Full Stack Engineer

Full Stack Engineer - Offers Team

Hybrid in London, UK

We’re looking for a Full Stack Engineer to join our Offers Team
We’d like you to be a part of the technical evolution of iwoca’s offer-generation systems in a role that is critical in allowing us to bring a great product offering and experience to hundreds of thousands of businesses. You’d be helping design and build a set of orchestrated services that will help us as we scale.

Imagine a world where every small business has the power to thrive. That's the world we're building ll 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 a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need – often within minutes.

The Offers team own and optimise the systems that generate loan offers for new customers — including pricing, credit limits, and other offer terms — and choose which offers to present to the customer.

You’d join a build team of six people consisting of data scientists, strategy analysts and software engineers, all aiming to improve our area of the funnel. We primarily work a hybrid in London, with regular knowledge sharing sessions amongst the team to promote curiosity and learning.

As a full-stack engineer in the Offers team, you’ll work closely with our tech and product strategy lead to provide critical input related to our technical needs and solutions. While there is some front-end work to be done, the majority of your work will be back-end.

Projects

• Optimise and deploy live decision models:
  Collaborate with data scientists to reduce the runtime of optimisation models, ensuring timely decisions and low‑load times for customers. This involves deep dives into performance bottlenecks and implementing efficient solutions.

• Redesign offer generation architecture:
  Evolve and consolidate our offer generation services, leveraging your expertise to refactor and simplify the existing architecture. This investment will enhance scalability and maintainability, reflecting iwoca's growth and modern approach to business loans.

• Implement new customer offer display interfaces:
  Develop and maintain user interfaces that allow customers to interact with and customise their loan offers. This includes building and integrating features and tools that maximise the utility of our products.

• Develop robust analytics infrastructure:
  Build and enhance data models and pipelines to ensure accurate and timely data collections. This will involve designing and implementing data solutions that empower the strategy and analytics team to conduct split tests and make data‑driven decisions.

The requirements

• Proficiency in Python with a strong background in back‑end engineering.

• Experience designing, building, and managing relational databases.

• Experience designing, building, and maintaining API endpoints.

• Confidence working across the full stack, including front‑end development in React/Type Script, with a desire to learn new technologies.

• Strong communication skills, with the ability to translate business needs into clear, effective technical solutions.

Bonus:

• Experience with Django and PostgreSQL
• Experience with design software, such as Figma
• Understanding of Dev Ops practices, including containerisation and CI/CD
• A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience

The salary

We…