decisions – in an industry role, a consultancy, or a substantial placement – and worked alongside the people who acted on them.\n\n - Analytical ownership. You have taken loosely defined problems from start to finish – working out the right question, choosing the approach, and seeing the analysis through to a decision.\n\n - Iteration. You make the best call the current evidence allows and act on it early. As new data comes in, you update the call and tighten the answer.\n\n - AI leverage. You've used AI to produce work you couldn't have delivered alone – an analysis pipeline, a prototype, or a tool others use. You judge where it helps, and you check its output before anyone acts on it.\n\n - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in commercial and strategy roles.\n\nBonus:\n\n - Causal inference beyond A/B testing. You have used synthetic control, interrupted time series, or difference-in-differences in commercial or research work.\n\n - Bayesian methods. You have used hierarchical models, MCMC, or Bayesian updating in real work.\n\n - Funnel and marketplace experience. You have analysed conversion funnels or marketplaces where products compete for customers' attention.\n\n - Market curiosity. You've explored how the partner lending market works – what makes a partner choose iwoca over a competitor, and what makes a customer convert.\n\n - Coding. You can write code for analysis. The team works in Python.\n\n\n\nThe salary\n\nWe expect to pay from £70,000 to £100,000 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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"92dc2370-c6fd-48c2-b2f6-6feeb68f8af1","title":"Data Scientist - iwocaPay Credit Risk Modelling","department":"Data Science","team":"Data Science","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-21T07:59:44.264+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/92dc2370-c6fd-48c2-b2f6-6feeb68f8af1","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/92dc2370-c6fd-48c2-b2f6-6feeb68f8af1/application","descriptionHtml":"Hybrid in London, United Kingdom (one day per week in office requirement)
We're looking for a Data Scientist to join the iwocaPay Risk Squad.
You'll own credit models that decide who iwocaPay can safely fund, on what terms, and how far the product can grow. You'll help shape how risk modelling develops.
The company
Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
The Risk Squad owns credit risk and fraud for iwocaPay, iwoca's Buy Now Pay Later product for businesses. The aim is to lend to every business likely to repay, and to spot the ones that aren't.
The squad works across three areas:
Lending decisions. Building and improving the automated credit model.
The portfolio. Tracking losses, chargebacks, and seller performance, and deciding which segments to grow or pull back from.
New products. Designing the risk side of each one before it launches.
The squad is small and new – two data scientists, a risk analyst and a risk lead.
The role
As a Data Scientist in the Risk Squad, you'll co-own every credit model with the other data scientist and review one another's work. The job is mostly supervised ML on tabular data, with a fair amount of data engineering as the squad moves onto its own pipelines. You'll start on the automated credit model and take on the invoice financing models over time. You can also test ideas with iwoca's other lending data science teams, who work on similar credit problems.
You'll choose what to work on and write the plans you deliver. Much of the squad's work happens in iwocaPay's product and strategy meetings, so your models shape the roadmap. You'll also help set up how the squad works – what it monitors, and the guidelines it follows.
Live project examples:
Model architecture. Rethinking the model around how iwocaPay actually lends: overlapping facilities, short terms, and a growing set of products a customer can use.
Blending datasets. Bringing more iwocaPay-specific data into the models while still drawing on iwoca's larger core lending dataset, through methods such as transfer learning.
Invoice financing. Building a credit risk model from scratch for a new product on a segment iwoca hasn’t lent to before. Plus finding the modelling opportunities elsewhere in the funnel, like in our offers...
The requirements
Essential:
Statistical foundations. You have a background in probability and statistics from a quantitative field – typically a degree or Master's in Statistics, Mathematics, Physics, Engineering, or similar. You reason about uncertainty and calibration as first-order concerns.
Production ML. You have built supervised ML models on tabular data end to end – exploration, training, deployment, and monitoring.
Ownership. You work well in a small, early-stage team where priorities move quickly. You build what you need as you go, and take loosely defined problems from framing to a landed decision.
Judgement. You know when a model is good enough to go live, and when it needs more work. You critically evaluate model output – yours, a colleague's, or an LLM's – and can explain why a choice is right.
AI leverage. You've used AI to produce work you couldn't have delivered without it – a modelling pipeline, a prototype, or a tool others use. You judge where it helps and where it doesn't.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in product, risk, and leadership.
Bonus:
Domain experience. You have worked in credit risk modelling or lending.
Non-linear methods. You have used gradient boosting or neural networks on tabular data in production.
Combining datasets. You have used transfer learning, domain adaptation, or similar methods on data sources of different size and relevance.
Data engineering. You have built data pipelines and managed datasets alongside your modelling work.
Coding. You can write code for analysis. The squad works in Python.
The salary
We expect to pay from £60,000 to £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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"DATA SCIENTIST - IWOCAPAY CREDIT RISK MODELLING\n\nHybrid in London, United Kingdom (one day per week in office requirement)\n\n\n\nWe're looking for a Data Scientist to join the iwocaPay Risk Squad.\n\nYou'll own credit models that decide who iwocaPay can safely fund, on what terms, and how far the product can grow. You'll help shape how risk modelling develops.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nThe Risk Squad owns credit risk and fraud for iwocaPay, iwoca's Buy Now Pay Later product for businesses. The aim is to lend to every business likely to repay, and to spot the ones that aren't.\n\nThe squad works across three areas:\n\n - Lending decisions. Building and improving the automated credit model.\n\n - The portfolio. Tracking losses, chargebacks, and seller performance, and deciding which segments to grow or pull back from.\n\n - New products. Designing the risk side of each one before it launches.\n\nThe squad is small and new – two data scientists, a risk analyst and a risk lead.\n\n\n\nThe role\n\nAs a Data Scientist in the Risk Squad, you'll co-own every credit model with the other data scientist and review one another's work. The job is mostly supervised ML on tabular data, with a fair amount of data engineering as the squad moves onto its own pipelines. You'll start on the automated credit model and take on the invoice financing models over time. You can also test ideas with iwoca's other lending data science teams, who work on similar credit problems.\n\nYou'll choose what to work on and write the plans you deliver. Much of the squad's work happens in iwocaPay's product and strategy meetings, so your models shape the roadmap. You'll also help set up how the squad works – what it monitors, and the guidelines it follows.\n\nLive project examples:\n\n - Model architecture. Rethinking the model around how iwocaPay actually lends: overlapping facilities, short terms, and a growing set of products a customer can use.\n\n - Blending datasets. Bringing more iwocaPay-specific data into the models while still drawing on iwoca's larger core lending dataset, through methods such as transfer learning.\n\n - Invoice financing. Building a credit risk model from scratch for a new product on a segment iwoca hasn’t lent to before. Plus finding the modelling opportunities elsewhere in the funnel, like in our offers...\n\n\n\nThe requirements\n\nEssential:\n\n - Statistical foundations. You have a background in probability and statistics from a quantitative field – typically a degree or Master's in Statistics, Mathematics, Physics, Engineering, or similar. You reason about uncertainty and calibration as first-order concerns.\n\n - Production ML. You have built supervised ML models on tabular data end to end – exploration, training, deployment, and monitoring.\n\n - Ownership. You work well in a small, early-stage team where priorities move quickly. You build what you need as you go, and take loosely defined problems from framing to a landed decision.\n\n - Judgement. You know when a model is good enough to go live, and when it needs more work. You critically evaluate model output – yours, a colleague's, or an LLM's – and can explain why a choice is right.\n\n - AI leverage. You've used AI to produce work you couldn't have delivered without it – a modelling pipeline, a prototype, or a tool others use. You judge where it helps and where it doesn't.\n\n - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in product, risk, and leadership.\n\nBonus:\n\n - Domain experience. You have worked in credit risk modelling or lending.\n\n - Non-linear methods. You have used gradient boosting or neural networks on tabular data in production.\n\n - Combining datasets. You have used transfer learning, domain adaptation, or similar methods on data sources of different size and relevance.\n\n - Data engineering. You have built data pipelines and managed datasets alongside your modelling work.\n\n - Coding. You can write code for analysis. The squad works in Python.\n\n\n\nThe salary\n\nWe expect to pay from £60,000 to £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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap\n\n"},{"id":"15fba731-0797-4692-b5f9-7b2c2af2301c","title":"Office Coordinator (Part-time)","department":"People Operations","team":"People Operations","employmentType":"PartTime","location":"Leeds ","secondaryLocations":[],"publishedAt":"2026-10-26T09:10:54.981+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"west yorkshire","addressCountry":"United Kingdom ","addressLocality":"Leeds"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/15fba731-0797-4692-b5f9-7b2c2af2301c","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/15fba731-0797-4692-b5f9-7b2c2af2301c/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We're looking for an Office Coordinator
You'll run the day-to-day of our Leeds office, making it a well-run, safe and welcoming place for the iwocans who work from there.
The Leeds office is home to most of iwoca's collections, customer success and account management teams, plus smaller groups from across the business. It's the busiest midweek, when most teams come in together.
The office team looks after iwoca's four offices in London, Leeds, Berlin and Frankfurt, and the events that keep iwocans connected across them. The team is led by the Office & Community Manager, who is based in London.
The role
As Office Coordinator, you'll report to the Office & Community Manager. You'll be the person who keeps the Leeds office running, and the first person iwocans in Leeds come to when something needs sorting.
Ownership. You'll run the office day to day: the weekly food and drinks order, deliveries, post and supplies, and the office Soldo card, reconciled each month. You'll walk the office each week and fix small issues yourself.
Variety. You'll welcome visitors and candidates, sort out meeting room clashes, and book and oversee cleaners, tradespeople and suppliers, from the coffee machines and Billi taps to the plants.
Responsibility. You'll keep the office safe. You'll be one of the office's fire marshals and first aiders, carry out facilities maintenance checks, and keep the first aid kits stocked.
Community. You'll help iwocans in Leeds feel part of iwoca and enjoy being here. You'll run the weekly office tour for new joiners, help teams to celebrate key moments like work anniversaries and organise community events.
The requirements
Essential:
Office operations. You have at least a year's experience running the day-to-day of an office, including ordering, deliveries and visitors.
Suppliers and contractors. You have worked with building management, contractors and facilities suppliers, and held them to what they agreed to deliver.
Fixing things without being asked. You have been the person who spots what isn't working in an office and sorts it. You can talk us through examples.
The physical side. You're comfortable unpacking deliveries, setting up for events and moving supplies of up to 15–20kg.
Bonus:
First aid and fire safety. You hold first aid or fire marshal certificates. If not, we'll train you when you join.
Expenses. You have managed company expenses on Soldo or a similar platform.
Facilities qualification. You have an IWFM qualification or equivalent.
AI Literacy. Experience using generative AI tools to drive efficiency in administrative tasks, paired with the judgment to audit and fact-check all AI-generated content.
The salary
We expect to pay from £26,500 to £30,000 (pro rata for 20 hours a week) 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 development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nWe're looking for an Office Coordinator\n\nYou'll run the day-to-day of our Leeds office, making it a well-run, safe and welcoming place for the iwocans who work from there.\n\nThe Leeds office is home to most of iwoca's collections, customer success and account management teams, plus smaller groups from across the business. It's the busiest midweek, when most teams come in together.\n\nThe office team looks after iwoca's four offices in London, Leeds, Berlin and Frankfurt, and the events that keep iwocans connected across them. The team is led by the Office & Community Manager, who is based in London.\n\n\n\nThe role\n\nAs Office Coordinator, you'll report to the Office & Community Manager. You'll be the person who keeps the Leeds office running, and the first person iwocans in Leeds come to when something needs sorting.\n\n - Ownership. You'll run the office day to day: the weekly food and drinks order, deliveries, post and supplies, and the office Soldo card, reconciled each month. You'll walk the office each week and fix small issues yourself.\n\n - Variety. You'll welcome visitors and candidates, sort out meeting room clashes, and book and oversee cleaners, tradespeople and suppliers, from the coffee machines and Billi taps to the plants.\n\n - Responsibility. You'll keep the office safe. You'll be one of the office's fire marshals and first aiders, carry out facilities maintenance checks, and keep the first aid kits stocked.\n\n - Community. You'll help iwocans in Leeds feel part of iwoca and enjoy being here. You'll run the weekly office tour for new joiners, help teams to celebrate key moments like work anniversaries and organise community events.\n\n\n\nThe requirements\n\nEssential:\n\n - Office operations. You have at least a year's experience running the day-to-day of an office, including ordering, deliveries and visitors.\n\n - Suppliers and contractors. You have worked with building management, contractors and facilities suppliers, and held them to what they agreed to deliver.\n\n - Fixing things without being asked. You have been the person who spots what isn't working in an office and sorts it. You can talk us through examples.\n\n - The physical side. You're comfortable unpacking deliveries, setting up for events and moving supplies of up to 15–20kg.\n\nBonus:\n\n - First aid and fire safety. You hold first aid or fire marshal certificates. If not, we'll train you when you join.\n\n - Expenses. You have managed company expenses on Soldo or a similar platform.\n\n - Facilities qualification. You have an IWFM qualification or equivalent.\n\n - AI Literacy. Experience using generative AI tools to drive efficiency in administrative tasks, paired with the judgment to audit and fact-check all AI-generated content.\n \n \n\nThe salary\n\nWe expect to pay from £26,500 to £30,000 (pro rata for 20 hours a week) 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.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"e1a3995c-a4bc-4498-a7e9-6c84f94396cf","title":"Data Scientist - Third-Party Acquisition","department":"Data Science","team":"Data Science","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-22T12:21:56.350+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/e1a3995c-a4bc-4498-a7e9-6c84f94396cf","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/e1a3995c-a4bc-4498-a7e9-6c84f94396cf/application","descriptionHtml":"Hybrid in London, United Kingdom
We're looking for a Data Scientist
You'll design experiments and build models that shape how iwoca grows through brokers and partners in Germany. You'll set the approach and see your work open up finance for thousands of small businesses.
