Senior Back-End Engineer - Ledger Platform
Role Summary
Join iwoca as a Senior Back-End Engineer in London or remotely within the UK, tackling complex challenges in fintech with a focus on their ledger platform.
About the Organisation
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.
Minimum Requirements
- Extensive back-end engineering experience.
- Experience building and running microservices and distributed systems in production. Comfortable reasoning about durable cross-service communication, transactional correctness, and failure modes at scale.
- Extensive experience with relational databases, ideally PostgreSQL, but open to MySQL or similar (e.g., MS SQL, Oracle); emphasis is on data integrity.
- Experience with systems where correctness is a hard requirement — ledgers, accounting, billing or payments, ideally in a regulated setting — including the invariants, immutable audit trails and reconciliation controls that enforce it.
- Experience leading a feature or project end to end — scoping, design, delivery, and running it in production.
- 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.
- A strong technical or mathematical foundation, evidenced by a degree in a quantitative field (Computer Science, Engineering, Physics, Maths or similar) or equivalent professional experience.
- You work well as a peer: pairing on hard problems, giving useful code review, and unblocking teammates day-to-day.
- Clear written and verbal communication — you can explain a technical trade-off to Finance, and a business constraint back to engineers.
- A background in high-logic or high-scale fields like Fintech, Gaming, Healthcare Tech, Logistics, Security/Cryptography or similar.
- Working knowledge of modern data tooling - ideally Snowflake and dbt - used to build analytical or reporting pipelines.
- Knowledge of messaging frameworks and event-driven patterns (e.g. Kafka).
Working Conditions
We expect to pay from £80,000 to £110,000 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.
And to make sure we all keep learning, we offer:
- 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.
- A learning and development budget for everyone.
- Company-wide talks with internal and external speakers.
- Access to learning platforms like Treehouse.
Eligibility Criteria
Eligibility details are not stated, further verification may be needed.
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