Senior Data Scientist – Offers Team | Iwoca Ltd

Iwoca Ltd

Job Title: Senior Data Scientist – Offers Team
Employer: Iwoca Ltd
Location: London, United Kingdom
Employment Type: Permanent
Reference Number: 10826_d7d1bad97901461edf1f143e370b9d77


Job Details:

We’re looking for a Senior Data Scientist – Offers Team

Someone who loves to code and get their hands dirty with raw data. It doesn’t really matter whether people call you an Engineer, Physicist or Mathematician, what matters to us is that you are a curious and continuous learner with a hunger to achieve the very best in what you do.

About us

Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities – making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes.

We’ve already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service.

Our culture

We’re expanding fast across our offices in London, Leeds and Frankfurt. With all this growth, we’re looking for people who want to learn on the job and lead projects, knowing that your ideas will impact thousands of small businesses.

Your mission

Our Data Scientists develop cutting edge algorithms using statistical modelling and machine learning techniques. Using Python (Pandas, NumPy, and Scikit-learn) they work in a fast-paced, collaborative and dynamic environment to produce data driven solutions, which will have significant business impact.

Our Offers team is responsible for optimising the types of loan offers we make to customers, whilst providing a seamless UX for customers to view and accept their offer. As a Senior Data Scientist joining the Offers team, your primary focus is to figure out the offer terms (e.g. pricing, amounts) we should be making to customers, to maximise offer take-up and value to iwoca. You will look at observational data, identify hypotheses for possible unknown relationships, figure out the commercial relevance of these hypotheses, and design and implement tests to test these.


We look for people who are smart, humble, motivated and who are always looking to improve.

Ideally you’ll have:

  • Strong numerate background, e.g. in Engineering, Mathematics, Physics, or similar.

  • Must have a background in Probability & Statistics.

  • Programming experience: Python, Java, C/C++ or similar.

  • Experience with Pandas, NumPy, SciPy, R, Matlab, and/or SQL

  • Ability to dive deep into the business context and translate data into actionable insights

  • Self-starter with ability to work autonomously in an unstructured environment.

  • Demonstrable experience using machine learning techniques.

  • Experience with Bayesian analysis preferred.

  • Knowledge of computer-science fundamentals.

We expect to pay from £70,000 to £100,000 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 regularly remunerate staff for their increasing value to our business.

At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. You’ll have access to ample opportunities for skill-building, mentorship, and career progression, and can decide your career path, focusing on frontend, branching into full-stack, or developing your skills in project and people leadership. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services.

Our friendly and inclusive environment, combined with our flexible work policies, ensures that you’ll have the perfect balance between work and life, empowering you to thrive both personally and professionally.

Our benefits

We put a lot of effort into making iwoca a brilliant place to work:

  • Offices in London, Leeds and Frankfurt.

  • Events and clubs, like bingo, comedy nights, yoga classes, football

  • Two company retreats a year, we’ve been to France, Italy, Spain and further afield

  • Plenty of drinks and snacks in our offices

We offer a wide range of benefits:

  • Medical insurance from Vitality, including discounted gym membership

  • 25 days’ holiday, an extra day off for your birthday and the option to buy or sell an additional 5 days of annual leave

  • Instant access to emotional and mental health support with our partner, Spill

  • Share options

  • Generous maternity and paternity leave

  • A nursery tax benefit scheme to help you save money

  • Paid volunteering day to support your chosen charity

  • Extra leave if you want to travel or study

  • One-month fully paid sabbatical after 4 years

  • Cycle-to-work scheme

  • Electric car scheme

And to make sure we all keep learning, we offer:

  • An L&D budget for everyone, including a book budget

  • Company-wide talks with internal and external speakers

  • Access to learning platforms like Treehouse if you want to learn to code

For more information:

  • iwoca benefits & policies:

  • Interview welcome pack:



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