# Senior Backend Engineer - Ledger Platform [Iwoca Co Uk](https://gurify.com/jobs?q=Iwoca%20Co%20Uk) · London · Posted 7 weeks ago Hybrid Senior [Backend](https://gurify.com/jobs/backend) [Apply on the original posting → (opens in a new tab)](https://jobs.ashbyhq.com/iwoca.co.uk/dec0dfd3-a6f4-4ee6-83f1-0cce3013bbe0) ## Job description ### SENIOR BACK-END ENGINEER - LEDGER PLATFORM ### Hybrid in London (UK) or Remote within the UK ### WE’RE LOOKING FOR A SENIOR BACK-END ENGINEER 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 find the simple design behind a complicated problem, and structure software so that it is easy to understand, test and evolve. - Be pragmatic about which parts of a problem actually need solving now. The hardest work here is deciding what not to build. - Build solutions that avoid single points of failure, and make sure our releases happen with zero downtime. - Translate ambiguous product requirements into clear, actionable technical plans that guide the team's work. - Promptly investigate and fix live issues, and ensure they do not resurface. Own what you ship in production and keep it reliable and easy to operate. - Contribute high-quality, production-ready code and foster a collaborative environment by reviewing work and writing useful documentation. ### Learning and Growth: - Work with the team to improve our development and agile practices and raise our engineering standards. - Share new approaches and tooling with the wider engineering group through our internal forums and company-wide talks. ### AI: - We're pushing hard on AI-assisted development. Engineers here write clear technical specs, let skills and agents implement boiler-plate, and hold a high bar on code review — the person, not the model, is accountable for what merges. We expect AI output to be validated for correctness, performance and security like any other change. - We give the team unlimited tokens across all models and expect people to experiment. ### The requirements ### Essential: - 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. ### Bonus: - 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). ### The salary 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. ### The culture At iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools – including AI – and apply sound judgement so our products and decisions improve over time. ### 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 community-led groups, including running groups, padel, and monthly ping-pong and pool competitions. ### The benefits - Flexible working hours. - Medical insurance from Vitality, including discounted gym membership. - A choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses. - 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 https://coda.io/@iwocauk/iwoca-benefits-policies-uk - Interview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap **Live in Iwoca Co Uk’s hiring system.** Read from the company's own applicant tracking system, not reposted from a job board — so it's a real, open requisition rather than an ad that outlived the role. We remove it as soon as it disappears at source. ## More jobs like this - IC [Backend Engineer - Acquisition Technology](https://gurify.com/job/backend-engineer-acquisition-technology-at-iwoca-co-uk-e0f3719e0dcc) Iwoca Co Uk · London · 2 days ago - IC [Backend Engineer - Partner Flow](https://gurify.com/job/backend-engineer-partner-flow-at-iwoca-co-uk-f4789339d249) Iwoca Co Uk · London · 2 weeks ago - IC [Backend Engineer - Repeats](https://gurify.com/job/backend-engineer-repeats-at-iwoca-co-uk-37d058ff74a3) Iwoca Co Uk · London · 7 weeks ago - DE [Golang Backend Engineer, Financial Product Fraud](https://gurify.com/job/golang-backend-engineer-financial-product-fraud-at-deliveroo-6f63c1d3a13b) Deliveroo · London, United Kingdom · 3 days ago - CO [Senior Search Backend Engineer](https://gurify.com/job/senior-search-backend-engineer-at-commercetools-6813ee5f31dc) Commercetools · London, England, United Kingdom (Hybrid) · 3 weeks ago - 9F [Senior Backend Engineer](https://gurify.com/job/senior-backend-engineer-at-9fin-4a8ad88447cf) 9FIN · London · 4 days ago ```json {"@context":"https://schema.org/","@type":"JobPosting","title":"Senior Backend Engineer - Ledger Platform","description":"\u003Ch3\u003ESENIOR BACK-END ENGINEER - LEDGER PLATFORM\u003C/h3\u003E\u003Ch3\u003EHybrid in London (UK) or Remote within the UK\u003C/h3\u003E\u003Ch3\u003EWE\u2019RE LOOKING FOR A SENIOR BACK-END ENGINEER\u003C/h3\u003E\u003Cp\u003EThis 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\u0026#39;s ledger \u2014 the system of record for the money we lend and collect \u2014 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\u0026#39;ll design these systems, write the code, and own them in production.\u003C/p\u003E\u003Ch3\u003EThe company\u003C/h3\u003E\u003Cp\u003ESmall businesses move fast. Opportunities often don\u2019t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that\u2019s as flexible and responsive as they are.