Jobs at iwoca

Own and scale paid social acquisition across Meta, TikTok, LinkedIn, and emerging platforms. Lead campaign strategy, credit card launch marketing, full-funnel architecture, creative and influencer programs, budget allocation, incrementality testing, attribution, and landing-page optimization. Partner with Data Science, Engineering, Compliance, and Brand teams, while managing and coaching a Performance Marketing Executive. Drive profitable growth using ROI, CLTV, marginal-return, and commercial performance analysis.

Own the German customer acquisition and activation funnel from first visit through loan application. Set the product roadmap, lead scoring and segmentation, eligibility checks, signup flows, attribution, and experimentation. Partner with engineering, data science, marketing, and sales to ship improvements, resolve data quality issues, interpret A/B tests, and establish operating practices for a newly forming technical squad.

Supports the employee lifecycle across UK and German teams, including payroll coordination, benefits administration, HR data maintenance, onboarding, offboarding, background checks, and employee queries. The role requires accurate confidential-data handling, bilingual German and English communication, HR systems proficiency, independent prioritization, and a practical approach to improving People Operations processes.

Re-engage and convert business customers by managing a qualified sales pipeline, conducting outbound calls, understanding customer needs, and tailoring financing solutions. The role involves managing prospects through various stages, meeting KPIs and revenue targets, collaborating with Account Management, Marketing, and Underwriting, and contributing feedback to improve team performance.

Build and maintain scalable backend systems, APIs, and partner integrations for embedded lending flows. Own projects from scoping through production, collaborate with engineers and stakeholders, improve customer conversion through experiments, and use data to guide product decisions. The role emphasizes robust system design, clear documentation, pragmatic delivery, AI-assisted development, and measurable impact for partners and small-business customers.

Own manda’s marketing strategy as its first marketing hire, acquiring business-owner sellers through paid, organic, direct-response, offline, and trade-press channels. Manage budgets, test channel performance, establish attribution and reporting, measure acquisition economics, optimize website conversion, and support buyer acquisition. The role requires hands-on copywriting, campaign execution, tracking, funnel analysis, and collaboration with product and engineering in an ambiguous early-stage venture.

Build and scale manda’s introducer and referral network across accountants, solicitors, wealth managers, brokers, and business transfer agents. Responsibilities include prospecting and winning partners, managing relationships, tracking referral performance, designing scalable referral processes and integrations, leveraging iwoca’s existing network, running commercially focused events, and measuring channel economics. The role requires hands-on business development, partnership management, commercial judgment, systems thinking, and close collaboration with product teams.

Provide commercial and regulatory legal advice across UK fintech products, including business credit cards, payments, lending, insurance, credit scoring, and SME M&A services. Draft and negotiate commercial contracts, customer terms, and partner agreements; advise on financial regulations; improve legal processes using templates, playbooks, and AI tools; and manage external counsel and legal budgets.

Build, maintain, research, and improve credit risk and customer lifetime value models used for lending decisions, pricing, and portfolio strategy. The role includes production model health, incremental development, causal estimation, IFRS accounting models, and applied R&D. You will own ambiguous analytical problems end to end, use AI for prototyping and automation, critically evaluate model outputs, and communicate technical conclusions clearly.

Own credit risk and Customer Lifetime Value modeling projects end to end, including research, production deployment, monitoring, and commercial impact. Set technical direction across multi-quarter initiatives, evaluate uncertainty and model calibration, improve existing models, and explore new machine learning approaches. Lead projects, communicate clearly, challenge assumptions with evidence, and use AI to accelerate prototyping and R&D.

Own partner API integrations from sandbox through launch and optimization. Guide partner engineers, review customer journeys, troubleshoot live issues using logs and code, and collaborate with internal engineers on fixes. Build integration monitoring, analyze performance data, maintain API documentation, communicate technical and commercial priorities, and represent partner needs in the product roadmap.

As Fraud Strategy Lead, you'll design fraud strategies, monitor automated models, and guide a small team, focusing on transaction profiling and risk management for a B2B payment product.

Own experimentation and analytics for iwoca’s partner lending channel. Design experiments, apply causal inference, model customer behavior, analyze large datasets, optimize conversion funnels, and translate findings into product and commercial decisions. The role involves shaping analytical practices, evaluating lending product strategies, using AI to accelerate analysis, and collaborating with commercial, strategy, product, engineering, and design teams.

Build and maintain full-stack internal systems supporting iwoca’s German operations, including underwriting, customer communication, collections, and account management tools. Design backend services in Python, contribute to React and TypeScript codebases, modernize architecture, automate workflows, and improve system quality and reliability. Own projects end to end by engaging stakeholders, shaping solutions, making trade-offs, and evaluating outcomes through data and usage metrics.

Assess SME credit applications using internal platforms, diverse data sources and analytics. Make autonomous, data-driven lending decisions, support colleagues on complex cases, communicate with customers in German and English, and suggest process improvements.

The Business Development Executive will build a pipeline of prospects through outbound calls and social selling, aiming to exceed sales targets.

The Senior Business Development Executive will create and manage a pipeline of prospects, making outbound calls, advising customers on finance options, and closing deals to generate revenue.

Assess SME credit applications using multiple data sources and the company platform to make fast, fair decisions. Support complex cases, collaborate with analytics to optimise lending, and communicate with customers and cross-functional teams.

Own and build backend services that determine repeat customers' loan eligibility, pricing, and amounts. Re-architect the flex-loan repeat offer pipeline, implement end-to-end features, run split-test rollouts, monitor production, troubleshoot issues, and collaborate with product, design, and data teams. Gradually pick up front-end work to own features end-to-end.

Lead end-to-end backend projects for the Customer Operations Platform: design, build, and operate distributed services, integrate AI/ML to automate workflows, collaborate with operations stakeholders, mentor junior engineers, and migrate monolithic Django systems into smaller services to improve reliability and developer experience.