Full Stack Engineer - Credit Cards Product Team in London

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. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.

The team

The Credit Cards team is building iwoca’s newest product for small and medium-sized businesses, giving them a fast, flexible way to manage cash flow alongside our existing loans. We're aiming to build a market-leading product, as the credit card is a core part of our long-term growth strategy. We’re responsible for the systems, processes, and product features that will make this possible – from platform architecture and credit risk to user experience and servicing. The team currently consists of a product manager and 4 engineers.

The role

As a Full Stack Engineer in the Credit Cards team, you’ll lead the design of our front-end architecture and its integration with the back end, shaping how customers apply for, use, and manage their cards. You’ll work across the stack, but with a strong focus on crafting intuitive, high-quality user interfaces. The work will involve iterating quickly, refining solutions, and building both technical and product knowledge as the system grows.

The projects

• Onboarding flow: Create a fast, frictionless signup experience, so customers can get approved and start using their card within minutes.
• Rewards experience: Bring our cashback and partner perks to life. Build clear, engaging views that show customers what they’ve earned, how to redeem, and how to get more from their spend.
• Card Management: Give customers complete control over their cards - from managing spend, to issuing new cards and managing cardholders. Build user interfaces that make the product simple to understand and use, while offering maximum flexibility.
• Operational tooling: Collaborate with our Ops Strategy team to shape how we support customers at scale. Architect and build the internal tools that make resolving issues, managing disputes, and delivering great service feel seamless.

The requirements

Essential:

• Front-end engineering experience, ideally using React and TypeScript, including testing, consuming APIs, and accessibility.
• Confidence working across the stack, including back-end development, ideally in Python.
• Experience designing, building, and maintaining API endpoints.
• Experience delivering high-quality, accessible UI from design tools (e.g., Figma) through to production.
• Ability to communicate clearly with technical and non-technical stakeholders, focusing on outcomes and impact.

Bonus:

• Experience with financial products, especially payment products.
• Experience with Django and PostgreSQL.
• A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience.

The salary

We expect to pay from £80,000 - £100,000 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, comedy 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.
• Company-wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.