Back End Engineer - Finance Technology Team

iwoca Limited

Job Overview

Location

London

Job Type

Full-time

Full Job Description

📋 Description

• As a Back End Engineer on iwoca’s Finance Technology team, you will play a critical role in building and maintaining the payment infrastructure and financial data systems that enable small and medium-sized enterprises (SMEs) to access fast, flexible financing when they need it most. Your work directly supports iwoca’s mission to empower one million SMEs by providing reliable, scalable technology that underpins core financial products and services.
• You will contribute to high-impact projects involving multiple stakeholders and systems, translating ambiguous product requirements into clear technical plans while developing deep domain expertise in financial technology to become a trusted advisor across the business.
• Day to day, you will implement scalable solutions such as building payment microservices, integrating direct debit systems, and rearchitecting reporting technology; write high-quality, production-ready code in Python using frameworks like Django or FastAPI; conduct technical scoping and prototyping for feasibility testing; collaborate closely with Tech Leads and Product Managers using Agile methodologies; review peers’ code, troubleshoot live issues, and write useful documentation to foster a collaborative environment.
• You will partner with the Finance team and other product teams to launch new features and enhancements, ensuring data integrity and system reliability in relational databases (primarily PostgreSQL), while managing complex API integrations with payment providers like Stripe or Braintree.
• The Finance Technology team is a skilled, collaborative group of back-end engineers who work closely with a dedicated Tech Lead and Product Manager, using Agile methods to ship code frequently and solve complex problems together. Four team members work remotely and three are hybrid (1–3 days per week in the London office), reflecting iwoca’s flexible working culture.
• By joining this team, you will deepen your expertise in financial systems and payment processing, grow as a technical leader through mentorship and knowledge sharing, and have the opportunity to influence engineering practices and raise the technical bar across the organization. You’ll work on meaningful problems that directly impact SMEs’ ability to grow and thrive.

🎯 Requirements

• Experience with Python web frameworks (Django / FastAPI / Flask / Starlette / Ninja)
• Experience with relational databases, ideally PostgreSQL, but open to MySQL or similar (e.g., MS SQL, Oracle), with emphasis on data integrity
• Experience contributing to the delivery of complex projects implemented by several engineers, including taking features from conception (0-1) to launch in a startup, scale-up, or SME environment
• A strong technical or mathematical foundation, evidenced by a degree in a quantitative field (Computer Science, Engineering, Physics, Maths or similar) or equivalent professional experience
• Experience of building and managing complex API integrations (e.g., Payments like Stripe/Braintree, or high-scale integrations in industries like Telecoms, Travel, Ad-Tech, or similar)
• Background in high-logic or high-scale fields like Fintech, Gaming, Healthcare Tech, Logistics, Security/Cryptography, or similar (nice-to-have)

🏖️ Benefits

• Flexible working hours
• Medical insurance from Vitality, including discounted gym membership
• Private GP service for you, your partner, and your dependents
• 25 days’ holiday per year, an extra day off for your birthday, option to buy or sell up to five additional days, and unlimited unpaid leave
• One-month fully paid sabbatical after four years of service
• Instant access to external counselling and therapy sessions for emotional or mental health support
• 3% pension contributions on total earnings
• Employee equity incentive scheme
• Generous parental leave and nursery tax benefit scheme
• Electric car scheme and cycle to work scheme
• Two company retreats per year (past destinations include France, Italy, Spain)
• Learning and development budget for everyone
• Company-wide talks with internal and external speakers
• Access to learning platforms like Treehouse

Skills & Technologies

Python

Django

Flask

FastAPI

Remote

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iwoca Limited

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About iwoca Limited

iwoca Limited is a UK-based fintech lender that provides short-term credit facilities and business loans to small and medium-sized enterprises through an online platform. Since 2012 it has funded more than £3 billion across 50,000+ UK and German businesses, using data-driven underwriting to deliver decisions in minutes. The company is authorised by the Financial Conduct Authority and headquartered in London, with offices in Leeds and Frankfurt.

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