Back End Engineer - iwocaPay

Hybrid working in London, UK (At least one day in office per week)

iwoca

Pay provides trade credit and Buy-Now-Pay-Later (BNPL) solutions to businesses. The team works with hundreds of sellers to help thousands of buyers manage their cash flow, increase their purchasing power and operate with flexibility.

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 super‑power.

Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.

The iwoca

Pay team runs like an independent start‑up within iwoca. We build trade credit and Buy‑Now‑Pay‑Later (BNPL) solutions for businesses. Our product helps thousands of buyers manage their cash flow and purchasing power, while supporting hundreds of sellers to offer flexible payment options. We’re growing fast, now over 30 people strong, with seven engineers, two product managers, one designer, and a full set of operational roles.

We’re committed to doing good work and moving quickly, iterating frequently to ship features that matter. We run daily standups and regular offsites to stay connected. We also work closely with other iwoca teams, sharing code and benefiting from shared resources, such as our dedicated Dev Ops team.

As a Back End engineer in the iwoca

Pay team, you’ll build APIs and e‑commerce plugins that help suppliers get paid fast. You’ll shape the end‑to‑end experience for buyers and suppliers, using data to guide improvements and measure impact. You’ll work closely with product, design, operations, and other teams to deliver high‑quality, user‑focused features.

• Improving checkout conversion:
  We're testing different UX approaches and payment options to reduce friction at checkout and increase conversion for sellers using iwoca
  
  Pay. This includes experimenting with offer layouts, messaging, and eligibility visibility.
• Smarter credit decisions:
  We’re enhancing our decision engine to offer more accurate and instant credit decisions for buyers, based on real‑time data. This includes refining our models to support higher‑value transactions and broader customer segments.
• Ecommerce integrations:
  We’re expanding and improving our plugins for major e‑commerce platforms, making them easier for suppliers to install and use. The goal is to simplify onboarding while supporting more use cases out of the box.
• Seamless use of other iwoca products:
  We're making it easier for our customers to access all of iwoca’s products. The goal is to create a seamless journey for customers, allowing them to effortlessly move between iwoca
  
  Pay and other solutions like a Flexi‑Loan or a credit card.

• Significant back end engineering experience, ideally using Python
• Experience designing, building, and maintaining API endpoints
• Experience with Postgre
  
  SQL and/or other relational databases
• Strong communication skills, with the ability to translate business needs into clear, effective technical solutions

• Confidence in working across the full stack, including front‑end development in React/Type Script, with a desire to learn new technologies
• Familiarity with PHP, particularly for contributing to e‑commerce plugins
• Understanding of Dev Ops practices, including…