\u003C/p\u003E\u003Cp\u003EThat\u0026#39;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\u0026#39;s needed.\u003C/p\u003E\u003Cp\u003EWe\u2019ve already cleared the way for 100,000 businesses with more than \u0026#163;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.\u003C/p\u003E\u003Ch3\u003EThe team\u003C/h3\u003E\u003Cp\u003EThe Ledger Platform team owns the ledger across all of iwoca\u0026#39;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.\u003C/p\u003E\u003Ch3\u003EThe role\u003C/h3\u003E\u003Ch3\u003EResponsibility and Autonomy:\u003C/h3\u003E\u003Cul\u003E\u003Cli\u003ELead the delivery of projects involving many stakeholders and systems.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EGo beyond the code to develop deep expertise in our domain \u2014 our core financial products and our stakeholders\u0026#39; needs \u2014 and become a trusted technical advisor to the business.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EPerform detailed technical scoping and prototyping to support feasibility testing and decision making.\u003C/li\u003E\u003C/ul\u003E\u003Ch3\u003EDelivery and Collaboration\u003C/h3\u003E\u003Cul\u003E\u003Cli\u003EArchitect 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.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EUse domain modelling to find the simple design behind a complicated problem, and structure software so that it is easy to understand, test and evolve.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EBe pragmatic about which parts of a problem actually need solving now. The hardest work here is deciding what not to build.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EBuild solutions that avoid single points of failure, and make sure our releases happen with zero downtime.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003ETranslate ambiguous product requirements into clear, actionable technical plans that guide the team\u0026#39;s work.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EPromptly investigate and fix live issues, and ensure they do not resurface. Own what you ship in production and keep it reliable and easy to operate.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EContribute high-quality, production-ready code and foster a collaborative environment by reviewing work and writing useful documentation.\u003C/li\u003E\u003C/ul\u003E\u003Ch3\u003ELearning and Growth:\u003C/h3\u003E\u003Cul\u003E\u003Cli\u003EWork with the team to improve our development and agile practices and raise our engineering standards.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EShare new approaches and tooling with the wider engineering group through our internal forums and company-wide talks.\u003C/li\u003E\u003C/ul\u003E\u003Ch3\u003EAI:\u003C/h3\u003E\u003Cul\u003E\u003Cli\u003EWe\u0026#39;re pushing hard on AI-assisted development. Engineers here write clear technical specs, let skills and agents implement boiler-plate, and hold a high bar on code review \u2014 the person, not the model, is accountable for what merges. We expect AI output to be validated for correctness, performance and security like any other change.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EWe give the team unlimited tokens across all models and expect people to experiment.\u003C/li\u003E\u003C/ul\u003E\u003Ch3\u003EThe requirements\u003C/h3\u003E\u003Ch3\u003EEssential:\u003C/h3\u003E\u003Cul\u003E\u003Cli\u003EExtensive back-end engineering experience.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EExperience building and running microservices and distributed systems in production. Comfortable reasoning about durable cross-service communication, transactional correctness, and failure modes at scale.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EExtensive experience with relational databases, ideally PostgreSQL, but open to MySQL or similar (e.g., MS SQL, Oracle); emphasis is on data integrity.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EExperience with systems where correctness is a hard requirement \u2014 ledgers, accounting, billing or payments, ideally in a regulated setting \u2014 including the invariants, immutable audit trails and reconciliation controls that enforce it.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EExperience leading a feature or project end to end \u2014 scoping, design, delivery, and running it in production.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EYou 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.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EA strong technical or mathematical foundation, evidenced by a degree in a quantitative field (Computer Science, Engineering, Physics, Maths or similar) or equivalent professional experience.