Product Strategy Associate

Imagine a world where every small business has the power to thrive. That’s the world we’re building at iwoca. Small businesses aren’t just statistics – they’re the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we’ve revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that’s fast, flexible, and actually works for modern businesses. Our impact speaks for itself: we’ve provided billions in funding to over 150,000 businesses across Europe, making us one of the continent’s leading fintech innovators. But we’re just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower.

The DE Lending Proposition Team is where iwoca’s boldest ideas come to life. We’re a dynamic, cross-functional squad that drives our lending strategy forward and shapes the future of small business finance in Germany. From conceptualising new products to refining user experiences, our work directly impacts thousands of businesses’ ability to grow and succeed. We operate as a fully autonomous unit, bringing together specialists in back-end and front-end development, product management, data science, and analytics. This diversity of expertise allows us to tackle challenges from every angle, move fast, and deliver solutions that truly work for our customers.

We’re looking for a Product Strategy Associate to help shape the future of our lending products. This role bridges strategy, analytics, and product development, driving innovation to deliver exceptional value for our customers while supporting iwoca’s growth objectives.

• Strategy development and innovation: Contribute to the development and execution of strategies that enhance iwoca’s credit terms, including pricing, credit limits, and repayment terms. Identify and assess market opportunities to introduce new products or features, ensuring alignment with customer needs and business goals. Continuously question existing processes and the potential to refine user journeys, drive customer satisfaction and business outcomes.
• Analytics excellence: Develop experiments to test new product concepts, iterating based on customer feedback and performance data. Build custom tools and data pipelines to investigate complex topics and enable the wider team to monitor the performance of products post-launch, using insights to inform future improvements. Combine quantitative data and qualitative insights to identify pain points and unlock growth opportunities.
• Collaboration and influence: Support cross-functional alignment on product priorities and engage senior stakeholders. Work closely with Credit Risk, Data Science, Operations, and Commercial teams to ensure seamless execution of product initiatives. Be in constant dialogue with our Customer Acquisition teams (Brokers, Sales, Account Managers and Commercial Strategy) to tap into up to date feedback from both customers and intermediaries. Turn findings into strategy insights that support the Head of Product and General Manager in determining the long-term vision of iwoca DE.

Requirements:

• Experience working in a strategy consultancy, tech or finance company in a strategy, product, or analytical role.
• Strong analytical and problem-solving skills, with the ability to interpret complex data and deliver actionable insights.
• Finance and accounting knowledge with a deep understanding of (lending) business models and financial metrics.
• Excellent communication skills. A team player with a fine balance of confidence, gravitas, humility, and enthusiasm.
• Familiarity with credit products or lending strategies in a B2B context is a bonus.
• Hands-on experience working with complex data structures using SQL or Python for data analysis.
• Statistical mindset with the ability to setup, run and analyse RCTs and split tests.
• Passionate about helping small businesses thrive—belief in our mission is important!

The salary: We expect to pay £55,000 - £70,000 for this role. However, we’re open-minded, so include your salary expectations when you apply.

The culture: At iwoca, we prioritise learning, growth, and collaboration. Our culture values diversity of thought and encourages innovation.

The benefits: Medical insurance from Vitality, including discounted gym membership and private GP services for you and your dependents. 25 days’ holiday plus your birthday off, with the option to buy/sell additional leave. Paid one-month sabbatical after four years of service. Equity incentive scheme for all employees. Parental leave policies and a nursery tax benefit scheme. Access to mental health support via Spill. Cycle-to-work scheme and electric car scheme. Two annual company retreats, with past destinations including Italy, Spain, and France. A learning and development budget for all team members, access to platforms like Treehouse, and company-wide talks with inspiring speakers.

The offices: Our offices in London, Leeds, Berlin and Frankfurt are designed to foster collaboration and creativity. With fully stocked kitchens and regular social events, we aim to create a space where everyone feels welcome and inspired.

Join us in empowering small businesses and shaping the future of finance.