Staff Back End Engineer - Credit Cards Full Product Team
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Company
Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into fast, flexible funding that works for modern businesses. Hybrid in London / Remote within the UK.
Team
The Credit Cards team is building iwoca’s newest product for small and medium‑sized businesses, giving them a fast, flexible way to manage cash flow alongside our existing loans. We're building a market‑leading product as credit card is a core part of our long‑term growth strategy.
Role
As a Staff Back‑end Engineer you’ll own the entire lifecycle, from defining the long‑term architectural vision to writing the code that brings it to life. You’ll manage, mentor, and grow a small group of talented engineers, and improve engineering standards across the wider organisation.
Projects
* Service Architecture – design the architecture and service boundaries of our payments platform for scalability, robustness, and flexibility.
* Authorisation Service – build the service that responds to authorisation requests when customers use their card, ensuring >99.9% successful response rate, <0.5 s latency, and capacity to handle 100,000 transactions per day.
* Reward calculation – develop a real‑time rewards platform that supports a diverse range of benefits such as cashback, points, and travel perks, and display them instantly as customers spend.
Requirements
* Experience designing and operating highly available, low‑latency payments systems (10,000+ transactions per day).
* Proficiency in an object‑oriented programming language, ideally Python.
* Experience designing data models for payments systems, ensuring accuracy, scalability, and maintainability, ideally using PostgreSQL.
* Experience building and integrating APIs and distributed systems, including microservices.
* Experience mentoring engineers and setting technical standards.
* Clear, concise written and verbal communication, prioritising the most relevant information and focusing on outcomes and impact.
Bonus
* Technical knowledge of card network transaction flows.
* Experience with financial ledgers.
* Experience with Django.
* A strong numerical or technical background, ideally with a degree in maths, physics, computer science, engineering, or a related field.
Salary
We expect to pay from £100,000 – £140,000 for this role.
Culture
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.
Benefits
* Flexible working.
* Medical insurance from Vitality, including discounted gym membership.
* A private GP service (separate from Vitality) for you, your partner, and your dependents.
* 25 days’ holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.
* A one‑month, fully paid sabbatical after four years.
* Instant access to emotional and mental health support.
* 3% pension contributions and share options.
* Generous parental leave and a nursery tax benefit scheme to help you save money.
* Cycle‑to‑work scheme and electric car scheme.
* Two company retreats a year, we’ve been to France, Italy, Spain, and further afield.
Learning & Development
* A learning and development budget for everyone.
* Company‑wide talks with internal and external speakers.
* Access to learning platforms like Treehouse.
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