iwoca - Full-Stack Engineer - Operations Engineering Team
Requirements
• Proven track record designing and building backend systems using Python, with the ability to work across front-end codebases, particularly React or TypeScript, to deliver projects end to end. • You use AI (like Cursor, Claude Code or similar) in your daily flow—whether for work or for fun. You use it to blast through boilerplate and research, so you can focus on the hard parts: complex architecture, rigour, and high-stakes decision-making. • Experience working with relational databases, ideally PostgreSQL or similar, with an understanding of performance and maintainability considerations. • Able to use lateral thinking to anticipate technical challenges and to improve existing systems that support complex workflows. • A track record of taking work from an initial problem through to delivery, including shaping solutions, making trade-offs, and iterating based on how systems are used. • Strong communication skills to be able to explain complex technical topics in simple terms and to articulate and influence decision making within the team. • Knowing how to scale systems: Familiarity with working on internal tools or platforms used by large operational teams. • Framework experience across Python and TypeScript such as Django, FastAPI and React. • Modern deployment experience: Working with CI/CD pipelines or deployment workflows. • A data-driven mindset: Using data or metrics to assess whether changes have had the intended effect.
Responsibilities
• Section 3 of 3: You and AI • At iwoca, we expect AI to become central to how analytical and technical work gets done. We’re looking for AI native engineers who use the latest tools to turn great ideas into living products. • Which of these have you experimented with or integrated into your workflow? • Whether it’s for your day job or a weekend project, tell us what’s in your toolkit. Select all that apply. • Models in CLI (e.g. Claude Code, Aider, Cline, or similar) • AI-Native IDEs (e.g. Cursor, Windsurf, PearAI, or similar) • Spec-driven development (SDD): Using AI to turn high level specs into working code (e.g. using tools like Kiro, Spec-kit, Tessl Framework or similar) • Advanced Context & Knowledge Graphs (e.g. Cognee, MCP servers, RAG-based codebase indexing) • Locally hosted AI (e.g. Ollama, LM Studio, or similar) • AI Reliability & Maintenance (e.g. building evals, observability, or guardrails for your AI workflows) • None of the above • Is the tool you had in mind not mentioned above? Note it here • Tell us a story about an AI-driven workflow you’ve built that you’re proud of. • Professional or personal – both count. We’d love to hear what the bottleneck or challenge was, what you used or built, and what happened. • Diversity Survey (Optional) • This survey helps us evaluate our diversity and inclusion efforts. It's voluntary and optional. And, refusal to submit the survey will not affect your job application. • Survey answers are not seen on an individual basis. This submission will only be used to help us with our commitment to continuously improve our diversity and inclusivity best practices. • Either way, thank you for reading. • What is your current age? • I prefer not to answer • What is your gender identity? • Another Gender Identity • Which of the following communities do you belong to? Please select all that apply. • Person with disability • Refugee or immigrant • None of the above • What is your racial or ethnic identity? • Our data retention policy. • When you apply for a job at iwoca we will retain your personal data (includes your CV, email correspondence, interview notes and application test scores) for a period of time so that, in the event of a legal claim, we can demonstrate that we did not discriminate against applicants on prohibited grounds and that we conducted the recruitment process in a fair and transparent manner. • For candidates applying to our vacancies in the UK: • If you are unsuccessful with your application we will keep hold of your data for 6 months. For more information on this, please see our UK candidate privacy notice. • For candidates applying to our vacancies in Germany: • If you are unsuccessful with your application we will keep hold of your data for 6 months. After this period, we will securely destroy your personal data in accordance with our DE Data Retention Policy. • Optional : Consent to extended retention period: • If you are happy to give us consent to do so, we would like to keep your data for up to 24 months so we can contact you should any future opportunities arise. Please tick the corresponding consent box below if you would like us to retain your data for that extended period. You can withdraw your consent at any time by contacting us via the details below. • Help or queries: • If you have any questions about our privacy policies or the protection of your data please contact our data protection officers by email at [email protected] (UK) or [email protected] (Germany) • Note: The consent period lasts for 2 years • Recruiting Privacy Policy • Submit Application
Benefits
• Full-Stack Engineer - Operations Engineering Team • Hybrid in London - one or two office days per week • We’re looking for a Full-Stack Engineer to build the systems that power iwoca’s German business. • You’ll join the Operations Engineering team, a cross-functional group that builds the proprietary tools (like our CRM) that our German operations staff use every day. You’ll own high-impact projects from the ground up, using your technical experience and curious mindset to improve how we serve small businesses while also helping to level up the wider engineering team. • 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 Operations Engineering team is a cross-functional group consisting of three full-stack engineers and one product manager. The team works closely with the Operations, Operations Strategy and Analytics teams to deliver impactful changes across the wider Operations function. The team builds and maintains the internal systems – including tools for underwriting, notifications, and account management – that power iwoca’s German market. They support more than 70 colleagues across sales, credit, and collections who rely on these tools every day. • As the German business grows, the Operations Engineering team is moving beyond small improvements and into reworking how work is done. By reducing manual steps and improving how information flows through the company, the team directly influences how quickly other teams can act, how reliably iwoca can support its customers, and where we can most effectively spend human effort. • We expect to pay from £75,000–£90,000 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 prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time. • 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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions. • Flexible working hours. • Medical insurance from Vitality, including discounted gym membership. • A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses. • 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. • Interview welcome pack
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