The company
Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
Third-Party Acquisition (3PA) Germany brings small businesses to iwoca through brokers and partners, and owns both journeys end to end – from an application arriving to a business taking up its offer.
The team works across two channels:
Brokers. Working with finance advisers who apply to iwoca on behalf of their clients.
Partners. Working with platforms, such as digital banks and accounting software, that offer iwoca lending to their own customers.
The team will be nine people across commercial strategy, analytics, product, and engineering.
The role
As the Data Scientist in 3PA Germany, you'll work out what the data says about both channels. Experiment design and statistical modelling on tabular data take up most of your time, with some machine learning. You'll turn what you find into recommendations, and work through them with the team's commercial and product colleagues.
You'll decide which questions are worth answering first, and how to answer them. You'll influence which businesses the team reaches, how they convert, and on what terms.
You'll join the analytics guild – iwoca's data science community – and share methods with data scientists in the UK broker and partner teams, who work on similar questions.
Live project examples:
Funnel experiments. Designing and analysing controlled experiments across the broker and partner funnels, including where clean randomisation is hard.
Pre-qualification. Developing the model that shows partner customers what they could borrow before they apply.
Take-up and lifetime value. Modelling what makes a business take up an offer, and what raises its lifetime value.
Competitive position. Working out why businesses that come through brokers and partners choose iwoca over other lenders, and testing changes to the journey that win more of them.
Offer terms. Exploring how our lending product terms affect conversion in the broker channel, and using the results to inform product and risk decisions
The requirements
Essential:
Statistical foundations. You have a background in probability and statistics from a quantitative field such as mathematics, physics, or statistics.
Causal inference and experimentation. You've designed and analysed experiments, and estimated causal effects from observational data. You know where A/B testing breaks down and what to reach for instead.
Commercial judgement. You understand the business behind each question, and turn data into recommendations people act on.
Analytical ownership. You take loosely defined problems from start to finish – framing the question, choosing the approach, and seeing it through to a decision.
Coding for analysis. You write code to explore and model data. The team works in Python, and R is fine to start with.
AI leverage. You've used AI to produce work you couldn't have delivered without it – an analysis pipeline, a prototype, or a tool others use. You judge where it helps and where it doesn't, and you check its output before anyone acts on it.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in commercial and product roles.
Bonus:
Bayesian methods. You understand Bayesian statistics, and you've applied hierarchical models or are keen to.
Machine learning. You've built or adapted ML models, and you're curious about the maths behind them.
Lending knowledge. You know how lenders price loans or assess credit risk.
The salary
We expect to pay from £70,000 to £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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"DATA SCIENTIST - THIRD PARTY ACQUISITION (3PA) - DE\n\nHybrid in London, United Kingdom\n\n\n\nWe're looking for a Data Scientist\n\nYou'll design experiments and build models that shape how iwoca grows through brokers and partners in Germany. You'll set the approach and see your work open up finance for thousands of small businesses.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nThird-Party Acquisition (3PA) Germany brings small businesses to iwoca through brokers and partners, and owns both journeys end to end – from an application arriving to a business taking up its offer.\n\nThe team works across two channels:\n\n - Brokers. Working with finance advisers who apply to iwoca on behalf of their clients.\n\n - Partners. Working with platforms, such as digital banks and accounting software, that offer iwoca lending to their own customers.\n\nThe team will be nine people across commercial strategy, analytics, product, and engineering.\n\n\n\nThe role\n\nAs the Data Scientist in 3PA Germany, you'll work out what the data says about both channels. Experiment design and statistical modelling on tabular data take up most of your time, with some machine learning. You'll turn what you find into recommendations, and work through them with the team's commercial and product colleagues.\n\nYou'll decide which questions are worth answering first, and how to answer them. You'll influence which businesses the team reaches, how they convert, and on what terms.\n\nYou'll join the analytics guild – iwoca's data science community – and share methods with data scientists in the UK broker and partner teams, who work on similar questions.\n\nLive project examples:\n\n - Funnel experiments. Designing and analysing controlled experiments across the broker and partner funnels, including where clean randomisation is hard.\n\n - Pre-qualification. Developing the model that shows partner customers what they could borrow before they apply.\n\n - Take-up and lifetime value. Modelling what makes a business take up an offer, and what raises its lifetime value.\n\n - Competitive position. Working out why businesses that come through brokers and partners choose iwoca over other lenders, and testing changes to the journey that win more of them.\n\n - Offer terms. Exploring how our lending product terms affect conversion in the broker channel, and using the results to inform product and risk decisions\n\n\n\nThe requirements\n\nEssential:\n\n - Statistical foundations. You have a background in probability and statistics from a quantitative field such as mathematics, physics, or statistics.\n\n - Causal inference and experimentation. You've designed and analysed experiments, and estimated causal effects from observational data. You know where A/B testing breaks down and what to reach for instead.\n\n - Commercial judgement. You understand the business behind each question, and turn data into recommendations people act on.\n\n - Analytical ownership. You take loosely defined problems from start to finish – framing the question, choosing the approach, and seeing it through to a decision.\n\n - Coding for analysis. You write code to explore and model data. The team works in Python, and R is fine to start with.\n\n - AI leverage. You've used AI to produce work you couldn't have delivered without it – an analysis pipeline, a prototype, or a tool others use. You judge where it helps and where it doesn't, and you check its output before anyone acts on it.\n\n - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in commercial and product roles.\n\nBonus:\n\n - Bayesian methods. You understand Bayesian statistics, and you've applied hierarchical models or are keen to.\n\n - Machine learning. You've built or adapted ML models, and you're curious about the maths behind them.\n\n - Lending knowledge. You know how lenders price loans or assess credit risk.\n\n\n\nThe salary\n\nWe expect to pay from £70,000 to £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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap\n\n"},{"id":"6d4ca2ff-b279-4500-9695-cabff46653a1","title":"Data Scientist - Credit Cards","department":"Data Science","team":"Data Science","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-22T17:17:06.119+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/6d4ca2ff-b279-4500-9695-cabff46653a1","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/6d4ca2ff-b279-4500-9695-cabff46653a1/application","descriptionHtml":"Hybrid in London, United Kingdom
We're looking for a Data Scientist to join the Credit Cards team.
You'll build the credit risk, pricing, and customer lifetime value models behind iwoca's business credit card – who gets a card, with what features, and at what rate.
The company
Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
iwoca launched its business credit card at the start of 2026. It gives small businesses a fast, flexible way to pay for what they need and control their cash flow, alongside iwoca's loans. The card is a core part of iwoca's long-term growth.
The Credit Cards team builds the card on iwoca's existing lending infrastructure and customer base. The team is made up of commercial strategy product, engineering, operations, and a data scientists.
The role
As a Data Scientist in Credit Cards, you'll do the analysis and modelling for the card's commercial decisions. You'll often have small samples and incomplete data, which suits Bayesian methods. You'll quantify the uncertainty in each estimate and explain what it means for the decision.
You'll run your own projects, from framing the question with the commercial lead to helping the team act on the result. Your models will shape how the card grows. You will be embedded in a broader Credit Cards Team and learn about the product and customer needs. You'll share methods with Credit Risk Modelling, especially where card and lending models overlap, and with data scientists across iwoca in the analytics guild.
Live project examples:
Credit limits. Setting initial limits that balance risk with what each customer needs, and designing a framework that adjusts them as spending and repayment data comes in.
Pricing. Modelling how interest and fees affect take-up and spending,, to find pricing that works for iwoca and its customers.
Customer lifetime value. Estimating activation, spending, and retention from early signals, and updating the estimates as each cohort matures.
Card and loan together. Measuring cross-sell and combined credit exposure for businesses that hold both the card and an iwoca loan. Designing the mechanisms to optimise how the two products interact.
The requirements
Essential:
Statistical foundations. You have a background in probability and statistics from a quantitative field. You reason about uncertainty and calibration as first-order concerns.
Bayesian reasoning. You've used priors, updating, and hierarchical models in real work. You know when a Bayesian model is worth the extra complexity, and when something simpler will do.
Analytical ownership. You've taken loosely defined problems from framing the question to a decision the business acted on.
Business curiosity. You've used what you learnt about a business's customers and economics to shape your analysis.
AI leverage. You've used AI to produce work you couldn't have delivered without it – a prototype, an automation, or a modelling pipeline others use. You judge where it helps and where it doesn't, and you check its output before anyone acts on it.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in commercial and strategy roles.
Bonus:
Lending experience. You've worked on credit risk, pricing, or customer lifetime value in lending or financial services.
Small-sample modelling. You've worked with scarce data and made principled choices about regularisation or sequential updating.
Production machine learning. You've taken models from exploration through to deployment and monitoring.
Coding in Python. The team works in Python and you’ll write analyses and code in that language.
The salary
We expect to pay from £80,000 to £100,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
Hybrid in London, UK
We're looking for an Applied AI Engineer to join the Direct Acquisition team.
You'll design and build AI agents that run whole business processes, from planning the work to learning from the results. What you find will steer how far iwoca takes agents across the business.
The company
Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We've already cleared the way for 100,000 businesses with more than £5 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
Direct Acquisition includes iwoca's Marketing, Sales, Brand and Acquisition Tech teams. Together, they reach UK businesses of all shapes and sizes through paid and organic marketing channels and direct sales.
A new team in Direct Acquisition builds agents that automate and improve acquisition processes. That's its only focus, and it works closely with Acquisition Tech. It's small – a product owner and you – and everyone builds. You'll report to the Head of Direct Acquisition, who sets the commercial direction.
The role
As the Applied AI Engineer, you'll build the agents and the systems around them. Most of the work is system design and backend engineering.
You'll start with direct mail. The first goal is an agent that plans each monthly round, uses iwoca's existing predictive models to build the mailing file, and learns from the results as they come in. The pattern is simple to say and hard to get right: the agent orchestrates, deterministic code does the work, and a human in the loop approves the file before it goes to print. You'll work with the people who run each process to understand the edge cases, and with Core Systems and Compliance on access and controls.
The agents don't exist yet, and much is still open: which processes the team takes on, and what the architecture looks like. You'll own those design decisions and write most of the code yourself, much of it with AI coding tools. Some of this won't work, and finding out why is one of the main outputs of the role.
Architecture. You'll design what agents need to run reliably: memory that persists between runs, task management, access to tools, permissions, and a record of every decision and why. You'll build each piece so the next process can reuse it.
Guardrails. You'll decide where the agent uses judgement and where code enforces rules the agent can't change, like suppressions, compliance checks and budget limits.
Delivery. You'll own each agent end to end: connect it to iwoca's predictive models, data pipelines and channel tools, and run it alongside the current process until it has shown it works.
Measurement. You'll track how often agents need a person, where they fail, what they cost, and what they're worth.
The requirements
We're looking for the depth of someone who has solved hard problems, and the pace of someone who moves fast in areas that are new to them.
