Jobs at iwoca

Design and build AI agents that automate complete business processes, beginning with direct-mail acquisition. Own system architecture, agent memory, task management, permissions, guardrails, audit trails, integrations, production delivery, and evaluation. Collaborate with commercial, product, compliance, and engineering teams while determining where agents or deterministic code should be used. Measure agent reliability, human intervention, cost, and business value, using AI coding tools to accelerate development.

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.

Lead the engineering team responsible for the customer application, verification, lending decisions, and offer logic. Build and operate backend services while migrating business-critical functionality from a legacy monolith. Set the engineering roadmap, design reliable systems for evolving lending models, enable long-running experiments, and collaborate with data scientists. Line-manage and coach two engineers, support hiring, and translate business goals into technical plans.

Build, maintain, and improve probabilistic credit risk and customer lifetime value models for automated and human-assisted lending decisions. The role involves applied statistical research, causal estimation, model calibration, production machine learning, and evaluating new modeling approaches. The successful candidate will independently frame ambiguous analytical problems, communicate findings clearly, use AI effectively, and support credit, pricing, and portfolio strategy across UK and German lending markets.

Paid M&A internship supporting live UK SME transactions across sell-side and buy-side execution, due diligence, valuation, origination, and deal operations. The intern will qualify buyers and sellers, prepare materials, manage virtual data rooms, coordinate diligence and Q&A, and support AI and workflow automation. After two months, they will own a project such as acquisition-target scoring, automated information memorandum creation, or a new vendor outreach channel.

Support Germany’s lending strategy by analyzing credit and portfolio risk, designing experiments, improving underwriting scorecards, maintaining lending dashboards, and providing insights for strategic decisions. The role collaborates with data scientists, credit analysts, product, technology, and operations teams to improve lending outcomes and business performance.

Own the paid social creative strategy and production engine across Meta, TikTok, and emerging platforms. Develop concepts, manage creators and agencies, oversee production and usage rights, and connect creative testing insights to commercial outcomes. Partner with paid social, brand, design, and external production teams to deliver high-performing video, static, UGC, partnership, and other ad formats for multiple financial products.

Own the roadmap for Acquitech’s acquisition data, technology, and models. Translate marketing and sales needs into requirements, prioritize delivery, manage tracking and advertising platform integrations, coordinate compliance and privacy approvals, and lead discovery initiatives. Run team rituals, establish quarterly goals, and use AI to prototype ideas, automate workflows, and improve productivity. The role requires product ownership, data literacy, technical fluency, strong communication, leadership, and experience applying AI workflows.

Own and evolve iwoca’s German Lending API, developer portal, partner integration tools, broker workflows, and CRM automation. Define API architecture, versioning, and technical direction while delivering features such as pre-qualification. Collaborate with product managers, commercial teams, and UK engineers; mentor teammates, support partner onboarding, and participate in support rotations. The role requires hands-on Python backend engineering, production API ownership, AI-enabled workflows, and clear communication.

Build and own customer-facing credit card features from design through production. Develop mostly backend services with Python, FastAPI, and PostgreSQL, while also delivering web features with React and TypeScript and mobile features with React Native. Design data models and APIs, test, release, monitor, and improve products used for card management, cashback, spend controls, and lost-card freezing. Collaborate with product, design, payments engineers, and operations teams while using AI coding tools responsibly.

Design and build highly available, low-latency payment services for iwoca’s business credit card. Own backend projects end to end across authorization, transaction monitoring, rewards, testing, ledger integration, and production launch. Shape platform architecture, build microservices and APIs, work with asynchronous messaging and databases, and collaborate with product, fraud, ledger, and customer teams. The role requires expertise in production payment systems, card authorization and clearing flows, distributed systems, object-oriented backend development, and responsible use of AI engineering tools.

Support external communications, data-driven PR campaigns, product launches, media outreach, and public affairs initiatives for a fintech serving small businesses. Responsibilities include analyzing datasets, developing press narratives, drafting policy materials, engaging journalists and policymakers, and managing communications for new products. The role requires strong writing, organization, data analysis, commercial awareness, and an interest in economics, policy, and politics.

Build credit risk, pricing, credit limit, and customer lifetime value models for a business credit card. Lead analytical projects from problem framing through business decisions, using Bayesian methods to quantify uncertainty with limited data. Collaborate with commercial, product, engineering, operations, credit risk, and data science teams. Apply customer and business understanding to optimize card pricing, spending, retention, cross-sell, and combined credit exposure.

Design and analyze experiments, build statistical and machine-learning models, and use data to improve third-party acquisition through brokers and partners in Germany. The role covers funnel conversion, pre-qualification, customer take-up, lifetime value, competitive positioning, and lending offer terms. Responsibilities include framing ambiguous commercial questions, conducting causal analysis, translating findings into recommendations, collaborating with product and commercial teams, and communicating technical results clearly.

Build, deploy, monitor, and improve supervised machine learning models for credit risk and lending decisions. Own automated credit models, analyze portfolio performance, develop models for new products such as invoice financing, and contribute to risk monitoring and governance. Collaborate with product, risk, and leadership teams, communicate technical decisions clearly, and develop data pipelines and modelling practices in a small, autonomous team.

Grow manda’s M&A platform by identifying business owners preparing to sell, building targeted prospect lists, conducting personalized outreach via email, LinkedIn, and phone, following up with leads, and booking meetings with Transaction Managers. The role involves experimentation, lead scoring, analytics, credibility-building across digital channels, and using AI and automation to improve outreach efficiency.

Build and own backend services for iwoca’s Customer Operations Platform. Responsibilities include designing distributed systems, automating operational workflows with AI and ML, migrating monolith functionality into services, developing communication tools, translating operational needs into technical architecture, and collaborating with operations and engineering stakeholders. The role also involves technical scoping, prototyping, documentation, code review, and production ownership.

Build and own backend acquisition technology for iwoca’s German market. Responsibilities include designing Python backend systems, relational databases, data pipelines, REST APIs, HubSpot tooling, third-party integrations, lead-value and attribution systems, and production machine-learning features. The role involves shaping technical strategy, optimizing acquisition funnels, collaborating with marketing, sales, product, and data science teams, and owning projects from discovery through delivery.

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.

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.