Data Scientist - Partner Flow Team

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 Acquisition Strategy and Tech team is the integrated growth engine for iwoca in Germany. We bridge the gap between high-level commercial strategy and the technical systems that power our customer journey. By combining growth analytics, performance modeling, and full-stack engineering, we own the end-to-end acquisition funnel – from the very first touchpoint to a completed loan application. Our Core Focus: Strategic Growth & Analytics: We serve as the central hub for our Direct Marketing and Sales channels. We translate complex data into actionable strategies, ensuring our outreach is both scalable and profitably managed. Technical Infrastructure: We build and maintain the proprietary systems and models that drive our German operations. This includes optimizing the "User Experience" (UX) to ensure a frictionless onboarding process for small businesses. Operational Excellence: We connect the dots between data-driven decision-making and real-world commercial impact. Our mission is to ensure every potential customer receives a clear, relevant, and rapid understanding of how iwoca can fund their business. We are a fast-moving, cross-functional unit designed to turn strategic hypotheses into measurable results. Whether it’s refining a marketing model or shipping a new feature in the application journey, we ensure that iwoca’s expansion in the German market is backed by robust tech and a clear commercial North Star. The role This role sits at the intersection of commercial strategy, data, and technology. Reporting into the Head of Direct Acquisition, you will lead a high-performing, interdisciplinary team of three and own acquisition and activation outcomes for the German market. Your primary objective is to co-define the growth strategy and partner closely with engineering and data teams to build the systems, onboarding journeys, and experiments that bring that strategy to life. The scope of this role is broad and we're not looking for someone with deep expertise in every domain the team covers – spanning strategy, analytics, product development, and data science – but rather someone intellectually curious, and skilled at asking the right questions. You'll define hypotheses, lead cross-functional initiatives, and own the roadmap for how iwoca engages with German businesses. You will be accountable for measurable impact on acquisition and conversion, bringing ideas to life through rigorous commercial insight, strong customer empathy, and practical delivery. As a Lead, you will also be responsible for coaching your team and establishing the operating rhythm for this new unit. Market and problem understanding * Deeply understand the German SME lending landscape, customer needs, and competitive context to sharpen our go-to-market strategy. * Translate market and customer insight into clearly defined product problems and prioritised commercial opportunities. * Inform targeting and segmentation strategies to help Marketing and Sales reach the right customers. Product build and optimisation * Own the roadmap for acquisition and onboarding, working with engineers and data scientists to develop tools such as lead scoring systems, eligibility checkers, and onboarding journeys. * Work with marketing and sales to evolve website content, sign-up flows, and decisioning logic to increase conversion. * Influence future team capability by helping define priorities, roles, and processes as we scale. Experimentation and insight * Design, run, and interpret A/B tests across messaging, targeting, onboarding tools, and product flows. * Identify opportunities using first-principle reasoning supported by data, customer research, and funnel analysis. Cross-functional collaboration * Manage, coach, and develop a team of at the beginning two commercial strategy analysts and a data scientist focused on acquisition strategy and operational excellence. * Lead cross-functional initiatives, aligning engineering, data, marketing, and commercial stakeholders around clear goals, hypotheses, and success metrics. * Translate high-level business goals into testable hypotheses and actionable briefs for our technical teams. * Help establish the operating rhythm, rituals, and roadmap processes for this new team. The requirements Essential: * Strong commercial mindset with proven experience driving go-to-market strategy and measurable acquisition growth. * Experience in growth strategy, revenue operations, or a highly analytical commercial role with a track record of driving tech-enabled or product-led growth. * Proven people management or team leadership experience, with the ability to build culture and establish operating rhythms in a newly formed team. * Fluency in German and strong written communication skills tailored to customer-facing environments. * Strong analytical capability and experience with experimentation frameworks and A/B testing tools. * Experience working with (or a strong desire to learn about) technical models such as lead scoring, predictive targeting, or qualification logic. * Ability to work from first principles and thrive in ambiguity with curiosity and autonomy. Bonus: * Experience in fintech, lending, B2B SaaS, or regulated products. * Experience working closely with engineering, product, or data science teams to ship features or models. * Knowledge of the German SME ecosystem or B2B financial products. The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. 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 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