Essential:
System ownership. You've owned a complex system end to end, from design to running it in production, and lived with the consequences of your architecture choices.
Design judgement. You've made architecture decisions other people built on, and you can explain the trade-offs and what you'd change. When an idea won't work, you say so and offer a better one.
Pace. You've got things live quickly in unfamiliar areas and they kept working once people relied on them.
Agent engineering. You've built systems where LLMs take actions – more than chat or summaries – and you can explain what went wrong and how you fixed it. You know when a problem needs an agent and when it needs a for-loop.
Controls. You've built permissions, data access rules and audit trails into systems from the start.
Constructive challenge. You work well with commercial and product colleagues, and when an idea won't work, you say so and offer a better one.
AI leverage. You've used AI coding tools to produce engineering work you couldn't have delivered without them – a service, an integration, or an internal tool others use. You have opinions on how to get the most out of them, and you check their output before it reaches production.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.
Bonus:
Languages and data tools. You've worked with Python, Go, Snowflake or dbt.
Evaluation. You've built evals that measure how an agent performs and where it fails.
Marketing and growth tech. You've worked with ad platforms, CRMs or direct mail.
Quantitative foundations. You come from a numerical or technical field, such as physics, engineering, maths or computer science.
The salary
We expect to pay from £80,000 to £100,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"APPLIED AI ENGINEER - DIRECT ACQUISITION\n\nHybrid in London, UK\n\n\n\nWe're looking for an Applied AI Engineer to join the Direct Acquisition team.\n\nYou'll design and build AI agents that run whole business processes, from planning the work to learning from the results. What you find will steer how far iwoca takes agents across the business.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe've already cleared the way for 100,000 businesses with more than £5 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nDirect Acquisition includes iwoca's Marketing, Sales, Brand and Acquisition Tech teams. Together, they reach UK businesses of all shapes and sizes through paid and organic marketing channels and direct sales.\n\nA new team in Direct Acquisition builds agents that automate and improve acquisition processes. That's its only focus, and it works closely with Acquisition Tech. It's small – a product owner and you – and everyone builds. You'll report to the Head of Direct Acquisition, who sets the commercial direction.\n\n\n\nThe role\n\nAs the Applied AI Engineer, you'll build the agents and the systems around them. Most of the work is system design and backend engineering.\n\nYou'll start with direct mail. The first goal is an agent that plans each monthly round, uses iwoca's existing predictive models to build the mailing file, and learns from the results as they come in. The pattern is simple to say and hard to get right: the agent orchestrates, deterministic code does the work, and a human in the loop approves the file before it goes to print. You'll work with the people who run each process to understand the edge cases, and with Core Systems and Compliance on access and controls.\n\nThe agents don't exist yet, and much is still open: which processes the team takes on, and what the architecture looks like. You'll own those design decisions and write most of the code yourself, much of it with AI coding tools. Some of this won't work, and finding out why is one of the main outputs of the role.\n\n - Architecture. You'll design what agents need to run reliably: memory that persists between runs, task management, access to tools, permissions, and a record of every decision and why. You'll build each piece so the next process can reuse it.\n\n - Guardrails. You'll decide where the agent uses judgement and where code enforces rules the agent can't change, like suppressions, compliance checks and budget limits.\n\n - Delivery. You'll own each agent end to end: connect it to iwoca's predictive models, data pipelines and channel tools, and run it alongside the current process until it has shown it works.\n\n - Measurement. You'll track how often agents need a person, where they fail, what they cost, and what they're worth.\n\n\n\nThe requirements\n\nWe're looking for the depth of someone who has solved hard problems, and the pace of someone who moves fast in areas that are new to them.\n\nEssential:\n\n - System ownership. You've owned a complex system end to end, from design to running it in production, and lived with the consequences of your architecture choices.\n\n - Design judgement. You've made architecture decisions other people built on, and you can explain the trade-offs and what you'd change. When an idea won't work, you say so and offer a better one.\n\n - Pace. You've got things live quickly in unfamiliar areas and they kept working once people relied on them.\n\n - Agent engineering. You've built systems where LLMs take actions – more than chat or summaries – and you can explain what went wrong and how you fixed it. You know when a problem needs an agent and when it needs a for-loop.\n\n - Controls. You've built permissions, data access rules and audit trails into systems from the start.\n\n - Constructive challenge. You work well with commercial and product colleagues, and when an idea won't work, you say so and offer a better one.\n\n - AI leverage. You've used AI coding tools to produce engineering work you couldn't have delivered without them – a service, an integration, or an internal tool others use. You have opinions on how to get the most out of them, and you check their output before it reaches production.\n\n - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.\n\nBonus:\n\n - Languages and data tools. You've worked with Python, Go, Snowflake or dbt.\n\n - Evaluation. You've built evals that measure how an agent performs and where it fails.\n\n - Marketing and growth tech. You've worked with ad platforms, CRMs or direct mail.\n\n - Quantitative foundations. You come from a numerical or technical field, such as physics, engineering, maths or computer science.\n\n\n\nThe salary\n\nWe expect to pay from £80,000 to £100,000 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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we've been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap (TAP)"},{"id":"c097d2a9-aa18-4e49-85ba-70a5b9f2b3bb","title":"Data Scientist - Broker Terms","department":"Data Science","team":"Data Science","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-23T10:58:03.208+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/c097d2a9-aa18-4e49-85ba-70a5b9f2b3bb","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/c097d2a9-aa18-4e49-85ba-70a5b9f2b3bb/application","descriptionHtml":"Hybrid in London, United Kingdom
We're looking for a Data Scientist to join the Broker Terms team.
You'll shape the analytical approach for a team that sets the terms on iwoca's biggest acquisition channel. The team is young, with many unexplored opportunities.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they ildrive.
The team
Broker Terms is a growing team that sits within iwoca's third-party acquisition department. It owns the full offer terms strategy for customers referred through the broker network – both first-time customers and repeat. The team sets pricing, loan amounts, durations, and broker commissions, and owns the UX that presents them to brokers and customers.
The team is small and interdisciplinary, combining commercial strategy, engineering, and data science. The work translates business questions into quantitative problems, and findings into actionable decisions. Active projects include:
Model-based pricing – creating a sophisticated model to offer bespoke pricing to each customer
A no-fee test – examining how our product performs when we remove all drawdown fees, and how that influence customer repayment behaviour
Testing longer-duration flexi-loan products with particular customer segments.
Reintroductions - exploring the right offer terms to give returning customers
The team is small and cross-functional – commercial strategy, engineering, design, and data science – and works across the full application stack, from the Broker API to the Introducer Portal brokers use.
The role
You'll model expected customer take-up rates, design experiments, and translate findings into pricing and product decisions for the acquisition channel that drives the most customer lifetime value (CLTV). Because the Broker Terms team is a young team, you'll influence how its analytical approach develops, not just what it produces.
The work has direct commercial consequences: brokers act on what the team builds and tests, and that shapes which customers iwoca wins and on what terms.
Offer terms and experimentation. You'll model how customers respond to offer terms and how brokers make decisions under uncertainty. You'll design experiments where causal inference is central: you'll need to know where standard A/B testing breaks down and what to reach for instead.
Commercial translation. You'll work with commercial and strategy colleagues and see your analysis applied directly in day-to-day decisions. That includes meeting brokers in person – gaining context that shapes how you frame and interpret results – and coordinating with adjacent teams responsible for underwriting decisions, repeat lending, and offer construction.
CLTV and customer journey. You'll think across the full broker-referred customer journey – from first funding to repeat – identifying what drives CLTV and what changes to offer terms or UX improve it. You own both the strategy and the mechanism, so your findings feed directly into what the team builds and tests.
AI and ways of working. You'll use AI to accelerate and automate your analytical work – not occasionally, but as a default. You should have a view on where it genuinely helps and where a different approach is better.
The requirements
Essential:
Statistical foundations. You have a background in probability and statistics from a quantitative field such as mathematics, physics, or statistics. You're comfortable with Bayesian reasoning, and have applied hierarchical models or formal decision-making under uncertainty in real work.
Causal inference and experimentation. You've separated signal from noise in observational and experimental data. You know where A/B testing breaks down and what to reach for instead. You have experience with careful experimental design to facilitate clean, trustworthy results.
Analytical ownership. You take loosely defined problems from start to finish – framing the question, choosing the method, and landing the answer with the people who act on it.
Data tooling. You're proficient with data manipulation and modelling tools, and with scientific computing libraries (pandas, numpy, sklearn, PyMC).
AI leverage. You've used AI to produce work you couldn't have delivered without it – an analysis pipeline, a prototype, or a tool others use. You judge where it helps and where it doesn't, and you check its output before anyone acts on it.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in commercial and strategy roles.
Bonus:
Modelling depth. You've built or adapted statistical or ML models and can explain the maths behind them to commercial stakeholders.
Stochastic methods. You've used stochastic processes for inference or time-series modelling.
Broker market insight. You've worked with brokers or other intermediaries in lending or financial services.
The salary
We expect to pay from £70,000 to £100,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"DATA SCIENTIST - BROKER TERMS TEAM\n\nHybrid in London, United Kingdom\n\n\n\nWe're looking for a Data Scientist to join the Broker Terms team.\n\nYou'll shape the analytical approach for a team that sets the terms on iwoca's biggest acquisition channel. The team is young, with many unexplored opportunities.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they ildrive.\n\n\n\nThe team\n\nBroker Terms is a growing team that sits within iwoca's third-party acquisition department. It owns the full offer terms strategy for customers referred through the broker network – both first-time customers and repeat. The team sets pricing, loan amounts, durations, and broker commissions, and owns the UX that presents them to brokers and customers.\n\nThe team is small and interdisciplinary, combining commercial strategy, engineering, and data science. The work translates business questions into quantitative problems, and findings into actionable decisions. Active projects include:\n\n - Model-based pricing – creating a sophisticated model to offer bespoke pricing to each customer\n\n - A no-fee test – examining how our product performs when we remove all drawdown fees, and how that influence customer repayment behaviour\n\n - Testing longer-duration flexi-loan products with particular customer segments.\n\n - Reintroductions - exploring the right offer terms to give returning customers\n\nThe team is small and cross-functional – commercial strategy, engineering, design, and data science – and works across the full application stack, from the Broker API to the Introducer Portal brokers use.\n\n\n\nThe role\n\nYou'll model expected customer take-up rates, design experiments, and translate findings into pricing and product decisions for the acquisition channel that drives the most customer lifetime value (CLTV). Because the Broker Terms team is a young team, you'll influence how its analytical approach develops, not just what it produces.\n\nThe work has direct commercial consequences: brokers act on what the team builds and tests, and that shapes which customers iwoca wins and on what terms.\n\n - Offer terms and experimentation. You'll model how customers respond to offer terms and how brokers make decisions under uncertainty. You'll design experiments where causal inference is central: you'll need to know where standard A/B testing breaks down and what to reach for instead.\n\n - Commercial translation. You'll work with commercial and strategy colleagues and see your analysis applied directly in day-to-day decisions. That includes meeting brokers in person – gaining context that shapes how you frame and interpret results – and coordinating with adjacent teams responsible for underwriting decisions, repeat lending, and offer construction.\n\n - CLTV and customer journey. You'll think across the full broker-referred customer journey – from first funding to repeat – identifying what drives CLTV and what changes to offer terms or UX improve it. You own both the strategy and the mechanism, so your findings feed directly into what the team builds and tests.\n\n - AI and ways of working. You'll use AI to accelerate and automate your analytical work – not occasionally, but as a default. You should have a view on where it genuinely helps and where a different approach is better.\n\n\n\nThe requirements\n\nEssential:\n\n - Statistical foundations. You have a background in probability and statistics from a quantitative field such as mathematics, physics, or statistics. You're comfortable with Bayesian reasoning, and have applied hierarchical models or formal decision-making under uncertainty in real work.\n\n - Causal inference and experimentation. You've separated signal from noise in observational and experimental data. You know where A/B testing breaks down and what to reach for instead. You have experience with careful experimental design to facilitate clean, trustworthy results.\n\n - Analytical ownership. You take loosely defined problems from start to finish – framing the question, choosing the method, and landing the answer with the people who act on it.\n\n - Data tooling. You're proficient with data manipulation and modelling tools, and with scientific computing libraries (pandas, numpy, sklearn, PyMC).\n\n - AI leverage. You've used AI to produce work you couldn't have delivered without it – an analysis pipeline, a prototype, or a tool others use. You judge where it helps and where it doesn't, and you check its output before anyone acts on it.\n\n - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail for non-technical colleagues in commercial and strategy roles.\n\nBonus:\n\n - Modelling depth. You've built or adapted statistical or ML models and can explain the maths behind them to commercial stakeholders.\n\n - Stochastic methods. You've used stochastic processes for inference or time-series modelling.\n\n - Broker market insight. You've worked with brokers or other intermediaries in lending or financial services.\n\n\n\nThe salary\n\nWe expect to pay from £70,000 to £100,000 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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"7bb3f2ea-3b6f-4b36-ae08-bf0ce7d49cb6","title":"Full-Stack Engineer - Broker Terms Team","department":"Software Engineering and Tech","team":"Software Engineering and Tech","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-27T19:47:49.915+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/7bb3f2ea-3b6f-4b36-ae08-bf0ce7d49cb6","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/7bb3f2ea-3b6f-4b36-ae08-bf0ce7d49cb6/application","descriptionHtml":"Hybrid in London, United Kingdom
We're looking for a Full-Stack Engineer to join the Broker Terms team.
