Back End Engineer - iwocaPay

Join to apply for the Back End Engineer - iwocaPay role at iwoca Deutschland
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Hybrid working in London, UK (At least one day in office per week).

We’re looking for a Back End Engineer to join our iwoca

Pay team.

iwoca

Pay provides trade credit and Buy‑Now‑Pay‑Later (BNPL) solutions to businesses. The team works with hundreds of sellers to help thousands of buyers manage their cash flow, increase their purchasing power and operate with flexibility.

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 iwoca

Pay team runs like an independent start‑up within iwoca. We build trade credit and Buy‑Now‑Pay‑Later (BNPL) solutions for businesses. Our product helps thousands of buyers manage their cash flow and purchasing power, while supporting hundreds of sellers to offer flexible payment options.

We’re growing fast, now over 30 people strong, with seven engineers, two product managers, one designer, and a full set of operational roles. We’re committed to doing good work and moving quickly, iterating frequently to ship features that matter. We run daily stand‑ups and regular off‑sites to stay connected. We also work closely with other iwoca teams, sharing code and benefiting from shared resources, such as our dedicated Dev Ops team.

As a Back End engineer in the iwoca

Pay team, you’ll build APIs and ecommerce plugins that help suppliers get paid fast. You’ll shape the end‑to‑end experience for buyers and suppliers, using data to guide improvements and measure impact. You’ll work closely with product, design, operations, and other teams to deliver high‑quality, user‑focused features.

• Improving checkout conversion:
  We're testing different UX approaches and payment options to reduce friction at checkout and increase conversion for sellers using iwoca
  
  Pay. This includes experimenting with offer layouts, messaging, and eligibility visibility.
• Smarter credit decisions:
  We’re enhancing our decision engine to offer more accurate and instant credit decisions for buyers, based on real‑time data. This includes refining our models to support higher‑value transactions and broader customer segments.
• Ecommerce integrations:
  We’re expanding and improving our plugins for major ecommerce platforms, making them easier for suppliers to install and use. The goal is to simplify onboarding while supporting more use cases out of the box.
• Seamless use of other iwoca products:
  We’re making it easier for our customers to access all of iwoca’s products. The goal is to create a seamless journey for customers, allowing them to effortlessly move between iwoca
  
  Pay and other solutions like a Flexi‑Loan or a credit card.

• Significant back end engineering experience, ideally using Python
• Experience designing, building, and maintaining API endpoints
• Experience with Postgre
  
  SQL and/or other relational databases
• Strong communication skills, with the ability to translate business needs into clear, effective technical solutions

• Confidence in working across the full stack, including front‑end development in React/Type Script, with a desire to learn new technologies
• Familiarity with PHP, particularly for contributing to ecommerce plugins
• Understanding of Dev Ops practices, including containerisation and CI/CD
• A strong numerical or technical background, with a degree in maths, physics, computer science, engineering, or relevant industry experience

We expect to pay from £55,000–£70,000…