iwoca

Business Development Rep

• Build, maintain and expand relationships with commercial loan brokers across Germany
• Plan, organize and execute partner meetings and regional events — high travel requirement (regular on-site visits to brokers, events, trade shows)
• Manage and automate partner outreach through our CRM system (HubSpot) — segmentation, campaigns, nurturing
• Develop and implement enablement initiatives (trainings, webinars, sales materials, playbooks)
• Analyze relevant KPIs (activation rate, conversion, volume, CLTV) and derive concrete actions
• Provide telephone and in-person support including regular check-ins and performance reviews
• Optimize and standardize onboarding processes in collaboration with all relevant stakeholders
• Continuously provide market feedback to product and process teams to optimize the partner journey.

Business Development Manager

Product Manager

• Lead the development and ownership of the team roadmap, with a strong focus on scaling our operations, introducing automation and designing AI supported workflows where they have the highest impact.
• Run effective prioritisation, weighing customer value, operational impact and technical effort, and manage stakeholder engagement so that expectations and trade offs are clear.
• Actively engage in the discovery and evolution of the broader team roadmap and harness both qualitative and quantitative methodologies to uncover fresh insights and opportunities, fostering a culture of continuous improvement.
• Break down complex technical and operational challenges into manageable components and facilitate effective problem solving within the team, fostering agility and adaptability.
• Collaborate closely with programmers, designers and data specialists to craft clear product and feature requirements, ensuring alignment with business objectives, user needs and operational constraints.
• Be in charge of the swift delivery of new features, managing step by step the intermediate milestones and removing blockers.
• Ensure the quality of delivery by following up post release to proactively find bugs and understand how changes are used in practice.
• Post release, evaluate the impact of the project to determine whether the objectives were achieved and the value was realised (and if not, work out what we can learn from it and what we could do to improve it).
• Be the voice of the team, working closely with business stakeholders to make sure that Tech and the business stay aligned on progress and goals, and that new ways of working are understood, adopted and embedded in day to day operations.

Product Manager – Operations

Product Marketing

• Help small businesses in Germany get the funding they need.
• Shape positioning and messaging across the German market while partnering with engineering and data to deliver tools that power smarter acquisition and higher conversion.
• Define hypotheses, build experiments, and own initiatives that improve how German businesses first engage with iwoca.
• Bring ideas to life through rigorous insight, strong customer empathy, and practical delivery.
• Contribute to the long-term vision and operating cadence of the team.
• Understand the German SME lending landscape, customer needs, and competitive context.
• Inform targeting and segmentation strategies to help Marketing and Sales reach the right customers.
• Partner with engineers and data scientists to develop tools such as lead scoring systems, eligibility checkers, and onboarding journeys.
• Work with marketing, product, and engineering to evolve website content, sign-up flows, and decisioning logic to increase conversion.
• Influence future team capability by helping define priorities, roles, and processes as the team scales.
• Design, run, and interpret A/B tests across messaging, targeting, onboarding tools, and product flows.
• Identify opportunities using data, customer research, and funnel analysis.
• Act as the connective tissue between commercial teams and the Acquisition Tech squad.
• Help establish the operating rhythm, rituals, and roadmap processes for the new team.

Product Marketing Manager – Acquisition Tech

Full-stack Engineer

• 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.

Full Stack Engineer – Credit Compass

Technical Recruiter

• You’ll hire exceptional people and help build effective tech teams that solve real business problems.
• You’ll advise hiring managers, shape decision-making with data, and collaborate with leadership on our tech hiring strategy.
• You'll focus on thoughtful and evidence-based technical recruitment across engineering, product, and data.
• You'll run processes end to end, from understanding team needs through to assessment, selection, and offer, using data and candidate evidence to guide decisions.
• You'll decide when to use our tried and tested approaches, and when a situation calls for a different method or a step-change in how we work.
• You'll partner with senior stakeholders, build trust, share insights and guide your colleagues to make the right call.

Senior Technical Recruiter

Backend Engineer

• Design, build, and own the high-performance services that execute our lending strategy.
• Own projects end to end, from scoping and design to execution. Lead multi-engineer projects, coordinating with analysts, product managers, and other stakeholders.
• Enhance our offerings to meet the needs of repeat customers, improving their access to tailored lending solutions.
• Design and maintain robust, flexible, and maintainable systems to ensure scalability and fast-paced development.
• Embrace a culture of experimentation, using trial and error to uncover insights, refine approaches, and grow your technical and strategic skills.
• Work iteratively, supported by high test coverage, and contribute to the team’s frequent deployment cycles (averaging more than once per day).
• Use hypothesis testing and metrics such as issuance and profitability to iterate and optimise our approach.

