Backend engineer for lending APIs

iwoca; Greater London; Híbrido; GBP 80.000 - 100.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Private medical insurance

Pension scheme

Equity incentive

Holiday allowance 25 days

Birthday day off

Sabbatical after four years

Counselling support

Learning budget

Company retreats

Nursery tax benefit

Electric car scheme

Treehouse learning platforms

Descripción de la vacante

iwoca is seeking a Senior Backend Engineer to own the Lending API in Germany, shaping its evolution and driving partner integrations through the developer portal and testing environments. You will lead design, API standards, and a roadmap with the product manager, while mentoring junior engineers and aligning German and UK requirements.

Responsibilities include end-to-end ownership of the API, improving broker onboarding, and automating CRM workflows.

Formación

• Backend engineering: designed and built production backend systems in Python (Django preferred; FastAPI/Flask acceptable).
• APIs: built and evolved APIs with clear versioning and maintainability.
• Ownership: delivered from problem scoping to production; trade-offs and iterative improvement.
• Mentoring: supported engineers via code reviews and design sessions.
• AI leverage: built agentic workflows or used AI to scale engineering output.

Responsabilidades

• Own the Lending API in Germany end to end; decide what to build and when to release.
• Own the developer portal and partner tooling for integration and testing.
• Ship features to speed up partner onboarding and pre-qualification.
• Automate broker funnel parts and CRM to reduce friction and improve decisions.
• Set technical direction and contribute to product roadmap with the PM.
• Collaborate with UK engineers on API designs and align with German requirements.
• Mentor and lead the team as the most senior engineer; support rotation with the team.

Conocimientos

Python

Django

FastAPI

Flask

PostgreSQL

API design

Mentoring

Communication

Team leadership

AI leverage

Herramientas

React

TypeScript

CI/CD

Descripción del empleo

Описание:

We’re looking for a Senior Backend Engineer You'll own the Lending API in Germany, which banks, fintechs, brokers, and comparison sites build on to offer iwoca's finance to their customers. You'll decide how it evolves and help build the features that make partners choose iwoca. 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.

Задачи:

Own the Lending API in Germany end to end, deciding what to build, when to release a new version, when to retire an old one, and what iwoca can promise partners. Own the developer portal and every tool partners use to integrate, from documentation that their developers and coding agents can build from to self-serve testing that needs no help from iwoca. Ship the features that make partners choose iwoca, starting with pre-qualification, which shows a customer what they could borrow before they apply. Make integration quick and simple, so a partner can go live with few questions and little hand-holding. Automate parts of the broker funnel and the internal CRM that broker account managers use, cutting friction and the lag between a decision and the action that follows, and building agents wherever they help. Set the team's technical direction and shape the product and technical roadmap alongside the product manager. Align designs with the UK engineers who share the API, so German requirements shape the design from the start. As well as being hands on, you’ll develop your mentoring and coaching skills. You’ll help lead the team as the most senior engineer. You'll work with the commercial colleagues who bring in new partners, and join the team's weekly support rotation.

Требования:

Backend engineering. You've designed and built production backend systems in Python – ideally with Django, though FastAPI or Flask count too. You've used PostgreSQL or another relational database in production, and kept it fast and maintainable. API design. You've built and evolved APIs that other teams or companies depend on, and made the decisions on structure, versioning, and change. Ownership. You've taken work from a commercial problem through to production – scoping the solution, making the trade-offs, and iterating based on how people use it. Mentoring. You've helped other engineers grow through code reviews and design sessions. AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone. You judge when to use it and when not to. Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience. Будет плюсом: Partner onboarding. You've helped external developers integrate with an API – through documentation, test environments, or working with them directly; Full-stack. You've contributed to frontend codebases, particularly in React or TypeScript; CI/CD. You've set up or maintained the pipelines that test and release a production service; Measurement. You've used data, metrics, or A/B tests to check whether a change had the effect you intended.

Условия:

We expect to pay from £80,000 to £100,000 for this role. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.

Flexible working hours. 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 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. A learning and development budget for everyone. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse.

At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. 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.