Product Manager - iwocaPay

iwoca

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. We’re looking for a Business Development Manager in iwocaPay (Hybrid role) We are seeking a proactive and results-driven person to join our team. The primary responsibility of this role is to identify, engage, and onboard e-commerce sellers onto the iwocaPay platform. The ideal candidate will have a strong background in business development, a deep understanding of the e-commerce landscape, and a passion for driving growth in the fintech industry. The team iwocaPay works with sellers to offer innovative Trade Credit and BNPL solutions for business customers. Those merchants are essential to our success as we need them to offer iwocaPay to their customers who in turn use us to spread the cost of their purchase. The role * Seller Acquisition: Identify and prospect potential e-commerce sellers that align with the target market for iwocaPay. * Relationship Building: Build and maintain strong relationships with key stakeholders in e-commerce businesses, including founders, decision-makers, and relevant departments. * Consultative Selling: Understand sellers' pain points and demonstrate how iwocaPay can add value to their business by offering flexible payment solutions. * Onboarding and Support: Guide sellers through the onboarding process, providing necessary assistance and support to ensure a smooth integration with iwocaPay. * Market Insights: Stay updated with industry trends, competitor activities, and market needs to tailor pitches and strategies effectively. * Collaboration: Work closely with the marketing and product teams to develop targeted campaigns, sales collateral, and product enhancements based on seller feedback. The requirements * Be great at networking through strong communication skills * Have a strong interest in our partners' business model and understand how we can improve our partners' offerings with our embedded solutions * Be creative and can think in different dimensions and can empathise with our prospects problems * Have a consultative sales approach that enable you to understand customer needs and match the right product or service to them * Experience explaining complex products and services to customers * A strong track record of not only meeting, but exceeding KPIs to drive both your and the team’s performance * Brilliant communication skills with an excellent telephone manner and a passion for delighting customers * Smart, perceptive, nimble, proactive, you pay attention to details, you start with the question “Why?” * Humble - willing to help others, a team player, responsible and critical of yourself and not just others * Motivated, enthusiastic, eager, highly committed, excited to join iwocaPay * Resilient – you stand tall even in the toughest times * You have a growth mindset - you strive for continuous improvement and always push yourself to be better * You enjoy the chaos of a fast-paced, ever-changing environment * Demonstrates curiosity to use and learn more about AI tools. You'll already be comfortable using AI tools in practical ways - for example, researching prospects, drafting communications, or synthesising market information - showing good judgement about when to use them and the ability to explain the reasoning behind that use. The salary We expect to pay from £42,000—£55,000 + monthly performance related bonus 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

iwoca

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. We’re looking for a Senior Business Development Manager in iwocaPay (Hybrid role) We are seeking an experienced, strategic, and results-driven person to join our team. Building on the core BDM responsibilities of identifying, engaging, and onboarding mid market UK B2B suppliers. The Senior BDM operates at an elevated level - driving strategic direction, mentoring junior team members, and shaping the overall sales function. The ideal candidate will have a proven track record in senior-level business development, deep expertise in the e-commerce and fintech landscape, and the ability to lead from the front. The team iwocaPay works with sellers to offer innovative Trade Credit and BNPL solutions for business customers. Those merchants are essential to our success as we need them to offer iwocaPay to their customers who in turn use us to spread the cost of their purchase. The role * Seller Acquisition & Strategy: Lead and evolve the approach to identifying and prospecting mid market UK B2B suppliers * Relationship Building: Build and maintain strong, senior-level relationships with key stakeholders in e-commerce businesses, including Managing Directors, and C-suite contacts, by creating urgency and trust. * Consultative Selling: Speak with skill, passion, and effectiveness across different buyer personas, frequently adapting the pitch to demonstrate a genuine understanding of prospects’ needs, including complex or uncertain scenarios. * Onboarding and Support: Guide sellers through the onboarding process with precision and adaptability, ensuring a smooth integration with iwocaPay. Facilitate seamless handoffs from sales to key account managers, so sellers progress through launch activities and activate without friction or delays. * MEDDIC Framework: Demonstrate a strong grasp of the MEDDIC framework, consistently applying it to inform decisions on prospect engagement and coaching the team on how to better leverage the method. * Team Development: Participate in and host sales call listening sessions to help train and develop junior team members. Lead from the front in identifying operational gaps and assembling the appropriate training resources and solutions. The requirements * At least 3-5 years in sales roles (ideally in the fintech space), selling complex products and services to senior stakeholders * Have the ability to multi-thread effectively - building deep product knowledge across multiple buying personas and navigating complex organisational structures to engage the right stakeholders at the right time * Be comfortable working within a defined ICP framework - able to quickly qualify and prioritise the right opportunities, ensuring time and energy is focused on accounts most likely to convert and deliver long term value * Demonstrate a strong track record of not only meeting, but consistently exceeding KPIs and inspiring the wider team to do the same * Demonstrates curiosity to use and learn more about AI tools. You'll already be comfortable using AI tools in practical ways - for example, researching prospects, drafting communications, or synthesising market information - showing good judgement about when to use them and the ability to explain the reasoning behind that use. * Be smart, perceptive, nimble, and proactive - you pay attention to detail and always start with the question "Why?" * Be humble - willing to help others, a team player, responsible, and critical of yourself, not just others * Be motivated, enthusiastic, and highly committed, with an entrepreneurial spirit that thrives in a dynamic, ever-changing environment * Be resilient - you stand tall even in the toughest times * Have a growth mindset - you strive for continuous improvement and always push yourself and your team to be better The salary We expect to pay from £55,000—£65,000 + monthly performance related bonus 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