Back End Engineer

Paralegal

• Draft legal correspondence with support from Senior Paralegals
• Work closely with team members in Collections and Litigation to ensure clerical order across the department, facilitating positive customer outcomes
• Handle inbound and outbound correspondence for the department
• Collection and delivery of physical post each day
• Assist Collection Managers & Paralegals with referrals to third parties, such as Solicitors, High Court Enforcement Officers and Insolvency Practitioners
• File records and log incoming mail
• Draft letters as part of the legal process
• Contribute to process improvements and knowledge sharing within the team
• Keep accurate system records of activities, observations and outcomes within the Collections and Litigation processes
• Alert relevant Collector or Paralegal of issues requiring their attention
• Ensure compliance with all appropriate legislation regulatory body guidelines and adhere to our company policies and procedures

Junior Paralegal

• Build APIs, user interfaces, and ecommerce plugins that help suppliers get paid fast.
• Shape the end-to-end experience for buyers and suppliers, using data to guide improvements and measure impact.
• Work closely with product, design, operations, and other teams to deliver high-quality, user-focused features.
• Improving checkout conversion: Testing different UX approaches and payment options to reduce friction at checkout and increase conversion for sellers using iwocaPay.
• Smarter credit decisions: Enhancing decision engine to offer more accurate and instant credit decisions for buyers, based on real-time data.
• Ecommerce integrations: Expanding and improving plugins for major ecommerce platforms.
• Seamless use of other iwoca products: Making it easier for customers to access all iwoca’s products, creating a seamless journey for customers.

Full Stack Engineer

Analyst

• Analyse data and contribute to the development of credit models for the enhanced underwriting segment
• Work with analysts, data scientists, and senior stakeholders to shape iwoca’s lending strategy
• Build expertise in the credit domain and develop analytical skills through exposure to different experimental approaches and complex analysis
• Practice turning data into information, and information into insights, so that stakeholders can deliver improvements with real customer and business impact
• Monitor and refine risk models to improve decision-making and portfolio outcomes
• Analyse portfolios and tests to investigate credit performance, identify drivers of change, and adapt lending strategies
• Improve data, systems, and workflows to strengthen underwriting and monitoring
• Support new product launches and adapt policies to meet investor and regulatory needs
• Collaborate within a hybrid London-based Credit Risk Modelling team, participating in weekly meetings and regular standups

Risk Analyst – Credit Risk Modelling

• Hybrid in London (UK) or Remote within the UK
• Lead the delivery of well-defined projects involving many stakeholders and systems.
• Go beyond the code to develop a deep expertise in the fintech team’s domain, understand our core financial products and our stakeholder needs to become a trusted technical advisor to the business.
• Perform detailed technical scoping and prototyping to support feasibility testing and decision making.
• Architect and implement scalable solutions for complex challenges, such as building a new ledger system or integrating real-time payments.
• Translate ambiguous product requirements into clear, actionable technical plans that guide the team’s work.
• Contribute high-quality, production-ready code and foster a collaborative environment by reviewing work, helping to troubleshoot live issues, and writing useful documentation.
• Embrace and demonstrate a growth mindset by sharing new technologies and best practices within the team and across the company.
• Work with the Tech Lead to improve our development and agile practices.

Senior Back End Engineer, FinTech

Collections

• Manage your own customer portfolio, speak with customers, and negotiate solutions that are optimal for both the customers and iwoca.
• Decide independently, within the framework of internal guidelines, on the best approach to find solutions with customers.
• Act as the interface between commercial dunning and judicial collection proceedings.
• Analyse the financial situation of customers and develop appropriate strategies to provide the best possible support.
• Collaborate with paralegals, external lawyers, Account Managers, Credit Analysis, and other iwoca teams on complex cases.
• Improve collaboration and maintain relationships with stakeholders (lawyers, courts, insolvency administrators).
• Serve as a role model for company values and help shape office culture.
• Work on cross-functional projects to optimise and implement processes and manage projects alongside daily work.

Senior Collections Agent

Performance Marketing

• Set up new campaigns and ad groups in Google Ads and Meta Ads based on strategic decisions
• Monitor campaign performance and budgets daily to detect anomalies or over/underspending
• Execute bulk edits and uploads using Google Ads Editor
• Conduct ongoing keyword research and hygiene, including analyzing search term reports and adding negative keywords
• Prepare and format weekly performance reports to support strategic decision-making
• Assist with in-depth analyses by providing and preparing relevant data
• Ensure Looker dashboards are functional and up to date
• Research competitor ads and market trends for creative inspiration
• Support the creation of creative briefs for new ad assets and upload/organise creatives across platforms
• Execute and monitor A/B tests (ad assets, audiences, landing pages)
• Work closely with content & organic specialists and the performance marketing lead to own Paid Search and scale Paid Social
• Experiment across diverse channel mix including direct mail and partnerships and help transition work in-house from external agency