---
title: 'FP&A & Data Analyst at iwoca'
canonical: 'https://feeny.ai/job/fp-a-data-analyst-iwoca-london-xeqw4ytf8yaq'
type: 'job'
last_seen: '2026-09-13'
---

# FP&A & Data Analyst at iwoca

- **Company:** iwoca
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-07-07
- **Last confirmed live:** 2026-09-13
- **Apply:** https://jobs.ashbyhq.com/iwoca.co.uk/993497d5-877a-47b6-abbf-9779bee76695

## 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.

We’re looking for a FP&A Analyst You’ll translate complex financial data into useful management information and produce annual budgets aiding long-term planning and growth. The team The FP&A team is responsible for driving strategic decision making through forecasting, analysis and reporting on 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 including capital markets and strategy. It's a small team, so you'll have real ownership from early on and direct exposure to senior stakeholders and the Board.

## The role

We're building a fast-paced FP&A function, powered by better data and by making the most of the tools available to us. You'll take real ownership of that: writing the queries, building the datasets and pipelines, and helping shape our forecasting platform, while learning the financial planning side so you understand what the numbers mean, not just where they come from. You won't need a finance qualification or years of FP&A experience to apply. This is a genuine route for a strong analyst who wants to move closer to the commercial heart of the business, and equally suited to someone who already combines technical and commercial finance skills.

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 preparation of monthly Board documentation and interim and year-end Budget documents;
- 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

Data engineering

- Writing SQL to pull, clean and reconcile financial and operational data from across the business, and building the datasets and pipelines that feed our operating model and reporting;
- Finding and fixing weak points in how data reaches us, and moving reporting off manual processes and onto something that runs itself;
- Contributing to the build out of iwoca's forecasting platform, designing features and using AI tools to build, test and speed up your work;
- Integrating with third-party tools e.g. Looker, Snowflake and NetSuite.

The requirements

- Proficient user of Excel and SQL;
- Experience building something end-to-end — a pipeline, a dataset or an automated report;
- Comfortable working with data from multiple sources, and confident tracing it back to source;
- Willingness and curiosity to leverage AI tools, with the judgement to know when the output is wrong;
- Some exposure to management accounts, forecasting or budgeting, or a genuine appetite to learn it properly;
- A growth mindset, happy to own problems and build solutions rather than wait for direction;
- Experience with Python, Snowflake, dbt, BigQuery, Looker, Power BI or Tableau would be desirable;
- A finance qualification such as CIMA, ACA or ACCA, or a background in commercial FP&A, would be desirable but isn't required;
- Experience at a start-up or scale-up, where you had to build things yourself, would be desirable

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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