---
title: 'Financial Forecasting Analyst at iwoca'
canonical: 'https://feeny.ai/job/financial-forecasting-analyst-iwoca-london-tf2tv06v137b'
type: 'job'
last_seen: '2026-09-06'
---

# Financial Forecasting Analyst at iwoca

- **Company:** iwoca
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-07-07
- **Last confirmed live:** 2026-09-06
- **Apply:** https://jobs.ashbyhq.com/iwoca.co.uk/88893187-d6b4-48a0-a11d-ddab215c92d1

## Job description

The company

Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.

That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.

We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.

The team

The FP&A team is responsible for driving strategic decision making through forecasting, analysis and reporting performance. You’ll work closely with the FP&A Manager and will also work with the wider finance team as well as other functions across iwoca.

## The role

You’ll translate complex financial data into useful management information and produce annual budgets aiding long-term planning and growth.

Operational FP&A

- Preparation of the monthly operating model, including reconciliations to accounting software and posting of journals required to complete the model;
- Contribute to and improve forecasting methodology;
- Assisting in the development and maintenance of data pipelines;
- Assisting in preparation of monthly Board documentation and interim and year-end Budget documents;
- Identifying and rectifying issues/areas for improvement in the monthly operating model;
- Identifying and building datasets to compliment the enhancement of the monthly operating model;
- Liaising with departments across the business to:
- Understand business developments and how they impact inputs to the operating model.
- Identify areas of inconsistencies between operating model forecasts and those used by the wider business to improve the accuracy of reporting.
- Understand reporting requirements for each department to increase quality of communication across the business.;
- Reporting to external stakeholders
- Uses AI tools to explore data, generate insights, and improve workflows, driving faster and more accurate analysis

Data engineering and product development

- Contribute to the build out of iwoca’s forecasting platform
- Design features, using AI tools to test and build
- Integrate with other third-party tools e.g. Looker, Snowflake and NetSuite

The requirements

- Good analytical skills, high level of accuracy and attention to detail
- A growth mindset and be able to improve and develop our processes as we grow
- Be able to work to deadlines and manage stakeholder expectations
- Be able to learn quickly and embrace change - we are an innovative, fast growing company and always coming up with new ideas
- Proficient user of excel
- Experience with Looker, Snowflake or equivalent would be desirable
- Willingness and curiosity to leverage AI to maximise quality, speed and rigour
- Our approach to working from home is a ‘hybrid’ one, we will expect you to attend the London office twice a week.

The culture

At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time.

The offices

We put a lot of effort into making iwoca a great place to work:

- Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.
- Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.

The benefits

- Flexible working hours.
- Medical insurance from Vitality, including discounted gym membership.
- A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.
- 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.

Useful links:

- iwoca benefits & policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk
- Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap

## About iwoca

## Company Overview
- **One-liner**: iwoca is a fintech company that provides fast, flexible business loans and financial products to small and medium-sized enterprises (SMEs) in the UK and Germany.
- **Entity Type**: Private (Series D; cumulative debt and equity investment exceeds £1 billion)
- **Headquarters**: London, United Kingdom (additional offices in Leeds, Frankfurt, and Berlin)
- **Founded**: October 2011
- **Founders**: Christoph Rieche (CEO), James Dear (Co-founder)

## Core Business
- **Primary industry/industries**: Financial services – small business lending and embedded finance.
- **Target customers**: B2B – small and medium-sized enterprises (SMEs) in the UK and Germany.
- **Mission/purpose**: “Rebuild finance for small businesses” – to fund one million small businesses and give them straightforward access to finance without the friction of traditional banks.

## Products & Services
- **Flexi-Loan (Core Product)**: Unsecured business loan from £1,000 to £1,000,000 (UK) / €500,000 (Germany). Apply in 5 minutes, decision within 24 hours, repay early for free. Interest from 1.5% per 30 days, terms up to 5 years.
- **iwocaPay**: An integrated trade credit and payment solution that lets suppliers get paid instantly while giving trade customers up to £30,000 with instalment options (1, 3, or 12 months).
- **iwoca Business Credit Card** (launched May 2026): Up to £250,000 credit line with 1% cashback on all spending, up to 42 days interest-free, no annual/FX/late payment fees.

## Market Standing
- **Valuation**: Not publicly disclosed.
- **Key Metric**: Total funding raised (including debt facilities) exceeds **£1 billion** since 2012; cumulative lending of approximately **£4 billion** to over **100,000 businesses**.
- **Notable Investors/Partners**: Citibank, Insight Investment, Barclays, Värde Partners, Pollen Street Capital, Augmentum (led Series D in 2019), UK Government’s Capability & Innovations Fund.
- **Growth Signals**: 
  - Headcount grew ~30% in the past year (now ~500+ “iwocans”).
  - Loan book grew over 50% year-on-year.
  - Expanded into Germany (2015) and opened an office in Leeds.
  - Achieved net profitability in Q4 2022 and has remained profitable since.
  - Won “UK’s Top 50 Fintechs to Work For” (2025) by Welcome To The Jungle.

## Competitive Advantages
- **Speed and technology**: Fully automated, lightning-fast lending software – first lender in the UK to use Open Banking to connect with large banks.
- **Customer experience**: 5-minute application, 24-hour decision, free early repayment, Trustpilot-recognised customer service.
- **Product innovation**: Launched iwocaPay (trade credit) and a business credit card, expanding beyond basic loans.
- **Scale and data**: Over a decade of lending data and a proprietary credit analysis model that blends automation with human judgment.

## Strategic Focus
- **Expand product suite**: Continue growing iwocaPay and the new business credit card to offer a full financial toolkit for SMEs.
- **Geographic growth**: Deepen presence in Germany and the UK while maintaining profitability.
- **Scale to one million businesses**: Increase loan book, approval volumes, and customer base through technology and partnerships.

## Why Work Here
- **Culture**: Values-driven (“Growth Mindset”, “Humble”, “Smart”, “Motivated”). Emphasis on learning from mistakes, celebrating wins, and personal ownership.
- **Flexibility**: Hybrid/remote-friendly with flexible working arrangements. Twice-yearly team trips to locations like Sicily or the French Alps for co-working weeks.
- **Benefits**: Comprehensive health insurance, cash plan, discounted gym membership, annual stock options for all employees, enhanced maternity/paternity leave, nursery benefit, unlimited unpaid leave, dedicated learning time and budget.
- **Office life**: Each floor of London HQ has stocked fridges for breakfast/snacks, monthly social mixers.
- **Visa sponsorship**: Available for suitable roles.
- **Recognition**: 4.7 rating on Glassdoor, named a top fintech employer in 2025.

## Sources
1. [iwoca.co.uk – Careers](https://www.iwoca.co.uk/careers)
2. [iwoca.co.uk – About Us](http://iwoca.co.uk/about-us)
3. [iwoca.co.uk – Homepage](https://www.iwoca.co.uk/)
4. [Wikipedia – Iwoca](https://en.wikipedia.org/wiki/Iwoca)
5. [LinkedIn – iwoca](https://uk.linkedin.com/company/iwoca)

## Other roles at iwoca

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