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- Tasks: Lead the development of iwoca's first credit card product for small businesses.
- Company: Join iwoca, a pioneer in empowering small businesses with innovative financial solutions.
- Benefits: Enjoy flexible working, medical insurance, generous holiday, and professional development opportunities.
- Why this job: Shape the future of finance for small businesses and make a real impact.
- Qualifications: Experience in card payments and strong collaboration skills are essential.
- Other info: Dynamic team culture with fun events and excellent career growth potential.
The predicted salary is between 60000 - 80000 £ per year.
Hybrid in London, UK. We’re looking for a Product Manager to work with a brand new team and build iwoca’s first credit card product for small businesses.
The Company
Imagine a world where every small business has the power to thrive. Since 2012, iwoca has revolutionised how small businesses access finance, turning a lengthy process into fast, flexible funding. We’ve funded billions to over 150,000 businesses across Europe and aim to empower one million businesses with the financial tools they deserve. We combine technology and data science with human understanding to make finance feel like a superpower, helping businesses manage cash flow and seize opportunities.
The team
The Credit Card Payments team is forming to build iwoca’s new credit card product for small businesses. The team will deliver a seamless, secure payments experience that meets card scheme and regulator requirements while supporting iwoca’s growth.
The role
Ownership And Influence
This role offers the opportunity to shape the systems behind iwoca’s new credit card product, combining hands-on technical focus with long-term architectural thinking. You will shape product decisions, contribute to technical direction, and deliver work that supports financial access for small businesses. You will lead a dedicated engineering team and work with our Finance, Fintech, Fraud and other teams to ensure robustness, scalability, and integration with existing iwoca systems.
- Define and manage the product roadmap for card payment processing and authorisation flow and their interactions with the card ledger.
- Own end-to-end credit card transaction flows, including authorisation, clearing, settlement, chargebacks, and cashback, considering edge cases and different transaction types.
- Collaborate with engineering and finance to shape the technical direction for the in-house ledger, evolving the blueprint and growing as a subject matter expert.
- Influence system architecture decisions, aligning product logic with scheme and regulatory constraints.
Technical expertise and collaboration
- Translate business rules and scheme requirements into technical specifications for authorisation and processing systems.
- Maintain up-to-date system documentation, process diagrams, and test case mappings for QA and compliance.
- Identify Visa and Mastercard requirements relevant to launch and incorporate them into system flows and data needs.
Product development and growth
- Map transaction flows, turn rules into specifications, and work with product, engineering, finance and risk teams.
- Develop your technical and domain expertise in card payments, scheme requirements, and regulatory frameworks.
- Take a product from concept to market and iterate based on feedback and data.
Essential
- Experience with card payments, issuing, and processing systems, including tokenisation and scheme integration.
- Knowledge of payment protocols and standards (EMV, PCI, Visa/Mastercard scheme requirements).
- Ability to map detailed transaction flows, define precise system behaviours, and write clear functional requirements.
- Experience with RESTful services, monitoring/alerting tools, and browser-based testing and debugging.
- Collaborative approach to cross-functional teams and clear communication of technical requirements.
Bonus
- Familiarity with full card lifecycle (onboarding, fraud, dispute handling).
- Experience with ISO 20022 and PSD3 regulatory frameworks.
- Comfortable in an early-stage product environment with evolving requirements.
Salary
We expect to pay from £70,000 – £90,000 for this role. Please include your salary goals with your application. We benchmark salaries against market rates and conduct quarterly reviews.
The culture
We prioritise learning, growth, and support, investing in the professional development of our team. We value diversity in thought and skill and encourage exploration of new areas to improve our products and services.
The offices
Offices in London, Leeds, Berlin, and Frankfurt with drinks and snacks. Events and clubs, like bingo, comedy nights, yoga classes, football, etc.
The Benefits
- Flexible working.
- Medical insurance from Vitality with gym discounts.
- Private GP service for you and dependents.
- 25 days’ holiday, extra day for your birthday, option to buy/sell up to 5 days, and unlimited unpaid leave.
- One-month fully paid sabbatical after four years.
- Emotional and mental health support.
- 3% pension contributions and share options.
- Parental leave and nursery tax benefit scheme.
- Cycle-to-work and electric car schemes.
- Two company retreats per year.
- Learning opportunities include a development budget, company-wide talks, and access to learning platforms.
Technical Product Manager - Card Payments employer: iwoca Deutschland
Contact Detail:
iwoca Deutschland Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Technical Product Manager - Card Payments
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend meetups, and connect with potential colleagues on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by practising common questions and scenarios related to card payments and product management. We recommend doing mock interviews with friends or using online platforms to get comfortable with your responses.
✨Tip Number 3
Showcase your passion for the role! When you get the chance to chat with hiring managers, share your ideas about iwoca’s credit card product and how you can contribute to its success. Let them see your enthusiasm!
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in being part of the iwoca team.
We think you need these skills to ace Technical Product Manager - Card Payments
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Technical Product Manager role. Highlight your experience with card payments and any relevant technical skills. We want to see how your background aligns with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about building financial tools for small businesses. Share specific examples of your past work that relate to the role, and let us know why you want to join our team.
Showcase Your Technical Knowledge: Since this role involves a lot of technical aspects, make sure to showcase your knowledge of payment protocols and systems. Mention any experience you have with RESTful services or compliance requirements, as this will really catch our eye!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of applications and ensures you get all the updates directly from us. Plus, it shows you're keen on joining our team!
How to prepare for a job interview at iwoca Deutschland
✨Know Your Card Payments Inside Out
Make sure you brush up on your knowledge of card payments, including tokenisation and scheme integration. Be ready to discuss how these elements play a role in the product you're applying for, as well as any relevant protocols like EMV and PCI.
✨Map Out Your Transaction Flows
Prepare to demonstrate your ability to map detailed transaction flows. Bring examples of how you've defined system behaviours in previous roles, and be ready to explain how you would approach the end-to-end credit card transaction flows at iwoca.
✨Showcase Your Collaborative Spirit
This role requires a collaborative approach, so think of examples where you've successfully worked with cross-functional teams. Highlight your communication skills and how you've translated technical requirements into actionable tasks for different stakeholders.
✨Be Ready to Discuss Regulatory Frameworks
Familiarise yourself with relevant regulatory frameworks like ISO 20022 and PSD3. Be prepared to discuss how these regulations impact product development and how you would ensure compliance while delivering a seamless user experience.