iwoca

FRAUD STRATEGY LEAD – IWOCAPAY We're looking for a Fraud Strategy Lead You'll own the fraud strategy agenda for a B2B payment product that is changing how it delivers digital trade credit. You will design transaction profiling strategies, monitor automated fraud models, and give a small team the direction and context to act on what the data tells us. 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 iwocaPay is iwoca's B2B payment product. It lets business buyers pay on trade credit terms while sellers receive payment upfront. The risk squad manages the loss exposure that sits beneath that model: credit risk, fraud and financial crime, disputes, and payment operation failures such as chargebacks. At the moment, the squad runs largely on operational controls. That works, but it means the analytical and operational sides of risk function independently of each other. We are building the capacity to change that – better predictive analytics, a consistent monitoring framework, and an overarching risk strategy. The squad sits within iwocaPay but works closely with iwoca's Risk Modelling team and the broader technical and data science functions. The role As Fraud Strategy Lead, you'll shape how the fraud function is built. The squad currently runs on effective operational controls, but it means the analytical and operational sides work independently of each other. Your challenge is to close that gap: designing transaction profiling strategies, establishing real-time automated decisioning, and defining risk appetite to keep the B2B checkout experience seamless while loss rates stay inside tolerance. You'll set modelling priorities and evaluate automated fraud models alongside embedded data scientists, rather than building from scratch yourself. You'll guide Risk Analysts and work across product and engineering to turn analytical trade-offs into commercial decisions others can act on. Credit policy, model governance, seller counterparty risk – you'll build up the frameworks for a new invoice finance product.. You'll define the standards, judge whether the models meet them, and present a forward-looking strategy that tells Co-Leads and wider leadership what to sequence next. The decisions you make will shape loss rates, approval volumes, and the pace at which a new product scales. The requirements Essential: * Portfolio ownership: You have managed or materially contributed to a credit portfolio of £10 million or more, with accountability for fraud and/or credit loss performance against a defined risk appetite. * Experience delivering fraud strategy in a digital lending, fintech, or payments context, focusing on transaction profiling over manual reviews. * Experience with B2B-specific fraud typologies, such as buyer impersonation, fictitious invoices, or merchant collusion. * Experience managing fraud loss rates against high-velocity transaction volumes, balancing fraud prevention with customer friction to achieve high straight-through approval rates. * Ability to monitor and evaluate automated fraud models, assessing feature quality and guiding data scientists without necessarily needing to build models yourself. * Ability to collaborate across engineering, data science, and product, translating fraud trade-offs into commercial decisions that non-specialists can act on. * Background in mathematics, statistics, economics, or a related quantitative discipline, allowing you to challenge, tune, and evolve risk frameworks. * Uses AI tools to support analysis and decision making, applying strong judgement to ensure accuracy, risk awareness, and sound outcomes. Bonus: * Experience at a B2B pay-later or trade credit business. * Experience assessing seller counterparty risk or merchant risk in a payments or embedded finance context. * Experience building or scaling a risk function during a period of significant product change or volume growth. The salary We expect to pay from £110,000 – £130,000 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 are a tech company, and we use AI where it helps us work faster or better. We expect people to look for useful applications, test them in practice, and use good judgment about when and how to rely on AI. 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 * Interview welcome pack