Iwoca, London
Hybrid in London, United Kingdom
We're looking for a Data Scientist to join the Credit Cards team.
You'll build the credit risk, pricing, and customer lifetime value models behind iwoca's business credit card – who gets a card, with what features, and at what rate.
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.
As a Data Scientist in Credit Cards, you'll do the analysis and modelling for the card's commercial decisions. You'll often have small samples and incomplete data, which suits Bayesian methods. You'll quantify the uncertainty in each estimate and explain what it means for the decision.
You'll run your own projects, from framing the question with the commercial lead to helping the team act on the result. Your models will shape how the card grows. You will be embedded in a broader Credit Cards Team and learn about the product and customer needs. You'll share methods with Credit Risk Modelling, especially where card and lending models overlap, and with data scientists across iwoca in the analytics guild.
iwoca launched its business credit card at the start of 2026. It gives small businesses a fast, flexible way to pay for what they need and control their cash flow, alongside iwoca's loans. The card is a core part of iwoca's long-term growth.
The Credit Cards team builds the card on iwoca's existing lending infrastructure and customer base. The team is made up of commercial strategy product, engineering, operations, and a data scientists.
The salary
We expect to pay from £80,000 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 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
The requirements
TeyaLondon
Pay not posted
Posted 28 days ago
$230K–$262K / yr
Posted 26 days ago
$197K–$246K / yr
Posted 9 days ago
$123K–$169K / yr
Posted Sep 18, 2026
$162K–$201K / yr
Posted Oct 15, 2026
DivineSan Francisco, California
Pay not posted
Posted Nov 11, 2025
Source: the Iwoca Ashby job board. We last checked this job 15 h ago. We first saw it 7 days ago. A job on a job board does not always mean that the team interviews people now. We found this job board in a public list. We did not yet compare it with the careers page of the company.
No one has reported an interview at Iwoca yet. Did you interview there? Add the questions.