You’ll build the systems behind every offer iwoca makes through brokers, and see your work in the terms each business gets.
The company
Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
Broker Terms is a growing team that owns the full offer terms strategy for businesses that come to iwoca through a broker – both first-time and repeat customers. It sets pricing, loan amounts, durations, and broker commissions, and owns the offer user interface (UI) brokers use in the Introducer Portal. The broker network is iwoca's biggest acquisition channel, and the team is directly responsible for the terms that win those customers.
The team is small and interdisciplinary – commercial strategy, engineering and data science. It turns business questions into quantitative problems, and findings into timely decisions. It works on short-term gains and longer-term bets, and judges both by Customer Lifetime Value – what a business is worth to iwoca across all its borrowing.
There are no fixed office days, and the team meets up for lunch once or twice a month.
The role
As a full-stack engineer in Broker Terms, you'll make changes across iwoca's codebase wherever they'd improve an offer. Most of it is backend – the code that calculates each offer's terms – with some frontend on the UI where brokers see them.
You'll own features and projects from scoping and design through to production, and choose how to build them. You'll help decide what goes on the team's roadmap. You'll learn from the team's experienced engineers, and from the people who price broker offers.
The team is light on process – a daily stand-up, a weekly meeting and regular retrospectives – and you'll have a say in how it works. Brokers see your changes in the Introducer Portal, and A/B tests show you which ones raised Customer Lifetime Value. Your work helps businesses get the funding they need.
Live project examples:
Model-based pricing. Developing the systems that let a model set bespoke pricing for each customer.
No-fee test. Testing how the product performs without drawdown fees, and how that changes the way customers repay.
Loan durations. Building longer-duration Flexi-Loans with flexible repayments.
Offer display. Improving how offers appear to brokers and customers – a better journey, and easier testing for the team's data scientists.
Commission systems. Upgrading iwoca's broker commission systems.
The requirements
Essential:
Backend engineering. You've designed and built backend systems that run in production, ideally in Python, Django and PostgreSQL. You've modelled their data with performance and maintenance in mind.
Frontend engineering. You've built and maintained user interfaces in production, ideally in TypeScript and React.
Ownership. You've taken features end to end, and kept them working once people relied on them.
Trade-offs. You've weighed delivery speed against the long-term health of a system, and can explain what you chose and why.
AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone. You judge when to use it and when not to.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.
Bonus:
DevOps. You've used containers and CI/CD pipelines to deploy your code.
Experimentation. You've worked on A/B tests or other experiments, and used the results to decide what to build next.
Product thinking. You've found the business need behind a feature request, and planned the technical work to meet it.
Financial services. You've worked on lending, payments or pricing systems.
The salary
We expect to pay from £60,000 to £85,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"FULL-STACK ENGINEER - BROKER TERMS TEAM\n\nHybrid in London, United Kingdom\n\n\n\nWe're looking for a Full-Stack Engineer to join the Broker Terms team.\n\nYou’ll build the systems behind every offer iwoca makes through brokers, and see your work in the terms each business gets.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nBroker Terms is a growing team that owns the full offer terms strategy for businesses that come to iwoca through a broker – both first-time and repeat customers. It sets pricing, loan amounts, durations, and broker commissions, and owns the offer user interface (UI) brokers use in the Introducer Portal. The broker network is iwoca's biggest acquisition channel, and the team is directly responsible for the terms that win those customers.\n\nThe team is small and interdisciplinary – commercial strategy, engineering and data science. It turns business questions into quantitative problems, and findings into timely decisions. It works on short-term gains and longer-term bets, and judges both by Customer Lifetime Value – what a business is worth to iwoca across all its borrowing.\n\nThere are no fixed office days, and the team meets up for lunch once or twice a month.\n\n\n\nThe role\n\nAs a full-stack engineer in Broker Terms, you'll make changes across iwoca's codebase wherever they'd improve an offer. Most of it is backend – the code that calculates each offer's terms – with some frontend on the UI where brokers see them.\n\nYou'll own features and projects from scoping and design through to production, and choose how to build them. You'll help decide what goes on the team's roadmap. You'll learn from the team's experienced engineers, and from the people who price broker offers.\n\nThe team is light on process – a daily stand-up, a weekly meeting and regular retrospectives – and you'll have a say in how it works. Brokers see your changes in the Introducer Portal, and A/B tests show you which ones raised Customer Lifetime Value. Your work helps businesses get the funding they need.\n\nLive project examples:\n\n - Model-based pricing. Developing the systems that let a model set bespoke pricing for each customer.\n\n - No-fee test. Testing how the product performs without drawdown fees, and how that changes the way customers repay.\n\n - Loan durations. Building longer-duration Flexi-Loans with flexible repayments.\n\n - Offer display. Improving how offers appear to brokers and customers – a better journey, and easier testing for the team's data scientists.\n\n - Commission systems. Upgrading iwoca's broker commission systems.\n\n\n\nThe requirements\n\nEssential:\n\n - Backend engineering. You've designed and built backend systems that run in production, ideally in Python, Django and PostgreSQL. You've modelled their data with performance and maintenance in mind.\n\n - Frontend engineering. You've built and maintained user interfaces in production, ideally in TypeScript and React.\n\n - Ownership. You've taken features end to end, and kept them working once people relied on them.\n\n - Trade-offs. You've weighed delivery speed against the long-term health of a system, and can explain what you chose and why.\n\n - AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone. You judge when to use it and when not to.\n\n - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.\n\nBonus:\n\n - DevOps. You've used containers and CI/CD pipelines to deploy your code.\n\n - Experimentation. You've worked on A/B tests or other experiments, and used the results to decide what to build next.\n\n - Product thinking. You've found the business need behind a feature request, and planned the technical work to meet it.\n\n - Financial services. You've worked on lending, payments or pricing systems.\n\n\n\nThe salary\n\nWe expect to pay from £60,000 to £85,000 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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"d061f5c7-d898-4029-8ab7-d1eb8ec6fade","title":"Data Privacy Analyst - Regulatory Compliance","department":"Finance, Legal and Compliance","team":"Finance, Legal and Compliance","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-26T14:52:35.678+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/d061f5c7-d898-4029-8ab7-d1eb8ec6fade","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/d061f5c7-d898-4029-8ab7-d1eb8ec6fade/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
The Compliance team’s mission is to keep iwoca a safe and trusted lender for UK small businesses, and to make the compliant path the easy path for the teams we work with.
We make sure iwoca meets its regulatory obligations, particularly the financial crime, sanctions and data protection requirements that apply across our suite of products and services.
We are the second line of defence for the UK business. We advise the people building and running the business on what the rules require, set the policies and standards they work to, and test whether what happens in practice matches them. We work alongside the product teams so that each product meets its obligations and can grow.
Data protection is central to what we do. We hold the data privacy function for the UK business and own how iwoca handles personal data end to end: the lawful basis for how customer, applicant and third-party data is used; data subject access requests and other individual rights; personal data breaches; retention and deletion; records of processing; marketing and consent; the privacy review of new products and features; and the governance of automated decisioning and AI tooling.
How we work:
We enable rather than block. The answer is rarely just “no” — it’s what it would take to get to yes, and what the firm is accepting if it goes ahead anyway.
We go to the source. Positions are grounded in the actual rule, regulation or guidance, and we can show where they come from.
We’re proportionate. Controls match the risk in front of us. We don’t build process for its own sake.
We’re close to the business. We work directly with Tech, Data, Credit, Operations and Legal, and we want to be in the room early rather than at the end.
The role
As Data Privacy Analyst you will run iwoca’s day-to-day UK data protection work and help the business apply UK GDPR, the Data Protection Act 2018 and PECR in practice. Your primary focus will be the statutory core: data subject access requests, data protection impact assessments, legitimate interests assessments, personal data breaches and records of processing.
The role is not only to run that work but to improve it. A significant part of the job is identifying where our privacy operations could be automated, supported by AI or otherwise improved, assessing what each option would take and what it would mean for compliance, and specifying it well enough for our Tech and Data teams to deliver.
There is real room for the role to grow: as you build credibility, so does the scope, towards owning areas of the framework outright, leading on AI and automation governance, and taking a larger advisory remit across the business.
You will report to the Data Privacy Manager and work closely with the Head of Compliance who also acts as iwoca’s DPO, so you will have experienced support on the harder judgement calls. This is a hands-on role and the work is visible — much of it goes to senior stakeholders or to the regulator.
Impact and influence
Individual rights and data breaches. Own data subject access requests from intake to response — scoping the search, applying exemptions and meeting the statutory deadline — along with erasure, rectification and objection requests. Triage and investigate suspected personal data breaches, assess them against the 72-hour notification test, and keep the breach register accurate.
Privacy assessments and advice. Assist with DPIAs, legitimate interests assessments and other privacy reviews on new products, features, suppliers and data flows. Be an accessible first point of contact for teams across iwoca with a data protection question, and give them an answer they can act on, early enough to shape what they build.
Records, policies and reporting. Keep the record of processing activities accurate as the business changes, hold the retention and deletion schedules to account, review data processing agreements with suppliers, help maintain our data protection policies and standards, and produce the privacy reporting that goes to senior stakeholders.
AI and automated decisioning. Help assess AI tooling and automated decision-making across lending and operations: what personal data goes in, what lawful basis supports it, what the model does with it, and what rights customers have over the outcome. That includes the risks specific to these systems — decisions taken without meaningful human involvement, bias in outcomes, unreliable model output — and recommending how we address them.
Automation and improvement. Identify the manual steps in our privacy operations that should not be manual, assess the options, and set out the requirements and compliance implications clearly enough for Tech and Data to deliver them.
The requirements
Essential skills
Experience in data protection or privacy operations, or in a compliance, legal, risk or operational role where data protection was a real part of the job.
Data protection knowledge: A solid practical understanding of UK GDPR, the Data Protection Act 2018 and PECR, and of how the ICO expects firms to apply them. Familiarity with the changes made by the Data (Use and Access) Act 2025 is an advantage.
Privacy operations and assessments: Hands-on experience of statutory work: DSARs, DPIAs, legitimate interests assessments, breach handling, ROPA maintenance or data processing agreement review. You may not have done all of these — but we want to see that you have done some of them properly.
AI and automation: A real interest in, and working understanding of, how data protection law applies to AI and automated decision-making. Enough technical fluency to see where a manual process could be automated, set out what is needed, and hold your own in a conversation with engineers.
Stakeholder management: Comfortable dealing directly with product, engineering, marketing, credit and operations teams, and able to give a non-specialist a clear answer they can act on rather than a legal summary.
Bonus:
Sector experience. Financial services or fintech, ideally in lending or payments.
Credentials. A privacy or AI qualification such as CIPP/E, CIPM, or ICO-recognised practitioner certificates — or working towards one.
