Full-Stack Engineer
iwoca
Full-Stack Engineer
iwoca
Flexible SME loans and invoice financing
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:
Iwoca provides financing for small and medium-sized UK businesses, offering flexible loans and invoice financing to help with cash flow and growth. Its products include the Flexi Loan, which lets a business borrow with adjustable repayment terms, and iwocaPay, an invoice-financing service that lets customers pay invoices over time. The company runs its lending through a tech-driven platform that analyzes data and uses machine learning to assess credit risk and make quick decisions, often within 24 hours. This speed and flexibility set it apart from traditional lenders, as it focuses on tailoring financing to each SME’s needs rather than offering one-size-fits-all products. Overall, its goal is to enable smaller businesses to manage cash flow, access capital quickly, and support business growth.
Explore more opportunities at iwoca