Tech Lead - Repeats Team

Hybrid in London or Remote within the UK

The company

Small businesses move fast. Opportunities often dont wait and cash flow pressures can appear overnight. To keep going and growing SMEs need finance thats as flexible and responsive as they are.

Thats 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 its needed.

Weve already cleared the way for 100000 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 team

The Repeats team manages the lending strategy and digital user experience of our recurring customers. They own all the product decisions that occur after a customer has taken their first funding. This includes the user journey for repeat customers the eligibility and document requirements for repeat applications the offer terms (such as offered amount or pricing) among other things. The team continuously experiments with new product ideas and ensures these are delivered through an intuitive high-performing digital experience. It has all the skills it needs to deliver this including engineering product data and design working together to align the strategy with customers needs and business goals.

The role

As the Tech Lead in the Repeats team you will guide both the technical architecture and the engineers responsible for its delivery. You will lead the design and development of systems that intelligently route existing customers to the most appropriate credit assessment process and the most appropriate offer terms based on their unique profile and needs. This means moving beyond static rules to build scalable adaptive systems that integrate real-time data and business logic. This is a hands-on leadership role from ideas to delivery with a focus on the long term where you will manage the teams engineers own the technical roadmap and actively contribute to the codebase.

Architectural ownership and impact:

• Own the technical road map for the Repeats team re-architecting the teams code to meet ambitious and dynamic challenges. This includes supporting a transition from rules-based to models-driven strategies.

• Lead the evolution of our system architecture to optimise customer journeys and enhance decision-making and offer generation processes.

• Collaborate with Tech Leads in other teams to design and deliver a coherent system with support from org-wide teams like a DevOps team.

Hands-on delivery and project leadership:

• Be an active hands-on contributor to the codebase leading by example in quality testing and performance.

• Drive the technical strategy and execution for the Repeats teams projects translating product goals into well-architected production-ready code.

• Proactively identify and resolve technical debt and production issues ensuring the long-term health and stability of the systems you own.

Team leadership and management:

• You will be the direct line manager for three engineers responsible for their performance coaching and career development.

• You will define and champion engineering best practices and standards both within your team and as a senior leader in the wider engineering group.

The requirements

Essential:

• Expertise in systems architecture including designing and managing complex domain models.

• Advanced proficiency in software development using an object-oriented language.

• Experience delivering and operating live customer-facing systems in a production environment.

• Experience leading a team of engineers including line management. Excel at balancing hands-on coding and project delivery with strategic planning while developing the engineers you manage.

• Product-focused mindset with experience working with stakeholders such as Product and Strategy to turn unclear business problems into clear actionable technical solutions.

• Pragmatism in making high-stakes technical decisions weighing trade-offs and explaining the impact on customers timelines and business goals.

• Clear concise written and verbal communication prioritising the most relevant information and focusing on outcomes and impact.

Bonus:

• Experience with Python Django or PostgreSQL.

• Familiarity with data analytics or machine learning processes.

• Experience with complex data architectures including event-sourced data models.

• Numerical or technical background ideally with a degree in maths physics computer science engineering or a related field.

• Front-end development experience.

The salary

We expect to pay from 100000 - 160000 for this role. But were 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 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: weve 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

Required Experience:

Staff IC