Practical tooling. Experience using Claude Code, LLMs or privacy management platforms.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nThe Compliance team’s mission is to keep iwoca a safe and trusted lender for UK small businesses, and to make the compliant path the easy path for the teams we work with.\n\nWe make sure iwoca meets its regulatory obligations, particularly the financial crime, sanctions and data protection requirements that apply across our suite of products and services.\n\nWe are the second line of defence for the UK business. We advise the people building and running the business on what the rules require, set the policies and standards they work to, and test whether what happens in practice matches them. We work alongside the product teams so that each product meets its obligations and can grow.\n\nData protection is central to what we do. We hold the data privacy function for the UK business and own how iwoca handles personal data end to end: the lawful basis for how customer, applicant and third-party data is used; data subject access requests and other individual rights; personal data breaches; retention and deletion; records of processing; marketing and consent; the privacy review of new products and features; and the governance of automated decisioning and AI tooling.\n\n\n\n\nHow we work:\n\n - We enable rather than block. The answer is rarely just “no” — it’s what it would take to get to yes, and what the firm is accepting if it goes ahead anyway.\n\n - We go to the source. Positions are grounded in the actual rule, regulation or guidance, and we can show where they come from.\n\n - We’re proportionate. Controls match the risk in front of us. We don’t build process for its own sake.\n\n - We’re close to the business. We work directly with Tech, Data, Credit, Operations and Legal, and we want to be in the room early rather than at the end.\n\n\n\nThe role\n\nAs Data Privacy Analyst you will run iwoca’s day-to-day UK data protection work and help the business apply UK GDPR, the Data Protection Act 2018 and PECR in practice. Your primary focus will be the statutory core: data subject access requests, data protection impact assessments, legitimate interests assessments, personal data breaches and records of processing.\n\nThe role is not only to run that work but to improve it. A significant part of the job is identifying where our privacy operations could be automated, supported by AI or otherwise improved, assessing what each option would take and what it would mean for compliance, and specifying it well enough for our Tech and Data teams to deliver.\n\nThere is real room for the role to grow: as you build credibility, so does the scope, towards owning areas of the framework outright, leading on AI and automation governance, and taking a larger advisory remit across the business.\n\nYou will report to the Data Privacy Manager and work closely with the Head of Compliance who also acts as iwoca’s DPO, so you will have experienced support on the harder judgement calls. This is a hands-on role and the work is visible — much of it goes to senior stakeholders or to the regulator.\n\nImpact and influence\n\n - Individual rights and data breaches. Own data subject access requests from intake to response — scoping the search, applying exemptions and meeting the statutory deadline — along with erasure, rectification and objection requests. Triage and investigate suspected personal data breaches, assess them against the 72-hour notification test, and keep the breach register accurate.\n\n - Privacy assessments and advice. Assist with DPIAs, legitimate interests assessments and other privacy reviews on new products, features, suppliers and data flows. Be an accessible first point of contact for teams across iwoca with a data protection question, and give them an answer they can act on, early enough to shape what they build.\n\n - Records, policies and reporting. Keep the record of processing activities accurate as the business changes, hold the retention and deletion schedules to account, review data processing agreements with suppliers, help maintain our data protection policies and standards, and produce the privacy reporting that goes to senior stakeholders.\n\n - AI and automated decisioning. Help assess AI tooling and automated decision-making across lending and operations: what personal data goes in, what lawful basis supports it, what the model does with it, and what rights customers have over the outcome. That includes the risks specific to these systems — decisions taken without meaningful human involvement, bias in outcomes, unreliable model output — and recommending how we address them.\n\n - Automation and improvement. Identify the manual steps in our privacy operations that should not be manual, assess the options, and set out the requirements and compliance implications clearly enough for Tech and Data to deliver them.\n\n\n\nThe requirements\n\nEssential skills\n\n - Experience in data protection or privacy operations, or in a compliance, legal, risk or operational role where data protection was a real part of the job.\n\n - Data protection knowledge: A solid practical understanding of UK GDPR, the Data Protection Act 2018 and PECR, and of how the ICO expects firms to apply them. Familiarity with the changes made by the Data (Use and Access) Act 2025 is an advantage.\n\n - Privacy operations and assessments: Hands-on experience of statutory work: DSARs, DPIAs, legitimate interests assessments, breach handling, ROPA maintenance or data processing agreement review. You may not have done all of these — but we want to see that you have done some of them properly.\n\n - AI and automation: A real interest in, and working understanding of, how data protection law applies to AI and automated decision-making. Enough technical fluency to see where a manual process could be automated, set out what is needed, and hold your own in a conversation with engineers.\n\n - Stakeholder management: Comfortable dealing directly with product, engineering, marketing, credit and operations teams, and able to give a non-specialist a clear answer they can act on rather than a legal summary.\n\nBonus:\n\n - Sector experience. Financial services or fintech, ideally in lending or payments.\n\n - Credentials. A privacy or AI qualification such as CIPP/E, CIPM, or ICO-recognised practitioner certificates — or working towards one.\n\n - Practical tooling. Experience using Claude Code, LLMs or privacy management platforms.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"ca57bd02-3433-460c-8a7a-bff6cf4c16a7","title":"Growth Product Manager - Customer Acquisition (German Speaking)","department":"Strategy and Product","team":"Strategy and Product","employmentType":"FullTime","location":"Berlin","secondaryLocations":[],"publishedAt":"2026-10-27T13:12:58.969+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"postalCode":"","addressRegion":"BE","addressCountry":"DE","addressLocality":"Berlin"}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/ca57bd02-3433-460c-8a7a-bff6cf4c16a7","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/ca57bd02-3433-460c-8a7a-bff6cf4c16a7/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
Hybrid in Berlin or London
We’re looking for a Growth Product Manager
Own the systems that decide which German businesses iwoca reaches, and the journey they take from first click to submitted loan application. You’ll join a team that is still being built, with a data scientist in place and engineers being hired in parallel. A good fit if you like working from first principles, and would rather run an experiment than win an argument.
The team
The DE Acquisition Tech team builds the systems behind how German businesses discover iwoca and apply for funding: the models that decide which businesses to approach, the eligibility checks that tell a business early whether iwoca can help, and the signup flow itself. Product, analytics, data science and engineering sit in the same squad by design, so the team can go from hypothesis to shipped change without waiting on anyone else. The German marketing and sales teams depend on this work: the team’s models decide who they contact, and its journeys decide how many of those businesses convert.
The team is being built right now. It currently includes a data scientist, and we’re hiring engineers in parallel – so you would join early enough to shape how the team operates.
The role
This role sits between iwoca’s German commercial teams – marketing, sales and commercial strategy – and the technical squad that builds for them. Reporting into the Head of Direct Acquisition, you will own acquisition and activation outcomes for the German market: finding the opportunities, defining the hypotheses, and working with engineering, data, marketing and sales to build, test and iterate.
The scope is broad. We’re not looking for someone with deep expertise in every domain the team covers – spanning product development, analytics, UX and data science – but rather someone intellectually curious, and skilled at asking the right questions.
Own the funnel from first visit to application
Own every step of that journey, including the signup flow itself and the eligibility checks inside it.
Set the roadmap for acquisition and the signup journey, and decide what the squad builds next.
Own the scoring and segmentation that decides where marketing spends and who sales calls first.
Build with your technical squad
Ship lead scoring systems, eligibility checkers and signup flows with the team’s data scientist and the engineers we’re hiring.
Rework website content, signup flows and decisioning logic with marketing and sales, to convert more of the businesses that already reach iwoca.
Strip friction out of the signup journey, so that applying for funding takes minutes rather than an afternoon.
Be the first call when the numbers look wrong
Act as the technical partner for German marketing, sales and channel management on attribution, tracking and data pipeline problems.
Investigate and resolve data quality issues – broken dashboards, misattributed traffic, unexplained volume changes – often at short notice.
Give channel managers access to, and guidance on, the attribution logic behind their numbers.
Keep the tracking and attribution systems trustworthy, so every decision downstream rests on numbers the team believes.
Run the experiments that decide what ships
Design, run and interpret A/B tests across messaging, targeting, eligibility checks and signup flows.
Find opportunities from first principles, backed by data, customer research and funnel analysis.
Shape how a new team works
Direct the squad’s work day to day: brief the data scientist and engineers, set priorities, and turn their models into shipped products.
Define the priorities, roles and rituals of a team that is still being built.
Lead cross-functional initiatives with marketing and sales, aligning them with engineering and data on shared goals, hypotheses and success metrics.
Turn the commercial strategy team’s goals into testable hypotheses and briefs the squad can act on.
The requirements
Essential:
Experience as a product manager, growth product manager, or in a role with clear ownership of product-led growth outcomes.
Strong analytical capability and experience with experimentation frameworks and A/B testing tools.
Hands-on experience with tracking and attribution setups, such as Amplitude, GA4, GTM, server-side tagging or conversion feedback into ad platforms.
Able to act as the product voice on modelling work – challenging assumptions and turning model output into decisions, without building the models yourself.
Strong capability using AI tools, including structured prompting and iterative AI interaction to problem solve and increase productivity.
Bonus:
Experience in fintech, lending, B2B SaaS, or regulated products.
Experience working with data science teams or involvement in modelling projects.
Fluency in German and strong written communication skills tailored to customer-facing environments.
Knowledge of the German SME ecosystem or B2B financial products.
Experience working in or helping build newly formed teams.
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 development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nHybrid in Berlin or London\n\nWe’re looking for a Growth Product Manager\n\nOwn the systems that decide which German businesses iwoca reaches, and the journey they take from first click to submitted loan application. You’ll join a team that is still being built, with a data scientist in place and engineers being hired in parallel. A good fit if you like working from first principles, and would rather run an experiment than win an argument.\n\n\n\nThe team\n\nThe DE Acquisition Tech team builds the systems behind how German businesses discover iwoca and apply for funding: the models that decide which businesses to approach, the eligibility checks that tell a business early whether iwoca can help, and the signup flow itself. Product, analytics, data science and engineering sit in the same squad by design, so the team can go from hypothesis to shipped change without waiting on anyone else. The German marketing and sales teams depend on this work: the team’s models decide who they contact, and its journeys decide how many of those businesses convert.\n\nThe team is being built right now. It currently includes a data scientist, and we’re hiring engineers in parallel – so you would join early enough to shape how the team operates.\n\n\n\nThe role\n\nThis role sits between iwoca’s German commercial teams – marketing, sales and commercial strategy – and the technical squad that builds for them. Reporting into the Head of Direct Acquisition, you will own acquisition and activation outcomes for the German market: finding the opportunities, defining the hypotheses, and working with engineering, data, marketing and sales to build, test and iterate.\n\nThe scope is broad. We’re not looking for someone with deep expertise in every domain the team covers – spanning product development, analytics, UX and data science – but rather someone intellectually curious, and skilled at asking the right questions.\n\n\n\nOwn the funnel from first visit to application\n\n - Own every step of that journey, including the signup flow itself and the eligibility checks inside it.\n\n - Set the roadmap for acquisition and the signup journey, and decide what the squad builds next.\n\n - Own the scoring and segmentation that decides where marketing spends and who sales calls first.\n\n\n\nBuild with your technical squad\n\n - Ship lead scoring systems, eligibility checkers and signup flows with the team’s data scientist and the engineers we’re hiring.\n\n - Rework website content, signup flows and decisioning logic with marketing and sales, to convert more of the businesses that already reach iwoca.\n\n - Strip friction out of the signup journey, so that applying for funding takes minutes rather than an afternoon.\n\nBe the first call when the numbers look wrong\n\n - Act as the technical partner for German marketing, sales and channel management on attribution, tracking and data pipeline problems.\n\n - Investigate and resolve data quality issues – broken dashboards, misattributed traffic, unexplained volume changes – often at short notice.\n\n - Give channel managers access to, and guidance on, the attribution logic behind their numbers.\n\n - Keep the tracking and attribution systems trustworthy, so every decision downstream rests on numbers the team believes.\n\n\n\nRun the experiments that decide what ships\n\n - Design, run and interpret A/B tests across messaging, targeting, eligibility checks and signup flows.\n\n - Find opportunities from first principles, backed by data, customer research and funnel analysis.\n\n\n\nShape how a new team works\n\n - Direct the squad’s work day to day: brief the data scientist and engineers, set priorities, and turn their models into shipped products.\n\n - Define the priorities, roles and rituals of a team that is still being built.\n\n - Lead cross-functional initiatives with marketing and sales, aligning them with engineering and data on shared goals, hypotheses and success metrics.\n\n - Turn the commercial strategy team’s goals into testable hypotheses and briefs the squad can act on.\n\n\n\nThe requirements\n\nEssential:\n\n - Experience as a product manager, growth product manager, or in a role with clear ownership of product-led growth outcomes.\n\n - Strong analytical capability and experience with experimentation frameworks and A/B testing tools.\n\n - Hands-on experience with tracking and attribution setups, such as Amplitude, GA4, GTM, server-side tagging or conversion feedback into ad platforms.\n\n - Able to act as the product voice on modelling work – challenging assumptions and turning model output into decisions, without building the models yourself.\n\n - Strong capability using AI tools, including structured prompting and iterative AI interaction to problem solve and increase productivity.\n\nBonus:\n\n - Experience in fintech, lending, B2B SaaS, or regulated products.\n\n - Experience working with data science teams or involvement in modelling projects.\n\n - Fluency in German and strong written communication skills tailored to customer-facing environments.\n\n - Knowledge of the German SME ecosystem or B2B financial products.\n\n - Experience working in or helping build newly formed teams.\n\n\n\nThe salary\n\nWe 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.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"bd586902-9775-4148-a8a1-1f714964d96c","title":"Senior Full-Stack Engineer - Credit Cards","department":"Software Engineering and Tech","team":"Software Engineering and Tech","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-29T09:22:57.590+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/bd586902-9775-4148-a8a1-1f714964d96c","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/bd586902-9775-4148-a8a1-1f714964d96c/application","descriptionHtml":"Hybrid in London, United Kingdom
We’re looking for a Senior Full-Stack Engineer.
