--- title: 'Senior Backend Engineer - Introducer Tech at iwoca' canonical: 'https://feeny.ai/job/senior-backend-engineer-introducer-tech-iwoca-london-p0kjzqk1hm0r' type: 'job' last_seen: '2026-11-01' --- # Senior Backend Engineer - Introducer Tech at iwoca - **Company:** iwoca - **Location:** London, United Kingdom - **Compensation:** £80k–£100k - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-10-29 - **Last confirmed live:** 2026-11-01 - **Apply:** https://jobs.ashbyhq.com/iwoca.co.uk/5d3e7473-39b7-4084-81ab-646e7b792fa4 ## Job description Senior Backend Engineer - Introducer Tech - DE Hybrid in London / Remote within the UK We’re looking for a Senior Backend Engineer You'll own the Lending API in Germany, which banks, fintechs, brokers, and comparison sites build on to offer iwoca's finance to their customers. You'll decide how it evolves and help build the features that make partners choose iwoca. 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 £5 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 Introducer Tech builds the systems that partners in Germany use to refer businesses to iwoca. The aim is to get new partners integrated quickly and to make applying simple for their customers. The team also looks after how partners earn commission. Its work covers three main areas: - The Lending API. Developing the versioned API and the webhooks that keep partners up to date on their customers. - The Introducer Portal. Building the web app that German brokers log in to, to submit applications and upload documents. - The sign-up journey. Improving how businesses apply and how well they convert, after a partner referral. The team is growing to have two product managers, who each focus on either the broker or the partner flow, and three engineers across the backend and frontend, including this hire. The team currently works in sprints, with three stand-ups a week and planning every two weeks. However, there is room to adapt how it works as it grows. ## The role You'll be the senior engineer behind iwoca's broker and partner channels in Germany, from the tools partners integrate with to the internal systems that broker account managers use. Ownership and autonomy - Own the Lending API in Germany end to end, deciding what to build, when to release a new version, when to retire an old one, and what iwoca can promise partners. - Own the developer portal and every tool partners use to integrate, from documentation that their developers and coding agents can build from to self-serve testing that needs no help from iwoca. Impact - Ship the features that make partners choose iwoca, starting with pre-qualification, which shows a customer what they could borrow before they apply. - Make integration quick and simple, so a partner can go live with few questions and little hand-holding. - Automate parts of the broker funnel and the internal CRM that broker account managers use, cutting friction and the lag between a decision and the action that follows, and building agents wherever they help. Growth trajectory - Set the team's technical direction and shape the product and technical roadmap alongside the product manager. - Align designs with the UK engineers who share the API, so German requirements shape the design from the start. - As well as being hands on, you’ll develop your mentoring and coaching skills. You’ll help lead the team as the most senior engineer. You'll work with the commercial colleagues who bring in new partners, and join the team's weekly support rotation. The requirements Essential: - Backend engineering. You've designed and built production backend systems in Python – ideally with Django, though FastAPI or Flask count too. You've used PostgreSQL or another relational database in production, and kept it fast and maintainable. - API design. You've built and evolved APIs that other teams or companies depend on, and made the decisions on structure, versioning, and change. - Ownership. You've taken work from a commercial problem through to production – scoping the solution, making the trade-offs, and iterating based on how people use it. - Mentoring. You've helped other engineers grow through code reviews and design sessions. - AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone. You judge when to use it and when not to. - Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience. Bonus: - Partner onboarding. You've helped external developers integrate with an API – through documentation, test environments, or working with them directly. - Full-stack. You've contributed to frontend codebases, particularly in React or TypeScript. - CI/CD. You've set up or maintained the pipelines that test and release a production service. - Measurement. You've used data, metrics, or A/B tests to check whether a change had the effect you intended. The salary We expect to pay from £80,000 to £100,000 for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. 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 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. 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