2 days ago
London, United KingdomSenior
Responsibilities
- Own payment platform services and projects end to end, including architecture, service boundaries, authorisation, rewards, and transaction monitoring.
- Build and extend real-time payment authorisation services that apply account, merchant category code, and spending-limit checks and place holds on available credit.
- Build transaction-monitoring services for fraud and financial-crime risk and rewards services for cashback payouts.
- Design sandbox tests covering edge cases and failures across the card transaction lifecycle.
- Lead the ledger cutover and production launch while minimising downtime and resolving production issues.
- Collaborate with the principal engineer, product manager, ledger team, customer product teams, and fraud team.
Requirements
- Production experience designing and running highly available, low-latency payment systems, ideally on the issuing side.
- Experience with card authorisation and clearing, tracing transactions from terminals through acquirers and card schemes to issuers, and diagnosing declines using response codes.
- Deep expertise in at least one object-oriented programming language and experience writing and operating backend services in it.
- Experience building distributed systems with microservices, APIs, asynchronous queues or topics, and database schemas, ideally using PostgreSQL.
- Experience building agentic workflows or using AI to substantially increase engineering output, with the judgment to validate AI-generated work before production.
- Clear, direct, concise written and verbal communication and the ability to adapt technical detail to the audience.
- Preferred experience with ledgers, reconciliation, clearing systems, automated payment-system testing, test-first development, and Python in production.
Benefits
- Hybrid working in London with flexible working hours and offices in London, Leeds, Berlin, and Frankfurt.
- Medical insurance through Vitality, including discounted gym membership, plus private GP access for the employee, partner, and dependents.
- 25 days of annual leave, a birthday day off, the option to buy or sell five additional days, and unlimited unpaid leave.
- A fully paid one-month sabbatical after four years, counselling and therapy access, and generous parental leave.
- 3% pension contributions on total earnings and an employee equity incentive scheme.
- Electric car and cycle-to-work schemes, two company retreats per year, and office drinks, snacks, and community events.
- Learning and development budget, company-wide talks, and access to learning platforms such as Treehouse.
Tech Stack
Categories
About iwoca
iwoca provides working capital loans, credit lines and B2B payment options to small businesses in the UK, delivered online and via partner integrations. It earns interest and fees on lending and also offers an API for embedded finance. Founded in 2012 and headquartered in London’s West End, the privately held company says it has provided funding to over 100,000 businesses.