Full Stack Engineer

Who you are

• Proven track record designing and building backend systems using Python, with the ability to work across front-end codebases, particularly React or TypeScript, to deliver projects end to end
• You use AI (like Cursor, Claude Code or similar) in your daily flow—whether for work or for fun. You use it to blast through boilerplate and research, so you can focus on the hard parts: complex architecture, rigour, and high-stakes decision-making
• Experience working with relational databases, ideally PostgreSQL or similar, with an understanding of performance and maintainability considerations
• Able to use lateral thinking to anticipate technical challenges and to improve existing systems that support complex workflows
• A track record of taking work from an initial problem through to delivery, including shaping solutions, making trade-offs, and iterating based on how systems are used
• Strong communication skills to be able to explain complex technical topics in simple terms and to articulate and influence decision making within the team
• Knowing how to scale systems: Familiarity with working on internal tools or platforms used by large operational teams
• Framework experience across Python and TypeScript such as Django, FastAPI and React
• Modern deployment experience: Working with CI/CD pipelines or deployment workflows
• A data-driven mindset: Using data or metrics to assess whether changes have had the intended effect

What the job involves

• We’re looking for a Full-stack Engineer to build the systems that power iwoca’s German business
• You’ll join the Operations Engineering team, a cross-functional group that builds the proprietary tools (like our CRM) that our German operations staff use every day
• You’ll own high-impact projects from the ground up, using your technical experience and curious mindset to improve how we serve small businesses while also helping to level up the wider engineering team
• 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
• The Operations Engineering team is a cross-functional group consisting of three full-stack engineers and one product manager
• The team works closely with the Operations, Operations Strategy and Analytics teams to deliver impactful changes across the wider Operations function
• The team builds and maintains the internal systems – including tools for underwriting, notifications, and account management – that power iwoca’s German market. They support more than 70 colleagues across sales, credit, and collections who rely on these tools every day
• As the German business grows, the Operations Engineering team is moving beyond small improvements and into reworking how work is done
• By reducing manual steps and improving how information flows through the company, the team directly influences how quickly other teams can act, how reliably iwoca can support its customers, and where we can most effectively spend human effort
• You’ll work on the systems that internal teams rely on to serve customers. You’ll take an initial problem, engage with stakeholders, and develop solutions through to delivery and see the outcome in daily use
• You’ll design and build full-stack services that support core operational workflows, including customer communication, underwriting, and collections
• Simplify workflows: You’ll decide when and what to automate, translating operational needs into reliable code that reduces manual effort
• Evolve the architecture: You’ll identify ways to modernise our systems, managing trade-offs to keep them dependable as they scale
• Advocate for quality: You’ll be a key part of the team, using code reviews and design sessions to advocate for better engineering practices and staff user experiences
• Expand your scope: You’ll join a growing team that supports individual ownership, offering you opportunities to lead projects end-to-end, developing your commercial judgement

Benefits

• Work where you work best: Twice a year we rent houses in places like Sicily and the French Alps where each team can work together for a week poolside. We champion flexible working in all our teams
• Invest in iwoca: We want people to be invested in iwoca's success so after six months you'll be awarded share options
• Keep yourself healthy: We offer comprehensive health insurance and cash plans. You'll also get gym discounts and we host yoga classes in the office every week
• Start (and end) your day right: Each floor of iwoca HQ has a fully stocked fridge for breakfast and every Friday we unwind with beers and wine
• Life-work balance: We know your life outside of work comes first. We offer enhanced maternity and paternity leave for new parents plus a nursery benefit. We also have unlimited unpaid leave
• Learning and development: Whether you want to learn to code, experiment with motion design, or beat cognitive biases, you'll have time and budget to invest in your professional development