COMMERCIAL STRATEGY MANAGER - CREDIT COMPASS Hybrid working in London, UK (At least two days in office per week) We’re looking for a Commercial Strategy Manager to join our Credit Compass team. 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 Credit Compass launched late 2025. Over the last year we’ve improved the product and now have thousands of users and a very strong NPS score. We’re now focused on how we scale acquisition, launch new experiences, and start understanding what iwoca products different segments of credit compass users want to use. YOUR MISSION This role owns cross-sell for Credit Compass. Put simply, the aim is to help more Credit Compass users find an iwoca product that's genuinely right for them, and in doing so grow the value of each visit. A big part of the role is figuring out the right product for the right customer at the right time. That could be a loan, credit card, insurance, iwocaPay, or something entirely new. You'll decide who should see what, when they should see it, and how to make the journey from recommendation to funding feel effortless. The ambition is simple: moving from a Credit Compass user to an iwoca customer should be as easy as booking a flight. It's a hands-on role. You'd spend your time working out where the value and the friction are, testing new products and offers to see what actually works. You’ll work mostly with the credit compass team, a small knit squad of 8 covering engineering, marketing, and design. A few of the questions you'd pick up early on: * Which product suits which customer, and when — and how would we know we'd got that right? * Where are people dropping out of the cross-sell journey, and how much of that is friction we can fix? * What new products or offers should we be testing, and how do we tell quickly whether they're working? RESPONSIBILITIES Your key areas of responsibility will include: * Own the cross-sell funnel end to end: how users move from seeing an offer, to clicking, starting an application then using one of our products. That means owning the metrics, understanding where the drop-offs are, and being responsible for improving them. * Work out who gets offered what, and when: Use customer data and eligibility signals to match products to customers sensibly, design the logic and experience behind that, and check it genuinely improves conversion and value rather than just clicks. You’ll need to evaluate how customers respond to loans, credit cards, insurance, iwocaPay and more. * Run experiments to answer real questions: Design and ship cross tests - then deep dive into the results to decide what to scale, what needs to be fixed, and what the next opportunity might be. Some tests are already running for you to build on. * Make the journeys seamless: Get into the different user journies find the bugs, tracking gaps and friction, and work with engineers to fix them and measure things cleanly, writing clear problem statements and set a high pace for delivery * Help more declined customers get funded: turning insight into a measurable increase in funded customers from the decline pool. * Measure what you ship and iterate: Track how features perform through click rates, activation, drawdown and value per visit, and be as willing to stop something that isn't working as to keep going with something that is. * Use AI to work faster and go deeper: Lean on AI tools to speed up the analysis, testing and spec-writing that used to take much longer - pulling data together, drafting and interrogating queries, REQUIREMENTS * A track record of owning and improving a business metric: you've had a number you were responsible for (conversion, revenue, retention, something commercial) and you've moved it. You think in terms of funnels and value per customer, and you're used to being measured on outcomes rather than outputs * Data scepticism (i.e. having a sense for when something is off): our data is far from perfect, and one of the most valuable things you can do is spot the obvious problems others miss. That means holding the numbers up against real-world context and noticing when they don't add up * Strong data thinking, and a good partner to the people who do the analysis: you'd work closely with our junior analyst/data scientist as a thought partner to help sharpen the framing of their questions, sense checking their approach and analysis, and making sure the numbers translate into sound commercial decisions * Comfortable making decisions with partial information: lot’s of what we’re doing is new so we don’t have all the data we’d like before we have to make decisions. You’ll be able to figure out when to proceed, when to experiment and when to pause based on risk vs. reward (i.e. what’s the expected upside, how reversible is this decision, etc). * Strong pace setter and sense of ownership: you’ll be responsible for delivering improvements for our customers rather than waiting to be told what to do, instinctively unblocking things or pivoting when a project hits a road block. You're comfortable setting a fast pace for yourself, working out the next most useful thing to do, and driving it forward without needing much direction. * Genuinely curious about how changes affect customer behaviour: you like getting into the weeds of specific journeys (watching sessions in Fullstory, speaking to customers or the teams closest to them) to build a hypothesis about why people behave the way they do, and then confirming it with data * Able to bring other teams along with you: at iwoca, people rightly stay focused on their own metrics and areas. So to get things done across Engineering, Ops, CRM and Sales, you'll need to make the case that a change is worth their time, usually by showing it'll improve something they care about. It's less about authority and more about persuading people with facts and data, and getting them genuinely excited to run an experiment with you * Excited about helping small businesses: small businesses are critical to the UK economy and the people who run them are interesting, motivated and brilliantly opinionated people. Caring about the mission matters to us THE SALARY We expect to pay from £70,000 - £90,000 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, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. 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 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