Full Stack Engineer - Credit Compass

iwoca; City of Westminster; On-site; GBP 60,000 - 80,000; Full time

Job summary

A leading fintech company in the UK is seeking a Full Stack Engineer to join their Credit Compass team. The role focuses on transforming complex financial data into intuitive experiences for small business owners. Responsibilities include developing user features, maintaining core systems, and collaborating closely with product and design teams. Candidates should have significant experience with full-stack development, particularly in React and Python. Benefits include flexible hours, medical insurance, and generous leave policies, with a salary range of £60,000-£80,000.

Benefits

Flexible working hours

Medical insurance

Private GP service

25 days' holiday

Paid sabbatical after four years

Wellness support

Employee equity incentive scheme

Qualifications

• Significant experience as a software engineer working across the stack.
• Experience building and maintaining back-end services in Python, ideally with Django.
• Confidence working with data-rich products, including querying relational databases.

Responsibilities

• Build and ship user-facing features on the roadmap.
• Turn raw data into clear visualisations and nudges.
• Own features end-to-end from scoping to implementation.

Skills

Front-end skills in React/TypeScript

Back-end services in Python/Django

Confidence with data-rich products

Strong communication skills

Product mindset

Education

Degree in maths, physics, computer science, or engineering

Job description

The Credit Compass team is responsible for helping small businesses understand, monitor, and improve their credit health by turning complex financial data into clear, actionable insights. The team owns the product end-to-end, from integrating data sources and shaping scoring logic through to designing the dashboards, journeys, and nudges that keep customers coming back. It is a cross-functional team of front‑end and back‑end engineers, product, design, and analytics, working closely together to run experiments, ship iteratively, and collaborate with other iwoca teams to share data and infrastructure.

The role: As a full stack engineer in the Credit Compass retention squad, you'll help turn complex financial data into clear, trustworthy experiences that small business owners want to come back to every month. You'll work across the stack with a particular focus on our dashboards and journeys, shaping how customers monitor their business health, understand their credit position, and decide what to do next.

Responsibilities

• Build and ship user‑facing features on our roadmap - such as Monitoring, Cashflow Analysis and Spend Benchmarking - that make Credit Compass a habit, not a one‑off tool.
• Turn raw Open Banking, credit bureau and internal data into clear, accurate visualisations, explanations and nudges that help customers take confident next steps and stay engaged with iwoca.
• Own features end‑to‑end: from scoping and technical design through to implementation, rollout, and iteration based on what we learn.
• Maintain and improve the core systems behind Credit Compass, ensuring dashboards, scores and data integrations stay fast, reliable and easy to extend as the product and Retention team grow.
• Monitor and debug production issues, quickly identifying and fixing problems to protect user trust and product performance.
• Partner closely with Product, Design and Data to shape solutions that balance impact, effort and scalability, using experiments and metrics to guide decisions about customer retention.
• Contribute to squad rituals - from planning and estimation to retros - sharing context, surfacing risks and helping the team adapt as priorities evolve (for example, moving from core retention work into early monetisation experiments).
• Write clean, well‑tested code in Python/Django and TypeScript/React, and take part in code reviews to keep quality high across the codebase.
• Improve internal tools and CRM integrations that help us respond to user behaviour more quickly and reduce manual work for the wider team.

Qualifications

• Significant experience as a software engineer working across the stack, with strong front‑end skills in React/TypeScript.
• Experience building and maintaining back‑end services in Python, ideally with Django, including designing and consuming API endpoints.
• Confidence working with data‑rich products - for example, querying relational databases and integrating third‑party APIs.
• Strong communication skills, with the ability to translate business and customer needs into clear, effective technical solutions.
• A product mindset: you care about outcomes over outputs, are comfortable working with experiments and metrics, and enjoy collaborating closely with Product, Design and Data.

Bonus

• Experience building dashboards, analytics tools, or other products that help users understand and act on data.
• Familiarity with integrating complex external services (e.g. Open Banking, credit bureaus).
• A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience.

We're looking for a frontend‑focused Full Stack Engineer to design and build the intuitive, high‑performing experiences and services that power Credit Compass, helping small businesses understand, monitor and improve their credit health.

Company and Culture

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 more than 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 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 performance and salary reviews.

Benefits

• 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.

Learning and Development

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

Locations

• Offices in London, Leeds, Berlin and Frankfurt.

Useful Links

• iwoca benefits & policies
• Interview welcome pack