Hybrid in London, United Kingdom
We’re looking for a Mobile App Product Lead.
As Product Lead for Mobile, you’ll own a core strategic initiative: the creation, launch, and long-term evolution of iwoca’s mobile application. You’ll define how mobile fits into iwoca’s product landscape, starting with Credit Cards, and ensure it becomes a reliable, extensible channel for customers over time.
The company
Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
The team
Today, iwoca’s customer experience is primarily web-based. This role establishes mobile as a first-class product surface, with its own strategy, architecture, and delivery model, integrated with iwoca’s existing platforms and regulatory requirements. You’ll work closely with product, engineering, compliance, and marketing as mobile becomes part of how iwoca serves customers day to day.
The role
As Mobile App Product Lead, you’ll own the direction and delivery of iwoca’s mobile app. You’ll set the product vision, decide priorities, and build the team needed to deliver it. You’ll operate with clear ownership and accountability, using data and defined outcomes to guide decisions, with visibility across the company and direct impact on customer engagement, retention, and lifetime value. The work involves navigating real uncertainty and trade-offs as the product and team take shape.
You will be the primary decision-maker for the mobile channel, accountable for its direction, trade-offs, and outcomes, exercising technical judgement in native mobile and backend contexts in close collaboration with engineering;
Product strategy and roadmap: Own and champion the end-to-end vision, strategy, and roadmap for the mobile app, starting with Credit Cards. Define the product release phases, prioritising early customer and business value while setting foundations for scale, informed by customer research, market context, and competitor analysis.
Team design and leadership: Design, build, and lead a mobile app team covering iOS, Android, and backend integration. Set clear ownership, delivery standards, and expectations, and support the team’s development as it scales.
Execution and delivery: Oversee the full product lifecycle, from concept and design through development, launch, and post-launch optimisation. Establish, track, and actively use core product metrics to guide prioritisation and iteration.
Cross-functional delivery: Work closely with product, engineering, compliance, and marketing to ensure the app integrates cleanly with existing platforms.
Quality, security, and compliance: Ensure the application meets required standards for security, regulatory compliance, performance, and reliability. Evaluate, onboard, and manage external development partners where appropriate, ensuring quality and timely delivery.
AI-enabled building & prototyping: You won't just write specs; you will lead by example in our AI-native transition. You will leverage AI coding assistants and LLMs to personally build functional prototypes, ship smaller production features, or automate internal workflows. You
The requirements
Essential:
Experience leading product strategy and delivery for customer-facing products, with clear ownership of vision, prioritisation, and outcomes.
Experience owning a native mobile product for iOS and or Android, including taking an application from concept through to launch.
Experience building, hiring, and leading a cross-functional product team, working closely with engineering and design rather than operating as a delivery manager.
Ability to define success metrics, interpret data, and use evidence to make product trade-offs and prioritisation decisions.
Clear written and verbal communication, including presenting product direction, trade-offs, and progress to senior stakeholders.
Product-level technical understanding of native mobile and backend systems, sufficient to challenge assumptions, evaluate architectural trade-offs, and make informed product decisions.
AI fluency & hands-on execution: You have a builder mindset and are comfortable using AI to build prototypes, or develop production-ready features. You don't just delegate technical tasks; you use AI to augment your own technical capabilities.
Workflow innovation: A proven track record of redesigning product workflows using AI. You can demonstrate how you’ve used AI to move faster and you can coach others to do the same.
Bonus:
Experience working in FinTech, Payments, or other regulated product environments.
Experience scaling a mobile product post-launch, including improving reliability, engagement, and app store performance over time.
The salary
We expect to pay from £100,000 - £130,000 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 performance and salary reviews.
The culture
At iwoca, we build with speed, ownership, and constant improvement. We care deeply about how work gets done — not just what gets done.
We have always been a Tech-company and are becoming an AI-native company. That means we actively use AI across product, operations, risk, and decision-making to move faster, go deeper, and challenge assumptions. We expect everyone to continuously explore better ways of working, adopt new tools quickly, and apply strong judgement in how they use them. We value people who think in systems, question the status quo, and use technology, including AI, to create meaningful leverage. At iwoca, great people don’t just do the work; they redesign how the work gets done.
The offices
We put a lot of effort into making iwoca a great place to work:
Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.
Events and clubs, like bingo, comedy nights, football, etc.
The benefits
Flexible working hours.
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.
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
Useful links:
iwoca benefits & policies
