Backend Engineer - Repeats

Overview

In this role you’ll help shape the repeat loan experience at iwoca by re-architecting the flex-loan offer pipeline. You’ll own backend features end-to-end, from design to production, with opportunities to grow into full-stack work. You’ll work closely with product, design, and data teams to improve underwriting, pricing, and post-loan offers for repeat customers. This role combines strong technical scope with a clear impact on small business access to funds. You’ll operate in a collaborative, data-driven fintech environment that values learning and experimentation.

Pay / Benefits

• Flexible working hours
• Medical insurance from Vitality
• 25 days holiday + birthday leave + sabbatical
• Employee equity incentive
• Company retreats
• Pension contributions 3%

Responsibilities

• Re-architect the flex-loan repeat offer pipeline to determine eligibility, pricing, and loan amount
• Own backend features end-to-end from design through to shipping and monitoring
• Maintain and support core services behind repeat lending (lending_decision app, repeats pricing and offer-amount services, customer account pages)
• Monitor production and troubleshoot issues as they arise
• Collaborate with Product, Design, Data Science and Analytics to ensure technically sound and customer-friendly solutions
• Contribute to frontend work in Pandora (React, TypeScript) over time to enable end-to-end ownership
• Commit to clean, well-tested Python and participate in code reviews

Key requirements

• 1+ years of commercial engineering experience
• Clear written and spoken communication
• Comfortable writing clear, testable Python
• Working knowledge of PostgreSQL
• Interest in picking up frontend (React, TypeScript) over time
• Experience with automated tests and code quality practices
• Familiarity with AI tools in daily workflow (e.g., Cursor, Claude Code)

• Clear written and spoken communication
• Customer-centric mindset
• Curiosity about full stack and willingness to learn new areas
• Python (testable, production-grade)
• Relational databases (PostgreSQL)
• React (TypeScript) – frontend curiosity