Jobs at iwoca

Lead customer acquisition for Credit Compass by scaling Meta, Google, and TikTok campaigns, launching new paid, referral, affiliate, and partner channels, and improving conversion from existing traffic. Define customer segments, develop and test messaging, run A/B experiments, analyze performance, and translate insights into repeatable growth strategies. Collaborate with product, data, and retention teams, while potentially hiring and managing an additional team member.

Design and evaluate experiments, build statistical models, and generate evidence-based insights guiding sales and marketing investment. The role involves communicating findings to nontechnical colleagues, taking analytical workstreams from framing through decision-making, applying AI tools, and collaborating with data scientists, analysts, statisticians, marketing, sales, product, design, and engineering teams.

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.

As a Data Analyst, you will analyze iwoca's data to support public policy, create materials for stakeholders, and communicate insights effectively.

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.

Design, build and operate the ledger platform powering lending and credit card products. Architect scalable microservices, ensure transactional correctness, reconciliation and reporting, lead end-to-end projects, fix production issues, and raise engineering standards while using AI-assisted development tools.

Own and scale a diverse paid-channel mix for the German market. Launch and optimise new channels (Native, Reddit, LinkedIn), build direct publisher partnerships, run CRO experiments on paid landing pages, and create scalable processes and measurement frameworks. Collaborate with design, compliance, and commercial strategy to drive measurable growth.

Proactively outbound to SMEs to introduce a new insurance offering, pitch value, handle objections, manage pipeline in HubSpot CRM, collaborate with brokers, and convert leads while capturing customer feedback to refine product and strategy.

Own and execute end-to-end growth marketing for a new SME insurance venture: design GTM strategy, run A/B experiments, build multi-channel acquisition (search, social, direct mail), manage lead nurturing and marketing automation (HubSpot preferred), optimise conversion and unit economics, create high-converting content, and influence product development using data and customer feedback.

Lead acquisition strategy for iwoca in Germany, focusing on optimizing onboarding journeys, collaborating cross-functionally, and driving measurable growth through data-driven insights.