Back End Engineer - MVP

We're hiring a Back End Engineer. You'll build and deliver our credit card MVP, working across the stack to create core services and customer journeys. You'll ship code daily, and directly influence technical direction, shaping how we launch and scale this new product.

The company: 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 team: We're a small, high-impact team building and launching a lean, end-to-end credit card experience for our customers. Our mission is to quickly scope, build, and deliver a robust Minimum Viable Product (MVP), directly validating the core product vision and influencing the long-term solution.

The role: As a Back End Engineer, you'll play a central, hands-on role in delivering our credit card product. This is a high-impact opportunity, where you'll collaborate with the Tech Lead and Team Lead, aligning with internal teams and external providers. You'll ship code daily, iterate quickly, and build alongside the team as we launch and scale the product.

The projects: As part of the MVP team, you will:

• Build Core Services: Develop and maintain the foundational back end services that power our credit card MVP.
• Craft Customer Journeys: Design and build seamless application and management flows for our credit card customers.
• Integrate Strategic Partnerships: Lead integrations with third-party platforms vital for core credit card functionality.
• Empower Operations: Develop essential internal tooling, monitoring, and dashboards to ensure a smooth, successful launch.
• Contribute to Technical Direction: Influence technical decisions, architectural design, and evolving engineering standards within the team.

The requirements:

Essential: Significant Python experience, building scalable back end systems, ideally for customer-facing products. Hands-on experience integrating third-party APIs. Experience working with relational databases at least at the scale of tables with millions of rows, and experience of data migrations and backfilling data for analytics. Experience & willingness to work across the full stack. Strong focus on code quality, testing, and performance. Pragmatic and delivery-focused, able to balance speed and technical debt for MVP delivery. You thrive in fast-paced environments and are comfortable iterating quickly to deliver value early and often.

Bonus: Experience in fintech, financial data, working with credit reference agencies or credit cards. Proficient in front end technologies (React and TypeScript). Experience with Django.

The salary: We expect to pay from £60,000 - £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 salary and performance reviews.

The culture: At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.

The offices: We put a lot of effort into making iwoca a brilliant place to work: Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and clubs, like bingo, movie nights, yoga classes, football, etc.

The benefits:

• Flexible working.
• Medical insurance from Vitality, including discounted gym membership.
• A private GP service (separate from Vitality) for you, your partner, and your dependents.
• 25 days' holiday, 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 emotional and mental health support.
• 3% Pension contributions and share options.
• Generous parental leave and a nursery tax benefit scheme to help you save money.
• Cycle-to-work scheme and electric car 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. Access to learning platforms like Treehouse.