Back End Engineer - RepeatsHybrid in London, United Kingdom (At least one day in office per week)We're looking for a back-end engineer to join the Repeats team.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. 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 is cross-functional – backend, frontend, product, design, data science and analytics – shipping behind split tests and measuring impact in Looker rather than on gut feel.The roleYour first project will be the re-architecture of our flex-loan repeat offer pipeline: the flow that decides who is eligible for a new loan, what they pay, and how much they can borrow. Once the new pipeline is in place, product has a clear runway of features ready to ship on top of it.You will own backend features end-to-end, from design through to shipping and monitoring them in production. Over time, you will pick up front-end work and grow into a full-stack role.Impact on customersWork on the systems that shape every repeat customer's offer, and move the metrics behind iwoca's back-book performance.Ship features that make it faster and clearer for small business owners to access follow-on funding.Ownership and deliveryWork through the full development lifecycle – from technical design and implementation to rollout behind a split test – on well-defined components.Maintain and support the core services behind repeat lending: the lending_decision app inside iwoca-django, the repeats pricing and offer-amount services, and the customer account pages.Help monitor production and troubleshoot issues when they come up.CollaborationWork closely with Product, Design, Data Science and Analytics to build solutions that make sense technically and land well for customers.Show up to team rituals – stand-ups, retros, planning – with context and questions.Write clean, well-tested Python, and take part in code reviews to learn from teammates and keep quality high.Pick up front-end work in Pandora (React, TypeScript) so you can own features end-to-end over time.The requirementsEssentialComfortable writing clear, testable Python. 1+ years of commercial engineering experience.Working knowledge of relational databases. We use PostgreSQL.Curious about the full stack and up for picking up front end (React, TypeScript) over time.You have experience of writing automated tests and take code quality and safe releases seriously.You use AI (Cursor, Claude Code or similar) in your daily flow – whether for work or for fun. You use it to blast through boilerplate and research so you can focus on the hard parts: complex architecture, rigour and high-stakes decisions.Bonus:Familiarity with Python web frameworks (Django, FastAPI).Exposure to Docker, AWS or Kubernetes at any level.Any exposure to data tooling such as Snowflake or Looker.A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience.We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.The cultureAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services.Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.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 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.We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.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 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.
Back End Developer | Tech in London employer: Iwoca
iwoca is an excellent employer for Data Scientists, offering a dynamic work environment in London that fosters innovation and collaboration. With flexible working hours, comprehensive medical insurance, and a dedicated learning budget, employees are encouraged to grow their skills and advance their careers while contributing to impactful product decisions. The company's commitment to a supportive culture makes it an ideal place for those seeking meaningful and rewarding employment.
