Tech Lead

Tech Lead - Repeats Team Hybrid in London or Remote within the UK 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 Repeats team manages the lending strategy and digital user experience of our recurring customers. They own all the product decisions that occur after a customer has taken their first funding. This includes the user journey for repeat customers, the eligibility, and document requirements for repeat applications, the offer terms (such as offered amount or pricing), among other things. The team continuously experiments with new product ideas and ensures these are delivered through an intuitive, high-performing digital experience. It has all the skills it needs to deliver this, including engineering, product, data, and design working together to align the strategy with customers needs and business goals. The role As the Tech Lead in the Repeats team, you will guide both the technical architecture and the engineers responsible for its delivery. You will lead the design and development of systems that intelligently route existing customers to the most appropriate credit assessment process and the most appropriate offer terms, based on their unique profile and needs. This means moving beyond static rules to build scalable, adaptive systems that integrate real-time data and business logic. This is a hands-on leadership role, from ideas to delivery with a focus on the long term, where you will manage the team's engineers, own the technical roadmap, and actively contribute to the codebase. Architectural ownership and impact: * Own the technical road map for the Repeats team, re-architecting the team’s code to meet ambitious and dynamic challenges. This includes supporting a transition from rules-based to models-driven strategies. * Lead the evolution of our system architecture to optimise customer journeys and enhance decision-making and offer generation processes. * Collaborate with Tech Lead's in other teams to design and deliver a coherent system, with support from org-wide teams like a DevOps team. Hands-on delivery and project leadership: * Be an active, hands-on contributor to the codebase, leading by example in quality, testing, and performance. * Drive the technical strategy and execution for the Repeats team’s projects, translating product goals into well-architected, production-ready code. * Proactively identify and resolve technical debt and production issues, ensuring the long-term health and stability of the systems you own. Team leadership and management: * You will be the direct line manager for three engineers, responsible for their performance, coaching, and career development. * You will define and champion engineering best practices and standards, both within your team and as a senior leader in the wider engineering group.