Senior Backend Engineer - Ledger Platform

Hybrid in London (UK) or Remote within the UK

This role is a chance to tackle complex, high-impact challenges at the heart of our fintech platform. You will join the team that owns iwoca's ledger — the system of record for the money we lend and collect — and you will be responsible for scaling it across the full lifecycle of our credit card and lending products, building the reconciliation and reporting that prove it correct, and laying the foundations for our next generation of products. This is a hands-on role: you'll design these systems, write the code, and own them in production.

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 Ledger Platform team owns the ledger across all of iwoca's products, from credit cards to our lending range, plus everything around it: reconciliation, financial reporting, and the data Finance, Accounting and Capital Markets run on. We work closely with a Product Manager, shipping frequently and owning our systems in production. Some of the team work fully remotely and others are hybrid, working 1-3 days per week in the London office.

The role

Responsibility and Autonomy:

• Lead the delivery of projects involving many stakeholders and systems.

• Go beyond the code to develop deep expertise in our domain — our core financial products and our stakeholders' needs — and become a trusted technical advisor to the business.

• Perform detailed technical scoping and prototyping to support feasibility testing and decision making.

Delivery and Collaboration

• Architect and implement scalable solutions for complex challenges: the lifecycle of an account, interest and repayment allocation, reconciliation, and how financial data reaches our reporting stack.

• Use domain modelling to