Back End Engineer - RepeatsHybrid in London, United Kingdom (At least one day in office per week)We're looking for a back-end engineer to join the Repeats team.
You will work on the services that decide which repeat customers get a loan, at what price, and how much they can borrow.
These sit at the heart of iwoca's back book.
The companyImagine 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 over 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 combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower.
Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.
The teamThe Repeats team is one of iwoca's funnel teams.
We grow customer lifetime value after a business's first loan.
That means we own the underwriting, pricing, and product experience for two segments that make up most of iwoca's back-book value: top-up customers who borrow again while still repaying, and loan-ended customers who return for a new loan.
Almost every repeat borrower goes through code we own.
The team is cross-functional – backend, frontend, product, design, data science and analytics – shipping behind split tests and measuring impact in Looker rather than on gut feel.