Senior Back-End Engineer - Ledger Platform

Senior Back-End Engineer - Ledger Platform Hybrid in London (UK) or Remote within the UKWe’re looking for a Senior Back-End Engineer This role is a chance to tackle complex, high-impact challenges at the heart of our fintech platform. You will join the team that owns iwoca's ledger — the system of record for the money we lend and collect — and you will be responsible for scaling it across the full lifecycle of our credit card and lending products, building the reconciliation and reporting that prove it correct, and laying the foundations for our next generation of products.

This is a hands-on role: you'll design these systems, write the code, and own them in production.

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

The Ledger Platform team owns the ledger across all of iwoca's products, from credit cards to our lending range, plus everything around it: reconciliation, financial reporting, and the data Finance, Accounting and Capital Markets run on. We work closely with a Product Manager, shipping frequently and owning our systems in production. Some of the team work fully remotely and others are hybrid, working 1-3 days per week in the London office.

The role Responsibility and Autonomy:

Lead the delivery of projects involving many stakeholders and systems.

Go beyond the code to develop deep expertise in our domain — our core financial products and our stakeholders' needs — and become a trusted technical advisor to the business.

Perform detailed technical scoping and prototyping to support feasibility testing and decision making.

Delivery and Collaboration Architect and implement scalable solutions for complex challenges: the lifecycle of an account, interest and repayment allocation, reconciliation, and how financial data reaches our reporting stack.

Use domain modelling to find the simple design behind a complicated problem, and structure software so that it is easy to understand, test and  pragmatic about which parts of a problem actually need solving now. The hardest work here is deciding what not to build.

Build solutions that avoid single points of failure, and make sure our releases happen with zero downtime.

Translate ambiguous product requirements into clear, actionable technical plans that guide the team's work.

Promptly investigate and fix live issues, and ensure they do not resurface. Own what you ship in production and keep it reliable and easy to operate.

Contribute high-quality, production-ready code and foster a collaborative environment by reviewing work and writing useful documentation.

Learning and Growth:

Work with the team to improve our development and agile practices and raise our engineering standards.

Share new approaches and tooling with the wider engineering group through our internal forums and company-wide talks.

AI:

We're pushing hard on AI-assisted development. Engineers here write clear technical specs, let skills and agents implement boiler-plate, and hold a high bar on code review — the person, not the model, is accountable for what merges. We expect AI output to be validated for correctness, performance and security like any other change.

We give the team unlimited tokens across all models and expect people to experiment.

The requirements

Essential:

Extensive back-end engineering experience.

Experience building and running microservices and distributed systems in production. Comfortable reasoning about durable cross-service…