Tech Lead – Decision Technology

iwoca

Tech Lead leading engineering systems in Credit Risk at iwoca, focusing on high-quality solutions and hands-on coding. Collaborating with data scientists and analysts to improve lending decisions.

Posted 5/18/2026full-timeLondon • 🇬🇧 United KingdomSenior💰 £100,000 - £150,000 per yearWebsite

Tech Stack

Tools & technologies

PostgresPython

About the role

Key responsibilities & impact

Lead four engineers working on the modelling platform and surrounding systems; help the team deliver high-quality solutions.
Raise engineering standards across modelling systems and infrastructure, with a focus on reliability, observability, reproducibility, and safe change.
Set technical direction by understanding adjacent systems, workflows, and constraints to identify the right problems to solve at the right time.
Stay hands-on in the codebase, especially when the team is dealing with ambiguity, cross-system complexity, or problems without an obvious owner.
Lead by example in how problems are approached and how rigour is balanced with speed of delivery.
Contribute directly to the systems that matter most, making pragmatic changes that reduce friction, strengthen the platform, and improve reliability in production.
Engineering decisions in this area directly affect the accuracy of our credit decisions and the volume of lending iwoca can responsibly support.
Better infrastructure leads to faster experimentation and better models.
Help the team to work faster and with more confidence in the platform. Work with data scientists and strategy analysts to maintain the feedback loop between analysis, strategy and engineering.

Requirements

What you’ll need

Advanced proficiency in software development.
Experience building and shaping large systems in complex business domains.
Experience building robust systems where the 'product' is high-quality data and you can 'speak the language' of analysts and data scientists.
Confidence to work closely with partners from other disciplines to challenge assumptions and discover underlying problems.
Demonstrable leadership skills: you have mentored juniors and inspired teams to deliver cross-functional projects. You can balance hands-on coding with strategic planning.
You use AI (like Cursor, Claude Code or similar) in your daily flow—whether for work or for fun. You use it to blast through boilerplate and research, so you can focus on the hard parts: complex architecture, rigour, and high-stakes decision-making.
Bonus:
A strong numerical or technical background, ideally with a degree in physics, engineering, maths, computer science or a related field.
Experience building and maintaining analytics systems.
Experience with Python, Snowflake, or PostgreSQL.
Experience working on feature-management systems such as feature services or features stores.
An understanding of complex data systems, including event-sourced data models.

Benefits

Comp & perks

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.
And to make sure we all keep learning, we offer:
A learning and development budget for everyone.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.

ATS Keywords

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Hard Skills & Tools

software developmentsystem architecturedata analyticsPythonSnowflakePostgreSQLfeature management systemsevent-sourced data modelshigh-quality datacomplex business domains

Soft Skills

leadershipmentoringcross-functional collaborationproblem-solvingstrategic planningcommunicationconfidencerigouradaptabilityinspiration

Certifications

degree in physicsdegree in engineeringdegree in mathsdegree in computer science