Hybrid working in London, UK (At least one day in the office per week)
We’re looking for a Senior Analyst to join our Credit Compass team.
Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses.
Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve.
We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.
We've already made significant strides, but our ambition to support small businesses goes beyond just funding. One of the products we’ve launched is the Credit Compass, our free Business Health Tool, designed to give small business owners clarity around their financial health and credit standing.
You’ll shape the future of Credit Compass by using data to shape product direction. Your goal is to identify opportunities across sources like Open Banking, credit files, and customer behaviour that help small businesses better understand and improve their financial health - while driving measurable improvements in engagement, retention, and lifetime value.
Working closely with Product, Engineering, and Commercial teams, you’ll test and validate ideas on real data, prove what will genuinely move the needle, and take initiatives from early concept through to implementation-ready specifications. You’ll be accountable for whether what we build is adopted by customers and delivers impact
Your key areas of responsibility will include:
Evaluate what to build from data: Explore new and existing data sources (e.g. Open Banking, credit files, behavioural signals) to evaluate the feasibility of feature and cross-sell opportunities that could meaningfully improve customer understanding, engagement, and value.
Prove how features will work before they’re built: Run hands-on analyses, test runs, and worked examples using real data to validate that proposed features are viable, explainable, and valuable. Pressure-test logic, edge cases, and failure states before ideas reach engineering.
Define features end to end: Translate validated ideas into clear, implementation-ready specifications, including feature logic, rules, assumptions, examples, and customer-facing implications. Turn this into high-quality briefs and Jira tickets that engineers can build with confidence.
Shape data-led cross-sell decisions: Use customer data and eligibility signals to determine which products should be offered to which customers, and when. Define the logic and experience behind data-led cross-sell features and journeys, in partnership with product marketing.
Measure impact and iterate: Own the success of the features you define, measured through adoption, repeat usage, retention uplift, and CLTV impact. Analyse post-launch performance, iterate where needed, and recommend stopping or reshaping initiatives that don’t deliver.
5+ experience in data-heavy roles, ideally in internal tools, fintech, consulting with build responsibility, or a startup / scale-up with a strong analytical culture
Confident working with raw data, comfortable writing SQL, pulling tables, and forming views from first principles rather than relying on pre-built dashboards or second-hand analysis
Execution-focused and decisive, able to get deep into complex problems, make pragmatic calls with imperfect information, and move work forward without waiting for everything to be perfectly defined
Strong systems and product logic thinking, able to reason about feature rules, data flows, and edge cases, and work credibly with engineers without owning implementation details
Comfortable translating analysis into buildable work, producing clear written specs, worked examples, and Jira-ready tickets that de-risk delivery and support fast execution
Analytical mindset with strong bias to action, preferring structured problem-solving, real data, and learning in production over heavy rituals, brand-led thinking, or endless debate.
At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.
We expect to pay from £60,000 - £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.
We put a lot of effort into making iwoca a brilliant place to work:
Offices in London, Leeds, and Frankfurt with plenty of drinks and snacks
Events and clubs, like bingo, comedy nights, yoga classes, football, etc.
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, 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 emotional and mental health support.
3% Pension contributions and share options.
Generous parental leave and a nursery tax benefit scheme to help you save money.
Cycle-to-work scheme and electric car 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.
Iwoca.co.uk
https://iwoca.co.uk.com