Back-End Engineer - Credit Risk Analytics Team

Back-End Engineer - Credit Risk Analytics (LoL)

Hybrid in London / Remote within the UK

The company

Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We’ve already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. 

Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service.

The role

We are looking for a Back-End Engineer who is enthusiastic about creating remarkable back-end infrastructure, motivated to join a vibrant team, and thrilled to be transforming the landscape of small business financing at iwoca. The role will require you to:

• Design and create web-based microservices that contain business-critical functionality.

• They will need to integrate with existing lending processes using RESTful API calls. You will maintain business continuity by deploying incremental changes with continuous testing and monitoring.

• Collaborate with Credit Analysts to enhance their work by defining new features and capturing new data to make better lending decisions.

• Improve the internal business logic that underpins iwoca's automated lending flow. For example, you’ll work on the logic that implements automated checks and routes applications to different logical subsystems. 

The team

The Credit Risk Analytics team is a versatile team of developers, analysts, and credit risk managers. Their objective is to maximise iwoca’s ability to create value without taking too much credit risk. They hold daily standup meetings to share progress updates and help each other to solve problems. The environment is dynamic and autonomous, with a focus on ‘getting things done’ and delivering high quality solutions. 

You’ll work closely with stakeholders, delivering solutions in an iterative way, collecting and addressing feedback, and also providing support.

The requirements

Essential:

• Proficiency in Python 3, with a strong background in back-end engineering.

• Experience with the Django web framework and Object Relational Mapping (ORM) with a PostgreSQL database back end.

• Experience in creating and integrating web services using REST API’s.

Bonus:

• Familiarity with DevOps practices, including containerisation and CI/CD processes

• Experience working with predictive models using pandas dataframes.

• A strong numerate background, i.e. maths, physics, computer science, engineering, or similar.

The salary

We expect to pay from £60,000 - £80,000 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, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.

The offices

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

• Offices in London, Leeds, and Frankfurt with plenty of drinks and snacks

• Events and clubs, like bingo, comedy nights, yoga classes, football, etc.

The benefits

• Medical insurance from Vitality, including discounted gym membership.

• A private GP service for you, your partner, and your dependents.

• 25 days’ holiday, an extra day off for your birthday, the option to buy or sell an additional 5 days of annual leave, unlimited unpaid leave, and one-month fully paid sabbatical after 4 years.

• Instant access to emotional and mental health support with our partner, Spill.

• Pension and share options.

• Generous parental leave and a nursery tax benefit scheme to help you save money.

• Paid volunteering day to support your chosen charity.

• Cycle-to-work scheme and electric car 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

• Interview welcome pack