Overview
The Repeats team is an autonomous team responsible for the lending strategy and digital user experience of our recurring customers. They own all product decisions after a customer’s first funding, including the user journey for repeat customers, eligibility and document requirements for repeat applications, and offer terms (such as offered amount or pricing). The team is cross-functional, with a data scientist and a strategy analyst working with back-end and front-end developers. They design new product features and ensure they are delivered through an intuitive, high-performing digital experience.
Role
Back-end Engineer on the Repeats team. You will design, build, and own high-performance services that execute our lending strategy. You will:
* Exercise autonomy: Own projects end to end, from scoping and design to execution. Lead multi-engineer projects, coordinating with analysts, product managers, and other stakeholders.
* Drive impact: Enhance our offerings to meet the needs of repeat customers, improving their access to tailored lending solutions.
* Shape our systems: Design and maintain robust, flexible, and maintainable systems to ensure scalability and fast-paced development.
* Learn through iteration: Embrace a culture of experimentation, using trial and error to uncover insights, refine approaches, and grow your technical and strategic skills.
* Apply continuous deployment: Work iteratively with high test coverage and contribute to frequent deployment cycles (averaging more than once per day).
* Unlock data-driven decision-making: Support hypothesis testing and metrics such as issuance and profitability to iterate and optimise our approach.
Projects
We are striving to offer customers flexibility while keeping the product easy to understand. Two example projects:
* Top-up eligibility: Optimising when customers with an ongoing loan can apply for more funds, involving tests affecting a core functionality of our product.
* Offer amount testing: Re-architect our offer strategy by building and scaling the microservice that controls offer amounts, migrating business logic from our core monolith to a dedicated service to enable rapid testing of how offer amounts affect customer behaviour, issuance, and loss rate.
* Experience in back-end engineering, ideally with Python.
Qualifications
* Proven experience leading projects end-to-end, from designing to executing a solution.
* Good understanding of business problems and communication with stakeholders.
* Experience writing comprehensive automated tests, and a high level of attention to detail to ensure safe releases.
* An understanding of data analysis and statistics.
* A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or a related field.
* Experience with Django.
* Experience with relational databases (ideally PostgreSQL).
About iwoca
Imagine a world where every small business has the power to thrive. Since 2012, we’ve revolutionised how businesses access finance, turning what was once a lengthy, frustrating process into something fast and flexible. We are one of Europe’s leading fintech innovators, providing billions in funding to thousands of businesses. Our mission is to empower one million businesses with the financial tools they deserve, combining cutting-edge technology and data science with genuine human understanding to make finance feel like a superpower.
Salary and Culture
We expect to pay from £70,000 - £90,000 for this role. You are encouraged to include your salary goals with your application. We benchmark salaries against market rates and conduct quarterly performance and salary reviews. The culture at iwoca focuses on learning, growth, and support, and we invest in professional development. We value diversity and encourage exploration of new areas to improve our products and services.
Benefits and Locations
* Offices in London, Leeds, Frankfurt and Berlin with amenities for staff.
* Events and clubs, such as bingo, comedy nights, yoga, football, etc.
* Flexible working.
* Medical insurance from Vitality, including discounted gym membership.
* A private GP service for you, your partner, and dependents.
* 25 days of holiday, an extra day off for your birthday, the option to buy or sell five additional days, and unlimited unpaid leave.
* A one-month fully paid sabbatical after four years.
* Emotional and mental health support, pension contributions, share options.
* Generous parental leave and nursery tax benefit scheme.
* Cycle-to-work and electric car schemes.
* Two company retreats per year.
* Learning and development budget and access to learning platforms like Treehouse.
Useful links: see iwoca benefits & policies for details and see interview welcome pack to learn more about the process.
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