Php Developer jobs in United Kingdom

Hybrid in London, United Kingdom

We’re looking for a full stack developer to join the Credit Compass team

We’re looking for a frontend-focused Full Stack Engineer to design and build the intuitive, high-performing experiences and services that power Credit Compass, helping small businesses understand, monitor and improve their credit health.

The company

Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses.

Our impact speaks for itself: we've provided billions in funding to more than 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve.

We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need – often within minutes.

The team

The Credit Compass team is responsible for helping small businesses understand, monitor, and improve their credit health by turning complex financial data into clear, actionable insights. The team owns the product end-to-end, from integrating data sources and shaping scoring logic through to designing the dashboards, journeys, and nudges that keep customers coming back. It is a cross‑functional team of front‑end and back‑end engineers, product, design, and analytics, working closely together to run experiments, ship iteratively, and collaborate with other iwoca teams to share data and infrastructure.

The role

As a full stack engineer in the Credit Compass retention squad, you’ll help turn complex financial data into clear, trustworthy experiences that small business owners want to come back to every month. You’ll work across the stack with a particular focus on our dashboards and journeys, shaping how customers monitor their business health, understand their credit position, and decide what to do next.

Impact on customers

• Build and ship user‑facing features on our roadmap – such as Monitoring, Cashflow Analysis and Spend Benchmarking – that make Credit Compass a habit, not a one‑off tool.

• Turn raw Open Banking, credit bureau and internal data into clear, accurate visualisations, explanations and nudges that help customers take confident next steps and stay engaged with iwoca.

Ownership and delivery

• Own features end‑to‑end: from scoping and technical design through to implementation, rollout, and iteration based on what we learn. Maintain and improve the core systems behind Credit Compass, ensuring dashboards, scores and data integrations stay fast, reliable and easy to extend as the product and Retention team grow.

• Monitor and debug production issues, quickly identifying and fixing problems to protect user trust and product performance.

Collaboration and experimentation

• Partner closely with Product, Design and Data to shape solutions that balance impact, effort and scalability, using experiments and metrics to guide decisions about customer retention.

• Contribute to squad rituals – from planning and estimation to retros – sharing context, surfacing risks and helping the team adapt as priorities evolve (for example, moving from core retention work into early monetisation experiments).

Craft and tooling

• Write clean, well‑tested code in Python/Django and TypeScript/React, and take part in code reviews to keep quality high across the codebase.

• Improve internal tools and CRM integrations that help us respond to user behaviour more quickly and reduce manual work for the wider team.

The requirements

• Significant experience as a software engineer working across the stack, with strong front‑end skills in React/TypeScript.

• Experience building and maintaining back‑end services in Python, ideally with Django, including designing and consuming API endpoints.

• Confidence working with data‑rich products – for example, querying relational databases and integrating third‑party APIs.

• Strong communication skills, with the ability to translate business and customer needs into clear, effective technical solutions.

• A product mindset: you care about outcomes over outputs, are comfortable working with experiments and metrics, and enjoy collaborating closely with Product, Design and Data.

Bonus:

• Experience building dashboards, analytics tools, or other products that help users understand and act on data.

• Familiarity with integrating complex external services (e.g. Open Banking, credit bureaus).

• 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 £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 thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and 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 clubs, like bingo, comedy nights, football, etc.

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: 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