You’ll build features on iwoca’s business credit card and own each one from the first line of code to the moment a customer makes their first spend.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £5 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
iwoca launched its business credit card in 2026. It gives small businesses a fast, flexible way to pay for what they need and control their cash flow, alongside iwoca’s loans. The card is a core part of iwoca’s long-term growth.
The Credit Cards team builds what business owners use to sign up, get their card, and manage it, on the web and in the iwoca Mobile App. It’s cross-functional – engineers collaborate with product and design.
The role
As a senior full-stack engineer, you’ll work mostly on the backend, and build the frontend for your features too.
Ownership. You’ll shape what the team builds next, starting from what customers need. You’ll decide how each of your features works, from the data model and API to how you test, release, and monitor it.
Impact. Business owners use your work every time they check their cashback, set spend controls, or freeze a lost card. The team releases often, and your changes reach them quickly.
Variation. You’ll write Python and FastAPI services backed by PostgreSQL, and React and TypeScript for the web. You’ll also work in React Native on the iwoca Mobile App, and on the Credit Cards CRM that operations staff use, when a feature needs it.
Card expertise. You’ll learn how card transactions work – from the card processor to the card scheme – alongside the engineers who build iwoca’s payments platform.
AI-first engineering. You’ll build with AI coding tools as standard. On the iwoca Mobile App, for example, the team writes a spec for each feature and reviews it before building it with Claude Code.
The requirements
Essential:
Backend engineering. You've built well-tested Python services for customer-facing products, and kept them working once people relied on them.
Data models and APIs. You've designed relational data models, ideally in PostgreSQL, and built and integrated APIs.
Frontend. You've written enough React and TypeScript to build and ship customer-facing features.
Product ownership. You've taken features from an idea to production and owned them once they were live. You've challenged a plan when it didn't meet a customer need, and offered a better one.
AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone, at work or in your own projects. You judge when to use it and when not to, and you check its output before it reaches production.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.
Bonus:
Mobile. You've developed iOS or Android app features, ideally in React Native.
Fintech. You've worked on financial products, especially card payments.
FastAPI. You've built and run production services with FastAPI.
Internal tools. You've written software for operations or support staff.
The salary
We expect to pay from £80,000 to £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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"SENIOR FULL-STACK ENGINEER - CREDIT CARDS\n\nHybrid in London, United Kingdom\n\n\n\nWe’re looking for a Senior Full-Stack Engineer.\n\nYou’ll build features on iwoca’s business credit card and own each one from the first line of code to the moment a customer makes their first spend.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £5 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\niwoca launched its business credit card in 2026. It gives small businesses a fast, flexible way to pay for what they need and control their cash flow, alongside iwoca’s loans. The card is a core part of iwoca’s long-term growth.\n\nThe Credit Cards team builds what business owners use to sign up, get their card, and manage it, on the web and in the iwoca Mobile App. It’s cross-functional – engineers collaborate with product and design.\n\n\n\nThe role\n\nAs a senior full-stack engineer, you’ll work mostly on the backend, and build the frontend for your features too.\n\n - Ownership. You’ll shape what the team builds next, starting from what customers need. You’ll decide how each of your features works, from the data model and API to how you test, release, and monitor it.\n\n - Impact. Business owners use your work every time they check their cashback, set spend controls, or freeze a lost card. The team releases often, and your changes reach them quickly.\n\n - Variation. You’ll write Python and FastAPI services backed by PostgreSQL, and React and TypeScript for the web. You’ll also work in React Native on the iwoca Mobile App, and on the Credit Cards CRM that operations staff use, when a feature needs it.\n\n - Card expertise. You’ll learn how card transactions work – from the card processor to the card scheme – alongside the engineers who build iwoca’s payments platform.\n\n - AI-first engineering. You’ll build with AI coding tools as standard. On the iwoca Mobile App, for example, the team writes a spec for each feature and reviews it before building it with Claude Code.\n\n\n\nThe requirements\n\nEssential:\n\n - Backend engineering. You've built well-tested Python services for customer-facing products, and kept them working once people relied on them.\n\n - Data models and APIs. You've designed relational data models, ideally in PostgreSQL, and built and integrated APIs.\n\n - Frontend. You've written enough React and TypeScript to build and ship customer-facing features.\n\n - Product ownership. You've taken features from an idea to production and owned them once they were live. You've challenged a plan when it didn't meet a customer need, and offered a better one.\n\n - AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone, at work or in your own projects. You judge when to use it and when not to, and you check its output before it reaches production.\n\n - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.\n\nBonus:\n\n - Mobile. You've developed iOS or Android app features, ideally in React Native.\n\n - Fintech. You've worked on financial products, especially card payments.\n\n - FastAPI. You've built and run production services with FastAPI.\n\n - Internal tools. You've written software for operations or support staff.\n\n\n\nThe salary\n\nWe expect to pay from £80,000 to £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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap (TAP)"},{"id":"5d3e7473-39b7-4084-81ab-646e7b792fa4","title":"Senior Backend Engineer - Introducer Tech","department":"Software Engineering and Tech","team":"Software Engineering and Tech","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-29T12:14:27.242+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/5d3e7473-39b7-4084-81ab-646e7b792fa4","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/5d3e7473-39b7-4084-81ab-646e7b792fa4/application","descriptionHtml":"Hybrid in London / Remote within the UK
We’re looking for a Senior Backend Engineer
You'll own the Lending API in Germany, which banks, fintechs, brokers, and comparison sites build on to offer iwoca's finance to their customers. You'll decide how it evolves and help build the features that make partners choose iwoca.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £5 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
Introducer Tech builds the systems that partners in Germany use to refer businesses to iwoca. The aim is to get new partners integrated quickly and to make applying simple for their customers. The team also looks after how partners earn commission.
Its work covers three main areas:
The Lending API. Developing the versioned API and the webhooks that keep partners up to date on their customers.
The Introducer Portal. Building the web app that German brokers log in to, to submit applications and upload documents.
The sign-up journey. Improving how businesses apply and how well they convert, after a partner referral.
The team is growing to have two product managers, who each focus on either the broker or the partner flow, and three engineers across the backend and frontend, including this hire.
The team currently works in sprints, with three stand-ups a week and planning every two weeks. However, there is room to adapt how it works as it grows.
The role
You'll be the senior engineer behind iwoca's broker and partner channels in Germany, from the tools partners integrate with to the internal systems that broker account managers use.
Ownership and autonomy
Own the Lending API in Germany end to end, deciding what to build, when to release a new version, when to retire an old one, and what iwoca can promise partners.
Own the developer portal and every tool partners use to integrate, from documentation that their developers and coding agents can build from to self-serve testing that needs no help from iwoca.
Impact
Ship the features that make partners choose iwoca, starting with pre-qualification, which shows a customer what they could borrow before they apply.
Make integration quick and simple, so a partner can go live with few questions and little hand-holding.
Automate parts of the broker funnel and the internal CRM that broker account managers use, cutting friction and the lag between a decision and the action that follows, and building agents wherever they help.
Growth trajectory
Set the team's technical direction and shape the product and technical roadmap alongside the product manager.
Align designs with the UK engineers who share the API, so German requirements shape the design from the start.
As well as being hands on, you’ll develop your mentoring and coaching skills. You’ll help lead the team as the most senior engineer.
You'll work with the commercial colleagues who bring in new partners, and join the team's weekly support rotation.
The requirements
Essential:
Backend engineering. You've designed and built production backend systems in Python – ideally with Django, though FastAPI or Flask count too. You've used PostgreSQL or another relational database in production, and kept it fast and maintainable.
API design. You've built and evolved APIs that other teams or companies depend on, and made the decisions on structure, versioning, and change.
Ownership. You've taken work from a commercial problem through to production – scoping the solution, making the trade-offs, and iterating based on how people use it.
Mentoring. You've helped other engineers grow through code reviews and design sessions.
AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone. You judge when to use it and when not to.
Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.
Bonus:
Partner onboarding. You've helped external developers integrate with an API – through documentation, test environments, or working with them directly.
Full-stack. You've contributed to frontend codebases, particularly in React or TypeScript.
CI/CD. You've set up or maintained the pipelines that test and release a production service.
Measurement. You've used data, metrics, or A/B tests to check whether a change had the effect you intended.
The salary
We expect to pay from £80,000 to £100,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"SENIOR BACKEND ENGINEER - INTRODUCER TECH - DE\n\nHybrid in London / Remote within the UK\n\n\n\nWe’re looking for a Senior Backend Engineer\n\nYou'll own the Lending API in Germany, which banks, fintechs, brokers, and comparison sites build on to offer iwoca's finance to their customers. You'll decide how it evolves and help build the features that make partners choose iwoca.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £5 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nThe team\n\nIntroducer Tech builds the systems that partners in Germany use to refer businesses to iwoca. The aim is to get new partners integrated quickly and to make applying simple for their customers. The team also looks after how partners earn commission.\n\nIts work covers three main areas:\n\n - The Lending API. Developing the versioned API and the webhooks that keep partners up to date on their customers.\n\n - The Introducer Portal. Building the web app that German brokers log in to, to submit applications and upload documents.\n\n - The sign-up journey. Improving how businesses apply and how well they convert, after a partner referral.\n\nThe team is growing to have two product managers, who each focus on either the broker or the partner flow, and three engineers across the backend and frontend, including this hire.\n\nThe team currently works in sprints, with three stand-ups a week and planning every two weeks. However, there is room to adapt how it works as it grows.\n\n\n\nThe role\n\nYou'll be the senior engineer behind iwoca's broker and partner channels in Germany, from the tools partners integrate with to the internal systems that broker account managers use.\n\nOwnership and autonomy\n\n - Own the Lending API in Germany end to end, deciding what to build, when to release a new version, when to retire an old one, and what iwoca can promise partners.\n\n - Own the developer portal and every tool partners use to integrate, from documentation that their developers and coding agents can build from to self-serve testing that needs no help from iwoca.\n\nImpact\n\n - Ship the features that make partners choose iwoca, starting with pre-qualification, which shows a customer what they could borrow before they apply.\n\n - Make integration quick and simple, so a partner can go live with few questions and little hand-holding.\n\n - Automate parts of the broker funnel and the internal CRM that broker account managers use, cutting friction and the lag between a decision and the action that follows, and building agents wherever they help.\n\nGrowth trajectory\n\n - Set the team's technical direction and shape the product and technical roadmap alongside the product manager.\n\n - Align designs with the UK engineers who share the API, so German requirements shape the design from the start.\n\n - As well as being hands on, you’ll develop your mentoring and coaching skills. You’ll help lead the team as the most senior engineer.\n\nYou'll work with the commercial colleagues who bring in new partners, and join the team's weekly support rotation.\n\n\n\nThe requirements\n\nEssential:\n\n - Backend engineering. You've designed and built production backend systems in Python – ideally with Django, though FastAPI or Flask count too. You've used PostgreSQL or another relational database in production, and kept it fast and maintainable.\n\n - API design. You've built and evolved APIs that other teams or companies depend on, and made the decisions on structure, versioning, and change.\n\n - Ownership. You've taken work from a commercial problem through to production – scoping the solution, making the trade-offs, and iterating based on how people use it.\n\n - Mentoring. You've helped other engineers grow through code reviews and design sessions.\n\n - AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone. You judge when to use it and when not to.\n\n - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.\n\nBonus:\n\n - Partner onboarding. You've helped external developers integrate with an API – through documentation, test environments, or working with them directly.\n\n - Full-stack. You've contributed to frontend codebases, particularly in React or TypeScript.\n\n - CI/CD. You've set up or maintained the pipelines that test and release a production service.\n\n - Measurement. You've used data, metrics, or A/B tests to check whether a change had the effect you intended.\n\n\n\nThe salary\n\nWe expect to pay from £80,000 to £100,000 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.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk.\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap."},{"id":"2ae4b4fc-e85d-4710-8bd3-99cfe3dfda4a","title":"Product Owner - Acquitech","department":"Strategy and Product","team":"Strategy and Product","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-11-02T11:40:26.664+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/2ae4b4fc-e85d-4710-8bd3-99cfe3dfda4a","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/2ae4b4fc-e85d-4710-8bd3-99cfe3dfda4a/application","descriptionHtml":"Hybrid in London, UK
We're looking for a Product Owner to join the Acquitech team.
