Back End Engineer - Finance Technology Team

Hybrid in London (UK) or Remote within the UK. The Finance Technology team builds and maintains the payment infrastructure and financial data systems that power iwoca’s growth. The team partners with the Finance team to build scalable tools and supports other product teams to launch new products with enhancements to the payment infrastructure and financial data systems. As a group of skilled back-end engineers, they work closely with a dedicated Tech Lead and Product Manager, using Agile methods to ship code frequently and solve complex problems together. Four of the team work remotely and three are hybrid, working 1-3 days per week in the London office.

Responsibilities

• Contribute to the delivery of well-defined projects involving many stakeholders and systems.
• Go beyond the code to develop a deep expertise in the Finance Technology team’s domain, understand core financial products and stakeholder needs to become a trusted technical advisor to the business.
• Perform detailed technical scoping and prototyping to support feasibility testing and decision making.

Delivery and Collaboration

• Implement scalable solutions for complex challenges, such as building payment microservices, implementing direct debits, and rearchitecting reporting technology.
• Translate ambiguous product requirements into clear, actionable technical plans that guide the team’s work.
• Contribute high-quality, production-ready code and foster a collaborative environment by reviewing work, helping to troubleshoot live issues, and writing useful documentation.

Learning and Growth

• Embrace and demonstrate a growth mindset by sharing new technologies and best practices within the team and across the company.
• Work with the Tech Lead to improve development and agile practices, and to help raise the technical bar within the team.

Requirements

• Essential: Experience with Python web frameworks (Django / FastAPI / Flask / Starlette / Ninja).
• Experience with relational databases, ideally PostgreSQL, but open to MySQL or similar (e.g., MS SQL, Oracle); emphasis is on data integrity.
• Experience contributing to the delivery of complex projects implemented by several engineers, including taking features from conception (0-1) to launch in a startup, scale-up, or SME environment.
• A strong technical or mathematical foundation, evidenced by a degree in a quantitative field (Computer Science, Engineering, Physics, Maths or similar) or equivalent professional experience.
• Experience of building and managing complex API integrations (e.g., Payments like Stripe/Braintree, or high-scale integrations in industries like Telecoms, Travel, Ad-Tech, or similar).
• A commitment to using modern tools effectively – including AI – to maximise quality, speed, and rigour, while retaining responsibility for accuracy and outcomes.

Bonus

• A background in high-logic or high-scale fields like Fintech, Gaming, Healthcare Tech, Logistics, Security/Cryptography, or similar.

Compensation

We expect to pay from £70,000 to £80,000 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.

Culture and Benefits

• Flexible working hours.
• Medical insurance from Vitality, including discounted gym membership.
• A private GP service 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.