Back End Engineer - MVP

iwoca; London; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

iwoca is seeking a Back End Engineer to join the Credit Cards MVP Team in London. In this role, you will build and deliver essential core services and customer journeys for a new credit card product, collaborating closely with internal teams and external partners in a dynamic, fast-paced environment.

Benefits

Flexible working

Medical insurance

Private GP service

25 days' holiday plus additional leave options

Paid sabbatical after four years

Learning and development budget

Cycle-to-work scheme

Company retreats

Qualifications

• Significant experience in Python and scalable back-end systems for customer-facing products.
• Ability to integrate third-party APIs and manage relational databases.
• Experience across the full stack is essential.

Responsibilities

• Build and maintain foundational back-end services for the credit card MVP.
• Collaborate to design seamless customer journeys for the credit card product.
• Influence technical decisions and architecture within the team.

Skills

Python

Integration with third-party APIs

Relational databases

Code quality

Fast-paced iteration

Tools

Django

React

TypeScript

Job description

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Back End Engineer - Credit Cards MVP Team

Hybrid in London, United Kingdom

We're hiring a Back End Engineer.

You'll build and deliver our credit card MVP, working across the stack to create core services and customer journeys. You'll ship code daily, and directly influence technical direction, shaping how we launch and scale this new product.

The company

Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small 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 it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need - often within minutes.

The team

We're a small, high-impact team building and launching a lean, end-to-end credit card experience for our customers. Our mission is to quickly scope, build, and deliver a robust Minimum Viable Product (MVP), directly validating the core product vision and influencing the long-term solution.

The role

As a Back End Engineer, you'll play a central, hands-on role in delivering our credit card product. This is a high-impact opportunity, where you'll collaborate with the Tech Lead and Team Lead, aligning with internal teams and external providers. You'll ship code daily, iterate quickly, and build alongside the team as we launch and scale the product.

The projects

As part of the MVP team, you will:

• Build Core Services: Develop and maintain the foundational back end services that power our credit card MVP.
• Craft Customer Journeys: Design and build seamless application and management flows for our credit card customers.
• Integrate Strategic Partnerships: Lead integrations with third-party platforms vital for core credit card functionality.
• Empower Operations: Develop essential internal tooling, monitoring, and dashboards to ensure a smooth, successful launch.
• Contribute to Technical Direction: Influence technical decisions, architectural design, and evolving engineering standards within the team.

The requirements

Essential:

• Significant Python experience, building scalable back end systems, ideally for customer-facing products.
• Hands-on experience integrating third-party APIs.
• Experience working with relational databases at least at the scale of tables with millions of rows, and experience of data migrations and backfilling data for analytics.
• Experience & willingness to work across the full stack.
• Strong focus on code quality, testing, and performance.
• Pragmatic and delivery-focused, able to balance speed and technical debt for MVP delivery.
• You thrive in fast-paced environments and are comfortable iterating quickly to deliver value early and often.

Bonus:

• Experience in fintech, financial data, working with credit reference agencies or credit cards.
• Proficient in front end technologies (React and TypeScript).
• Experience with Django.

The salary

We expect to pay from £60,000 - £80,000 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 salary and performance reviews.

The culture

At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.

The offices

We put a lot of effort into making iwoca a brilliant place to work:

• Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.
• Events and clubs, like bingo, movie nights, yoga classes, football, etc.

The benefits

• Flexible working.
• 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, 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 emotional and mental health support.
• 3% Pension contributions and share options.
• Generous parental leave and a nursery tax benefit scheme to help you save money.
• Cycle-to-work scheme and electric car 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.
• Access to learning platforms like Treehouse.

Job ID e467af2f-85b4-40c1-91e3-115f779a2fc8