Data Scientist - Credit Cards

Data Scientist - Credit Cards 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.

• The team
• 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 prod