Back End Engineer - Offers

Methodfi; Greater London; Hybrid; GBP 65,000 - 80,000; Full time

Job summary

A tech-driven finance company is looking for a Back End Engineer to join their Offers Team in London. The successful candidate will help optimize loan offer systems, develop user interfaces, and maintain APIs while working primarily in Python. You will contribute to a dynamic team of professionals dedicated to improving the customer experience. The role offers a competitive salary between £65,000 and £80,000, along with robust benefits including flexible working, health insurance, and professional growth opportunities.

Benefits

Flexible working

Medical insurance from Vitality

Private GP service

25 days holiday plus extra for birthday

Generous parental leave

Cycle-to-work scheme

Qualifications

• Proficiency in Python with a strong background in back-end engineering.
• Experience designing, building, and managing relational databases.
• Experience designing, building, and maintaining API endpoints.
• Confidence working across the full stack, including front-end development.
• Strong communication skills to translate business needs into effective technical solutions.

Responsibilities

• Collaborate to reduce optimization model runtimes.
• Evolve and consolidate existing offer generation services.
• Develop and maintain interfaces for customer loan interactions.
• Build and enhance data models and pipelines.

Skills

Proficiency in Python

Strong communication skills

Experience with API endpoints

Knowledge of relational databases

Front-end development in React/TypeScript

Education

Degree in maths, physics, computer science, engineering

Tools

Django

PostgreSQL

Figma

Job description

Back End Engineer - Offers Team

Hybrid in London, UK

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

We’d like you to be a part of the technical evolution of iwoca’s offer-generation systems in a role that is critical in allowing us to bring a great product offering and experience to hundreds of thousands of businesses. You’d be helping design and build a set of orchestrated services that will help us as we scale.

The company

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 team

The Offers team own and optimise the systems that generate loan offers for new customers — including pricing, credit limits, and other offer terms — and choose which offers to present to the customer.

You’d join a build team of six people consisting of data scientists, strategy analysts and software engineers, all aiming to improve our area of the funnel. We primarily work a hybrid in London, with regular knowledge sharing sessions amongst the team to promote curiosity and learning.

The role

As a back end engineer in the Offers team, you’ll work closely with our tech and product strategy lead to provide critical input related to our technical needs and solutions. While there is some front-end work to be done, the majority of your work will be back-end.

Projects

• Optimise and deploy live decision models: Collaborate with data scientists to reduce the runtime of optimisation models, ensuring timely decisions and low-load times for customers. This involves deep dives into performance bottlenecks and implementing efficient solutions.
• Redesign offer generation architecture: Evolve and consolidate our offer generation services, leveraging your expertise to refactor and simplify the existing architecture. This investment will enhance scalability and maintainability, reflecting iwoca's growth and modern approach to business loans.
• Implement new customer offer display interfaces: Develop and maintain user interfaces that allow customers to interact with and customise their loan offers. This includes building and integrating features and tools that maximise the utility of our products.
• Develop robust analytics infrastructure: Build and enhance data models and pipelines to ensure accurate and timely data collections. This will involve designing and implementing data solutions that empower the strategy and analytics team to conduct split tests and make data-driven decisions.

The requirements

Essential:

• Proficiency in Python with a strong background in back-end engineering.
• Experience designing, building, and managing relational databases
• Experience designing, building, and maintaining API endpoints.
• Confidence working across the full stack, including front-end development in React/TypeScript, with a desire to learn new technologies
• Strong communication skills, with the ability to translate business needs into clear, effective technical solutions

Bonus:

• Experience with Django and PostgreSQL
• Experience with design software, such as Figma
• Understanding of DevOps 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

The salary

We expect to pay from £65,000 - £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 salary and performance 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, Berlin, and Frankfurt with plenty of drinks and snacks.
• Events and clubs, like bingo, comedy nights, yoga classes, football, etc.

The benefits

• Flexible working.
• 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, 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 emotional and mental health support.
• 3% Pension contributions and share options.
• Generous parental leave and a nursery tax benefit scheme to help you save money.
• Cycle-to-work scheme and electric car scheme.
• Two company retreats a year, we’ve been to France, Italy, Spain, and further afield.

Learning and development

• 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