Iwoca is an online credit financing company that provides loans to SMEs.
This company offers a hybrid work model combining remote and office work.
iwoca is transforming access to finance for small and medium-sized businesses across the UK and Germany. We empower SMEs to manage cash flow and seize growth opportunities with flexible financing solutions. To date, we have lent over £4 billion to 100,000 businesses. Our primary offering is the Flexi-Loan, providing unsecured loans from £1,000 to £1,000,000, with repayment terms up to 60 months. We also offer iwocaPay, helping suppliers get paid instantly while offering flexible terms to their customers. Our cutting-edge technology and data science ensure quick decisions, with funds often reaching businesses within 24 hours. We serve a diverse client base, including retailers, restaurants, and hotels, focusing on speed, confidence, and control for business owners.
Our culture champions independent thinking, challenges untested logic, and bases decisions on evidence. We prioritize learning and growth, giving you the autonomy to develop in ways that maximize your effectiveness. We are a tech company that believes in AI's power to enhance work speed and quality. We provide infrastructure so every iwocan has access to the best models and data. We support your continuous learning and growth with these new tools. Our hybrid work model allows many team members to work remotely within the UK or Germany. We embrace flexible working hours and focus on impact, empowering you to work where you are most productive. You can also work remotely abroad for up to 8 weeks per financial year.
Our engineering teams build robust systems that power iwoca’s financial products and internal operations. We tackle complex challenges in credit risk modeling, internal tool development, and scalable infrastructure. You will work on back-end systems using Python frameworks like Django, FastAPI, Flask, or Ninja, supported by relational databases like PostgreSQL. We continuously evolve our architecture, ensuring dependability as we scale. Our engineers advocate for quality through rigorous code reviews and design sessions, driving better engineering practices. For our Credit Risk team, you will own the infrastructure behind our production ML, leading engineers and working with data scientists. You will improve how iwoca’s models are built, deployed, and monitored at scale. We value a generalist mindset, challenging assumptions to find optimal solutions. We use modern tools, including AI, to maximize quality, speed, and rigor in our technical work. This direct impact on credit decisions ensures responsible lending and supports our ambitious growth.