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EYou work well as a peer: pairing on hard problems, giving useful code review, and unblocking teammates day-to-day.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EClear written and verbal communication \u2014 you can explain a technical trade-off to Finance, and a business constraint back to engineers.\u003C/li\u003E\u003C/ul\u003E\u003Ch3\u003EBonus:\u003C/h3\u003E\u003Cul\u003E\u003Cli\u003EA background in high-logic or high-scale fields like Fintech, Gaming, Healthcare Tech, Logistics, Security/Cryptography or similar.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EWorking knowledge of modern data tooling - ideally Snowflake and dbt - used to build analytical or reporting pipelines.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EKnowledge of messaging frameworks and event-driven patterns (e.g. Kafka).\u003C/li\u003E\u003C/ul\u003E\u003Ch3\u003EThe salary\u003C/h3\u003E\u003Cp\u003EWe expect to pay from \u0026#163;80,000 to \u0026#163;110,000 for this role. But, we\u2019re 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.\u003C/p\u003E\u003Ch3\u003EThe culture\u003C/h3\u003E\u003Cp\u003EAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the development of our team members. We value thought and skill diversity, and encourage people to explore new areas of interest, adopt better tools \u2013 including AI \u2013 and apply sound judgement so our products and decisions improve over time.\u003C/p\u003E\u003Ch3\u003EThe offices\u003C/h3\u003E\u003Cp\u003EWe put a lot of effort into making iwoca a great place to work:\u003C/p\u003E\u003Cul\u003E\u003Cli\u003EOffices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EEvents and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.\u003C/li\u003E\u003C/ul\u003E\u003Ch3\u003EThe benefits\u003C/h3\u003E\u003Cul\u003E\u003Cli\u003EFlexible working hours.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EMedical insurance from Vitality, including discounted gym membership.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EA choice between a dedicated dental plan or a health cash plan that reimburses everyday medical expenses.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EA private GP service (separate from Vitality) for you, your partner, and your dependents.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003E25 days\u2019 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.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EA one-month, fully paid sabbatical after four years.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EInstant access to external counselling and therapy sessions for team members that need emotional or mental health support.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003E3% Pension contributions on total earnings.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EAn employee equity incentive scheme.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EGenerous parental leave and a nursery tax benefit scheme to help you save money.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EElectric car scheme and cycle to work scheme.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003ETwo company retreats a year: we\u2019ve been to France, Italy, Spain, and further afield.\u003C/li\u003E\u003C/ul\u003E\u003Cp\u003EAnd to make sure we all keep learning, we offer:\u003C/p\u003E\u003Cul\u003E\u003Cli\u003EA learning and development budget for everyone.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003ECompany-wide talks with internal and external speakers.\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EAccess to learning platforms like Treehouse.\u003C/li\u003E\u003C/ul\u003E\u003Ch3\u003EUseful links:\u003C/h3\u003E\u003Cul\u003E\u003Cli\u003Eiwoca benefits \u0026amp; policies https://coda.io/@iwocauk/iwoca-benefits-policies-uk\u003C/li\u003E\u003C/ul\u003E\u003Cul\u003E\u003Cli\u003EInterview welcome pack https://coda.io/@iwocauk/interview-welcome-pack-tap\u003C/li\u003E\u003C/ul\u003E","identifier":{"@type":"PropertyValue","name":"Gurify","value":"senior-backend-engineer-ledger-platform-at-iwoca-co-uk-6d045ea9cb5f"},"url":"https://gurify.com/job/senior-backend-engineer-ledger-platform-at-iwoca-co-uk-6d045ea9cb5f","datePosted":"2026-08-13","validThrough":"2026-11-16T23:59:59Z","hiringOrganization":{"@type":"Organization","name":"Iwoca Co Uk","sameAs":"https://jobs.ashbyhq.com/iwoca.co.uk"},"directApply":false,"jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressCountry":"GB","addressLocality":"London"}}} ``` ```json {"@context":"https://schema.org/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jobs","item":"https://gurify.com/jobs"},{"@type":"ListItem","position":2,"name":"United Kingdom","item":"https://gurify.com/jobs/united-kingdom"},{"@type":"ListItem","position":3,"name":"Senior Backend Engineer - Ledger Platform","item":"https://gurify.com/job/senior-backend-engineer-ledger-platform-at-iwoca-co-uk-6d045ea9cb5f"}]} ```