Back End Engineer - Repeats

iwoca; City of Westminster; On-site; GBP 70,000 - 90,000; Full time

Job summary

A financial technology company in the UK is seeking a skilled Back-end Engineer to join their autonomous Repeats team. The role involves owning projects from scoping and design to execution, driving impact for repeat customers, and shaping scalable systems for efficient development. Ideal candidates will have experience in back-end engineering with Python, proven project leadership, and skills in automated testing. The company offers a salary range of £70,000 to £90,000, flexible working, and a supportive culture of growth and development.

Benefits

Flexible working

Medical insurance

Private GP service

25 days' holiday

Paid sabbatical

Mental health support

Pension contributions

Cycle-to-work scheme

Company retreats

Qualifications

• Experience in back-end engineering with Python.
• Proven ability to lead projects from design to execution.
• Strong communication skills for stakeholder engagement.
• Experience in writing comprehensive automated tests.

Responsibilities

• Lead projects from scoping and design to execution.
• Enhance offerings for repeat customers.
• Design and maintain scalable systems.
• Use data-driven decision-making to optimize approaches.
• Manage frequent deployment cycles.

Skills

Back-end engineering

Project leadership

Stakeholder communication

Automated testing

Data analysis

Job description

Overview

The Repeats team is an autonomous team responsible for the lending strategy and digital user experience of our recurring customers. They own all the product decisions that occur after a customer has taken their first funding. This includes the user journey for repeat customers, the eligibility and documents requirements for repeat applications, the offer terms (such as offered amount or pricing), among other things. The team is cross‑functional, with a data scientist and a strategy analyst on top of back‑end and front‑end developers. They work collaboratively to design new product features together and ensure these are delivered through an intuitive, high‑performing digital experience.

Responsibilities

• Exercise autonomy: own projects end to end, from scoping and design to execution. Lead multi‑engineer projects, coordinating with analysts, product managers, and other stakeholders.
• Drive impact: enhance our offerings to meet the needs of repeat customers, improving their access to tailored lending solutions.
• Shape our systems: design and maintain robust, flexible, and maintainable systems to ensure scalability and fast‑paced development.
• Learn through iteration: embrace a culture of experimentation, using trial and error to uncover insights, refine approaches, and grow your technical and strategic skills.
• Apply continuous deployment: work iteratively, supported by high test coverage, and contribute to the team's frequent deployment cycles (averaging more than once per day).
• Unlock data‑driven decision‑making: we use hypothesis testing and metrics such as issuance and profitability to iterate and optimise our approach.

Projects

• Top‑up eligibility: We’re optimising when customers are able to apply for more funds when they currently have an ongoing loan with us. This will involve setting up several tests affecting a core functionality of our product. This is a great opportunity to learn about our customers' behaviour and optimise a key element of our lending strategy.
• Offer amount testing: You will help re‑architect our offer strategy by building and scaling the micro‑service that controls offer amounts. This project involves designing and migrating business logic from our core monolith to this dedicated service, enabling the team to rapidly test how offer amounts affect customer behaviour, issuance, and loss rate.

Qualifications

• Experience in back‑end engineering, ideally with Python.
• Proven experience leading projects end to end, from designing to executing a solution.
• Good understanding of business problems and communication with stakeholders.
• Experience writing comprehensive automated tests and a high level of attention to detail to ensure safe releases.

Bonus

• An understanding of data analysis and statistics.

Company background

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.

Salary

We expect to pay from £70,000 to £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 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.

Offices

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

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.

Learning & Development

• A learning and development budget for everyone.
• Company‑wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.