You'll own the roadmap for the team behind iwoca's acquisition data, technology and models.
The company
Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star service ensure business owners can act with the speed, confidence and control they need, exactly when it's needed.
We've already cleared the way for 100,000 businesses with more than £5 billion in funding. Our team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they power.
The team
Acquitech builds and maintains the data infrastructure behind iwoca's direct acquisition channels. The team's aim is to get the right data to the right places – so ad platforms find businesses worth reaching, analysts trust the reports they build, and the sales team knows who to call first.
The team works across four areas:
Tracking and attribution. Recording every lead and sign-up accurately, and sending conversion data back to ad platforms so their algorithms improve over time.
Customer value prediction. Building models that estimate a potential customer's expected value, used to guide where marketing spends, who receives direct mail and which businesses a salesperson prioritises.
The data layer. Providing a clear, trusted foundation so analysts and channel managers can build reporting without second-guessing the numbers.
Team tooling and automation. Building tools and automated workflows, from automating sales task assignment to running LLM analysis on sales calls so the team can review performance at scale.
The team is small – three engineers, two data scientists and you – with the senior engineer sharing the day-to-day leadership. You'll report to a Senior Product Owner in an adjacent team.
The role
As Product Owner in Acquitech, you'll turn requests from marketing and sales into well-scoped work the team can deliver, and own the roadmap. You'll have real ownership of systems that directly shape acquisition spend, and the space to move quickly in a small, capable team. The work mixes delivery – compliance sign-offs, ad platform integrations and product changes – with discovery cycles where you prototype and test ideas quickly.
You'll become the go-to person for Acquitech systems and processes, and you'll use AI to multiply what a small team can deliver – from prototyping ideas to automating workflows for the team and its stakeholders.
Roadmap and priorities. You'll own priorities across Acquitech's work, writing clear requirements and seeing them through to release. You'll set direction with the Head of Direct Acquisition and the channel leads who depend on the team.
Tracking and ad platform integrations. You'll lead the team's work on conversion tracking, custom audiences and API migrations. You'll own the product change documentation that comes with them, working through Compliance, Data Privacy and Legal.
Discovery. You'll run discovery work to find new opportunities, using AI to prototype and test ideas quickly, and bring findings back to the wider business – for example through weekly learning sessions.
Ways of working. You'll run the team's rhythms – stand-ups, retros and monthly reviews – and set clear quarterly goals.
The requirements
Essential:
Product ownership. You've worked in a product role, managing several projects end to end – writing requirements, owning priorities and being accountable for results.
Data literacy. You use data to diagnose problems, size opportunities and evaluate whether a release delivered what you hoped.
Technical fluency. You can discuss trade-offs with engineers around APIs, tracking pipelines and data flows. You follow the argument without needing everything translated.
Communication. You write and speak clearly. You adapt technical detail for commercial colleagues and commercial context for engineers.
Leadership. You're comfortable running stand-ups and retros, setting quarterly goals and keeping priorities clear.
AI leverage. You've built AI workflows, or used AI to produce specs, analysis, or prototypes beyond what you could deliver alone. You judge when to use it and when not to.
Bonus:
Marketing technology. You've worked with tools such as Google Tag Manager, Google Analytics 4, Google Ads or Meta Ads, or on conversion tracking and attribution.
Analytics tools. You've used Looker, Amplitude or a similar analytics platform to build or maintain reporting.
Data pipelines. You understand ETL concepts or database architecture.
Data science collaboration. You've worked alongside data scientists or contributed to a modelling project.
Regulated products. You've worked in fintech, lending or another regulated product area.
The salary
We expect to pay from £50,000 to £70,000 for this role. We're open-minded, so 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every team member always has access to the best models and where those models have access to all of our data. We help our people to learn how to use and grow with the new tools available to them.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
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.
Useful links:
","descriptionPlain":"PRODUCT OWNER - SALES & MARKETING, ACQUISITION TECHNOLOGY\n\nHybrid in London, UK\n\n\n\nWe're looking for a Product Owner to join the Acquitech team.\n\nYou'll own the roadmap for the team behind iwoca's acquisition data, technology and models.\n\n\n\nThe company\n\nSmall businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star service ensure business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe've already cleared the way for 100,000 businesses with more than £5 billion in funding. Our team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they power.\n\n\n\nThe team\n\nAcquitech builds and maintains the data infrastructure behind iwoca's direct acquisition channels. The team's aim is to get the right data to the right places – so ad platforms find businesses worth reaching, analysts trust the reports they build, and the sales team knows who to call first.\n\nThe team works across four areas:\n\n - Tracking and attribution. Recording every lead and sign-up accurately, and sending conversion data back to ad platforms so their algorithms improve over time.\n\n - Customer value prediction. Building models that estimate a potential customer's expected value, used to guide where marketing spends, who receives direct mail and which businesses a salesperson prioritises.\n\n - The data layer. Providing a clear, trusted foundation so analysts and channel managers can build reporting without second-guessing the numbers.\n\n - Team tooling and automation. Building tools and automated workflows, from automating sales task assignment to running LLM analysis on sales calls so the team can review performance at scale.\n\nThe team is small – three engineers, two data scientists and you – with the senior engineer sharing the day-to-day leadership. You'll report to a Senior Product Owner in an adjacent team.\n\n\n\nThe role\n\nAs Product Owner in Acquitech, you'll turn requests from marketing and sales into well-scoped work the team can deliver, and own the roadmap. You'll have real ownership of systems that directly shape acquisition spend, and the space to move quickly in a small, capable team. The work mixes delivery – compliance sign-offs, ad platform integrations and product changes – with discovery cycles where you prototype and test ideas quickly.\n\nYou'll become the go-to person for Acquitech systems and processes, and you'll use AI to multiply what a small team can deliver – from prototyping ideas to automating workflows for the team and its stakeholders.\n\n - Roadmap and priorities. You'll own priorities across Acquitech's work, writing clear requirements and seeing them through to release. You'll set direction with the Head of Direct Acquisition and the channel leads who depend on the team.\n\n - Tracking and ad platform integrations. You'll lead the team's work on conversion tracking, custom audiences and API migrations. You'll own the product change documentation that comes with them, working through Compliance, Data Privacy and Legal.\n\n - Discovery. You'll run discovery work to find new opportunities, using AI to prototype and test ideas quickly, and bring findings back to the wider business – for example through weekly learning sessions.\n\n - Ways of working. You'll run the team's rhythms – stand-ups, retros and monthly reviews – and set clear quarterly goals.\n\n\n\nThe requirements\n\nEssential:\n\n - Product ownership. You've worked in a product role, managing several projects end to end – writing requirements, owning priorities and being accountable for results.\n\n - Data literacy. You use data to diagnose problems, size opportunities and evaluate whether a release delivered what you hoped.\n\n - Technical fluency. You can discuss trade-offs with engineers around APIs, tracking pipelines and data flows. You follow the argument without needing everything translated.\n\n - Communication. You write and speak clearly. You adapt technical detail for commercial colleagues and commercial context for engineers.\n\n - Leadership. You're comfortable running stand-ups and retros, setting quarterly goals and keeping priorities clear.\n\n - AI leverage. You've built AI workflows, or used AI to produce specs, analysis, or prototypes beyond what you could deliver alone. You judge when to use it and when not to.\n\nBonus:\n\n - Marketing technology. You've worked with tools such as Google Tag Manager, Google Analytics 4, Google Ads or Meta Ads, or on conversion tracking and attribution.\n\n - Analytics tools. You've used Looker, Amplitude or a similar analytics platform to build or maintain reporting.\n\n - Data pipelines. You understand ETL concepts or database architecture.\n\n - Data science collaboration. You've worked alongside data scientists or contributed to a modelling project.\n\n - Regulated products. You've worked in fintech, lending or another regulated product area.\n\n\n\nThe salary\n\nWe expect to pay from £50,000 to £70,000 for this role. We're open-minded, so include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.\n\n\n\nThe culture\n\nAt iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.\n\nWe're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every team member always has access to the best models and where those models have access to all of our data. We help our people to learn how to use and grow with the new tools available to them.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we've been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap (TAP)"},{"id":"f4238eea-5f9e-4648-b43b-d60caea89253","title":"Performance Creative Strategist","department":"Marketing, PR and Communications ","team":"Marketing, PR and Communications ","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-11-02T14:20:26.510+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/f4238eea-5f9e-4648-b43b-d60caea89253","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/f4238eea-5f9e-4648-b43b-d60caea89253/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
You'll own the creative engine behind one of iwoca's highest-growth channels. Your mission is to turn performance insights into a steady stream of ads that actually cut through in a category where most look the same, building the creative infrastructure that fuels scalable, measurable growth across Meta, TikTok, and beyond.
Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science, and five-star customer service ensure business owners can act with the speed, confidence, and control they need, exactly when it's needed.
We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The Direct Acquisition team at iwoca acquires customers profitably across paid and organic channels. Paid Social is one of our highest-growth channels - we've validated the opportunity, proven incrementality through conversion lift studies, and scaled from test budgets to six-figure monthly spend across Meta and TikTok.
Creative is the core growth lever for the channel. We've learnt that the ad is the targeting, that creator-led content significantly outperforms traditional UGC in funnel conversion, and that the gap between a good concept and a great one is the difference between breaking even and scaling aggressively. But we've also learnt that building a creative engine - sourcing creators, briefing agencies, managing production, and connecting it all to testing insights - is a full-time challenge that deserves dedicated, passionate ownership.
You'll work closely with a tight group of collaborators:
Paid Social Channel Lead: Sets strategy and manages performance.
Paid Social Executive; Launching/optimising campaigns and reporting performance/insights
Head of Brand: Shapes creative direction and ensures brand consistency.
In-house Designers: Produce statics and AI-assisted imagery.
External Partner Network: Includes UGC agencies, creator management platforms, and freelance video editors.
We need someone genuinely obsessed with what makes people stop scrolling, who understands social platforms intuitively because they live on them, and can translate that into a disciplined creative operation that delivers results.
Develop the creative roadmap for paid social, working with the channel owners to translate performance data, testing insights, and cultural trends into a pipeline of concepts across video, static, UGC, partnership ads, and emerging formats.
Work with the channel owners and brand team to shape creative direction for multiple products including our core flexi-loan and a new credit card ensuring each has a distinct identity that stands out in-feed.
Push beyond the generic stock imagery and safe messaging that dominates financial services. Find the concepts, formats, and creators that people actually notice.
Research & understand customers, translating insights into creative concepts.
Balance high-performing hooks with positioning iwoca as a mature, trustworthy lender.
Own the full production pipeline: concept through briefing, production, feedback, delivery, and asset management.
Build and manage a network of in-house designers, external UGC agencies, and a self-built roster of creators for partnership ads, who can speak authentically about business finance.
Manage contracts, usage rights, and production timelines across multiple concurrent projects, balancing quality with velocity.
Tie creator content to seasonal business moments such as stock purchasing ahead of peak trading seasons or year-end cash flow to maximise relevance.
Work with the channel owners to build a creative testing framework connecting platform metrics such as hook rate, hold rate, CTR, and landing page conversion to commercial outcomes.
