Fraud Manager - Germany

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.

The DE Compliance team is an autonomous group of specialists dedicated to ensuring iwoca remains a safe and trusted partner for German SMEs. The team works at the intersection of technology and risk, collaborating closely with Tech, Operations, and Risk Management to build robust detection systems. The team operates in an agile environment, meeting regularly to share insights on the latest fraud trends and collaborating on cross‑functional projects to stay ahead of evolving threats.

The Fraud Specialist role provides the opportunity to shape the security and integrity of our digital lending products. You will have the autonomy to identify emerging risks and the influence to implement the technical and strategic solutions needed to mitigate them.

• Identify and evaluate emerging fraud scenarios such as impersonation, social engineering, and account takeover (ATO).
• Formulate and adapt the fraud strategy specifically for the German digital lending market to maintain an optimal balance between risk and conversion.
• Design efficient verification processes that protect the business without adding unnecessary friction for our customers.

• Partner with Tech and Data teams to implement automated detection mechanisms, including machine learning models and rule-based systems.
• Guide the selection and introduction of innovative technologies to optimise the fraud prevention toolkit.
• Develop and lead training programs to raise fraud awareness across the company and with our external partners.

Essential:

• Proven experience in fraud management or a related compliance field, with a focus on 3rd‑party fraud.
• Strong analytical skills with the ability to translate complex data into actionable prevention measures.
• A proactive, solution‑oriented mindset and the ability to work effectively within agile, cross‑functional teams.
• Fluency in German and English.

Bonus:

• Experience working with external fraud‑prevention platforms or aggregators.
• Familiarity with the technical implementation of automated fraud solutions (ML/Rule‑engines).
• Experience in the German fintech or digital lending sector.

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.

Offices in London, Leeds, and Frankfurt with plenty of drinks and snacks. Events and clubs, like bingo, comedy nights, yoga classes, football, etc.

• Medical insurance from Vitality, including discounted gym membership.
• A private GP service 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.
• Generous parental leave and a nursery tax benefit scheme.
• Two company retreats a year—we’ve been to France, Italy, Spain, and further afield.

Compensation Range: £44K - £59K