Back End Engineer - Credit Cards Full Product Team
Hybrid in London / Remote within the UK
About the 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 small businesses access finance, turning a lengthy process into fast, flexible funding. We've provided billions in funding to over 150,000 businesses across Europe, aiming to empower one million businesses with the right financial tools.
The team
The Credit Cards team is developing iwoca's newest product for small and medium-sized businesses, providing a fast, flexible way to manage cash flow alongside our existing loans. We're focused on building a market-leading product that is reliable, scalable, and easy to evolve, covering platform architecture, credit risk, user experience, and servicing.
The role
As a Back End Engineer, you'll design and deliver systems powering iwoca's new credit card product, working towards building a platform that is dependable and scalable. Your work will involve iterating quickly, refining solutions, and developing both technical and product skills as the system grows.
Projects
1. Data Model and Service Architecture: Shape a Greenfield service architecture outside our existing monolith, supporting scalability and independence.
2. Authorisation Service: Design and build a high-availability service (aiming for >99.9% success rate) with low latency for card authorisation requests.
3. New product features: Build features that attract and retain users, improving offer terms, rewards, flexibility, and control to help businesses thrive with instant working capital.
Requirements
* Experience designing and operating scalable backend systems for customer-facing products, with high availability.
* Proficiency in Python, writing clean, efficient, and well-tested code.
* Experience designing relational data models, ideally with PostgreSQL, focusing on performance and maintainability.
* Experience building and integrating APIs.
* Pragmatism in balancing delivery speed with managing technical debt.
* Experience managing projects end to end, from understanding business problems to delivering solutions.
Bonus skills
* Experience with microservices or event-driven architectures.
* Familiarity with financial systems, card payment systems, or real-time transaction processing.
* Experience with data from financial institutions, credit agencies, or open banking.
* Experience with Django.
Salary
£70,000 - £90,000, with flexibility for your salary goals. Salaries are benchmarked regularly, with quarterly reviews.
Culture & Benefits
We foster a culture of learning, growth, and support, valuing diversity and encouraging exploration. Our offices are in London, Leeds, Berlin, and Frankfurt, with various events and activities. Benefits include flexible working, medical insurance, private GP, generous holiday allowance, sabbatical, mental health support, pension contributions, share options, parental leave, cycle-to-work scheme, company retreats, and a learning budget.
#J-18808-Ljbffr