Turn monthly creative reviews into actionable briefs: what to iterate, what to retire, what to double down on.
Proven track record producing paid social creative that drives measurable business outcomes, not just engagement.
Deep fluency with Meta and TikTok, understanding how algorithms reward creative, how formats perform differently, what makes content feel native.
Experience managing creative production across multiple formats and partners simultaneously.
Strong project & stakeholder management with a proven ability to source, brief, and manage creators or influencers, including negotiating usage rights and partnership arrangements.
Strong creative judgement paired with commercial discipline; ie. you can tell the difference between a concept that will perform and one that just looks good in a deck.
Social native. You live on these platforms. Understanding of performance marketing / paid social creative landscape and industry trends.
B2B or financial services paid social experience (or strong B2C analytical chops that transfer).
Hands-on video production or editing skills.
Experience with creator management platforms (e.g. Grin, CreatorIQ).
Familiarity with creative testing methodologies and connecting creative variables to conversion.
An existing network of creators, UGC producers, or freelance creative talent.
The culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\n\nOVERVIEW\n\nYou'll own the creative engine behind one of iwoca's highest-growth channels. Your mission is to turn performance insights into a steady stream of ads that actually cut through in a category where most look the same, building the creative infrastructure that fuels scalable, measurable growth across Meta, TikTok, and beyond.\n\n\n\n\nABOUT IWOCA\n\nSmall businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.\n\n\n\nThat's why we built iwoca. Our smart technology, data science, and five-star customer service ensure business owners can act with the speed, confidence, and control they need, exactly when it's needed.\n\n\n\nWe've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\n\nTHE TEAM\n\nThe Direct Acquisition team at iwoca acquires customers profitably across paid and organic channels. Paid Social is one of our highest-growth channels - we've validated the opportunity, proven incrementality through conversion lift studies, and scaled from test budgets to six-figure monthly spend across Meta and TikTok.\n\n\n\nCreative is the core growth lever for the channel. We've learnt that the ad is the targeting, that creator-led content significantly outperforms traditional UGC in funnel conversion, and that the gap between a good concept and a great one is the difference between breaking even and scaling aggressively. But we've also learnt that building a creative engine - sourcing creators, briefing agencies, managing production, and connecting it all to testing insights - is a full-time challenge that deserves dedicated, passionate ownership.\n\n\n\nYou'll work closely with a tight group of collaborators:\n\n\n\n - Paid Social Channel Lead: Sets strategy and manages performance.\n\n - Paid Social Executive; Launching/optimising campaigns and reporting performance/insights\n\n - Head of Brand: Shapes creative direction and ensures brand consistency.\n\n - In-house Designers: Produce statics and AI-assisted imagery.\n\n - External Partner Network: Includes UGC agencies, creator management platforms, and freelance video editors.\n\n\n\n\nTHE ROLE\n\nWe need someone genuinely obsessed with what makes people stop scrolling, who understands social platforms intuitively because they live on them, and can translate that into a disciplined creative operation that delivers results.\n\n\n\n\nCREATIVE VISION AND STRATEGY\n\n - Develop the creative roadmap for paid social, working with the channel owners to translate performance data, testing insights, and cultural trends into a pipeline of concepts across video, static, UGC, partnership ads, and emerging formats.\n\n - Work with the channel owners and brand team to shape creative direction for multiple products including our core flexi-loan and a new credit card ensuring each has a distinct identity that stands out in-feed.\n\n - Push beyond the generic stock imagery and safe messaging that dominates financial services. Find the concepts, formats, and creators that people actually notice.\n\n - Research & understand customers, translating insights into creative concepts.\n\n - Balance high-performing hooks with positioning iwoca as a mature, trustworthy lender.\n\n\nCREATIVE PRODUCTION AND RESOURCE MANAGEMENT\n\n - Own the full production pipeline: concept through briefing, production, feedback, delivery, and asset management.\n\n - Build and manage a network of in-house designers, external UGC agencies, and a self-built roster of creators for partnership ads, who can speak authentically about business finance.\n\n - Manage contracts, usage rights, and production timelines across multiple concurrent projects, balancing quality with velocity.\n\n - Tie creator content to seasonal business moments such as stock purchasing ahead of peak trading seasons or year-end cash flow to maximise relevance.\n\n\nTESTING, INSIGHTS AND ITERATION\n\n - Work with the channel owners to build a creative testing framework connecting platform metrics such as hook rate, hold rate, CTR, and landing page conversion to commercial outcomes.\n\n - Turn monthly creative reviews into actionable briefs: what to iterate, what to retire, what to double down on.\n\n\nREQUIREMENTS\n\n\nESSENTIAL\n\n - Proven track record producing paid social creative that drives measurable business outcomes, not just engagement.\n\n - Deep fluency with Meta and TikTok, understanding how algorithms reward creative, how formats perform differently, what makes content feel native.\n\n - Experience managing creative production across multiple formats and partners simultaneously.\n\n - Strong project & stakeholder management with a proven ability to source, brief, and manage creators or influencers, including negotiating usage rights and partnership arrangements.\n\n - Strong creative judgement paired with commercial discipline; ie. you can tell the difference between a concept that will perform and one that just looks good in a deck.\n\n - Social native. You live on these platforms. Understanding of performance marketing / paid social creative landscape and industry trends.\n\n\nNICE TO HAVE\n\n - B2B or financial services paid social experience (or strong B2C analytical chops that transfer).\n\n - Hands-on video production or editing skills.\n\n - Experience with creator management platforms (e.g. Grin, CreatorIQ).\n\n - Familiarity with creative testing methodologies and connecting creative variables to conversion.\n\n - An existing network of creators, UGC producers, or freelance creative talent.\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"},{"id":"cef22eea-a973-436a-80ea-c5a32792d4c5","title":"Risk Analyst ","department":"Risk and Lending Strategy","team":"Risk and Lending Strategy","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-11-03T17:15:22.264+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"United Kingdom ","addressCountry":"United Kingdom","addressLocality":"London "}},"jobUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/cef22eea-a973-436a-80ea-c5a32792d4c5","applyUrl":"https://jobs.ashbyhq.com/iwoca.co.uk/cef22eea-a973-436a-80ea-c5a32792d4c5/application","descriptionHtml":"The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We’re looking for a Risk Analyst
You'll support & refine our lending strategy within Germany, including supporting new growth initiatives, designing & analysing tests, supporting the development of our scorecards and underwriting strategy, and managing our portfolio risk.
Working closely with data scientists, credit analysts and cross functional teams, you’ll solve analytical problems to help us provide small & medium size businesses in Germany with the funds they need to grow.
The team
The Lending Strategy team decides who iwoca lends to in Germany, and on what terms. Its work covers model development, lending strategy, and portfolio risk. The team works closely with Data Science (credit models), Product, tech teams, Operations Strategy, and our team of Credit Analysts. The team’s work is central to iwoca Germany’s growth and has a direct impact on both customer outcomes and business performance. The team includes data scientists, developers, and risk analysts, all working hybrid schedules in London.
The role
We're looking for a curious and motivated individual to join our Lending Strategy team as a Risk Analyst. You’ll work with analysts, data scientists, and senior stakeholders to shape iwoca Germany’s lending strategy.
Key responsibilities include:
Build expertise in the credit domain.
Develop your analytical skills through exposure to different experimental approaches and complex analysis.
Play a leading role in providing insightful analytics on the risk profile of our lending book and assisting with lending strategy decisions.
Partner with key stakeholders within Team Germany in order to provide credit risk expertise to multi-disciplinary projects.
Work closely with the data science teams to improve our credit assessment scorecards & strategies (both for our automated and manual underwriting processes).
Develop and maintain reporting dashboards, presenting a clear picture of the state of our lending.
Practice turning data into information, and information into insights, so that you and various stakeholders can deliver improvements with real impact for our customers.
The requirements
We look for people that are smart, humble, motivated and who are always looking to improve.
Essential:
A degree in a quantitative field such as Mathematics, Physics, Engineering, or similar.
Ability to analyse data and generate insights to support decisions.
Clear written and verbal communication, with the ability to tailor analysis and recommendations to different audiences.
An analytical mindset with a practical approach to problem solving.
A bucket-load of common sense.
A commitment to using modern tools effectively – including AI – to maximise quality, speed, and rigour, while retaining responsibility for accuracy and outcomes.
Bonus:
Experience in B2B or B2C credit risk lending and strategy.
Experience with SQL and Python
Experience with data visualisation tools like Looker
The salary
We expect to pay from £40,000–£55,000 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 development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.
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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
The benefits
Flexible working hours.
Medical insurance from Vitality, including discounted gym membership.
A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
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.
Useful links:
","descriptionPlain":"The company\n\nSmall businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.\n\nThat's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.\n\nWe’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.\n\n\n\nWe’re looking for a Risk Analyst\n\nYou'll support & refine our lending strategy within Germany, including supporting new growth initiatives, designing & analysing tests, supporting the development of our scorecards and underwriting strategy, and managing our portfolio risk.\n\nWorking closely with data scientists, credit analysts and cross functional teams, you’ll solve analytical problems to help us provide small & medium size businesses in Germany with the funds they need to grow.\n\n\n\nThe team\n\nThe Lending Strategy team decides who iwoca lends to in Germany, and on what terms. Its work covers model development, lending strategy, and portfolio risk. The team works closely with Data Science (credit models), Product, tech teams, Operations Strategy, and our team of Credit Analysts. The team’s work is central to iwoca Germany’s growth and has a direct impact on both customer outcomes and business performance. The team includes data scientists, developers, and risk analysts, all working hybrid schedules in London.\n\n \n\nThe role\n\nWe're looking for a curious and motivated individual to join our Lending Strategy team as a Risk Analyst. You’ll work with analysts, data scientists, and senior stakeholders to shape iwoca Germany’s lending strategy. \n\n\n\nKey responsibilities include: \n\n - Build expertise in the credit domain.\n\n - Develop your analytical skills through exposure to different experimental approaches and complex analysis.\n\n - Play a leading role in providing insightful analytics on the risk profile of our lending book and assisting with lending strategy decisions.\n\n - Partner with key stakeholders within Team Germany in order to provide credit risk expertise to multi-disciplinary projects.\n\n - Work closely with the data science teams to improve our credit assessment scorecards & strategies (both for our automated and manual underwriting processes).\n\n - Develop and maintain reporting dashboards, presenting a clear picture of the state of our lending.\n\n - Practice turning data into information, and information into insights, so that you and various stakeholders can deliver improvements with real impact for our customers.\n \n \n\nThe requirements\n\nWe look for people that are smart, humble, motivated and who are always looking to improve.\n\nEssential:\n\n - A degree in a quantitative field such as Mathematics, Physics, Engineering, or similar.\n\n - Ability to analyse data and generate insights to support decisions.\n\n - Clear written and verbal communication, with the ability to tailor analysis and recommendations to different audiences.\n\n - An analytical mindset with a practical approach to problem solving.\n\n - A bucket-load of common sense.\n\n - A commitment to using modern tools effectively – including AI – to maximise quality, speed, and rigour, while retaining responsibility for accuracy and outcomes.\n\nBonus:\n\n - Experience in B2B or B2C credit risk lending and strategy.\n\n - Experience with SQL and Python\n\n - Experience with data visualisation tools like Looker\n \n \n\nThe salary\n\nWe expect to pay from £40,000–£55,000 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.\n\n\n\nThe culture\n\nAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.\n\n\n\nThe offices\n\nWe put a lot of effort into making iwoca a great place to work:\n\n - Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\n\n - Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\n\n\n\nThe benefits\n\n - Flexible working hours.\n\n - Medical insurance from Vitality, including discounted gym membership.\n\n - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\n\n - A private GP service (separate from Vitality) for you, your partner, and your dependents.\n\n - 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.\n\n - A one-month, fully paid sabbatical after four years.\n\n - Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.\n\n - 3% Pension contributions on total earnings.\n\n - An employee equity incentive scheme.\n\n - Generous parental leave and a nursery tax benefit scheme to help you save money.\n\n - Electric car scheme and cycle to work scheme.\n\n - Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.\n\nAnd to make sure we all keep learning, we offer:\n\n - A learning and development budget for everyone.\n\n - Company-wide talks with internal and external speakers.\n\n - Access to learning platforms like Treehouse.\n\nUseful links:\n\n - iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\n\n - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap"}],"apiVersion":"1"}