> Markdown version of [/jobs/ext/4018850-full-stack-engineer-credit-cards](https://www.wearedevelopers.com/jobs/ext/4018850-full-stack-engineer-credit-cards). Every page supports `.md` or `Accept: text/markdown`. Links point to the HTML versions so they work for humans too. Agent guide: [/agents.md](https://www.wearedevelopers.com/agents.md).

---

# Full-Stack Engineer - Credit Cards

- **Company:** iwoca
- **Location:** London, UK
- **Experience:** Expert
- **Salary:** £80,000.0 - £90,000.0
- **Contract:** Permanent contract
- **Skills:** Application Programming Interfaces (APIs), Artificial Intelligence, Android Software Development, Relational Databases, Mobile Application Software, Python (Programming Language), PostgreSQL, TypeScript, ReactJS, Claude Code, AI Coding Agents, Fastapi, React Native, Front End Software Development
- **Published:** October 30, 2026
- **Apply:** https://startup.jobs/senior-full-stack-engineer-credit-cards-iwoca-co-uk-10628964

## About the Role

Essential:

 * Backend engineering. You've built well-tested Python services for customer-facing products, and kept them working once people relied on them.
 * Data models and APIs. You've designed relational data models, ideally in PostgreSQL, and built and integrated APIs.
 * Frontend. You've written enough React and TypeScript to build and ship customer-facing features.
 * Product ownership. You've taken features from an idea to production and owned them once they were live. You've challenged a plan when it didn't meet a customer need, and offered a better one.
 * AI leverage. You've built agentic workflows, or used AI to scale your engineering output beyond what you could deliver alone, at work or in your own projects. You judge when to use it and when not to, and you check its output before it reaches production.
 * Communication. You write and speak clearly, directly, and concisely. You adapt technical detail to your audience.

## Description

As a senior full-stack engineer, you'll work mostly on the backend, and build the frontend for your features too.

 * Ownership. You'll shape what the team builds next, starting from what customers need. You'll decide how each of your features works, from the data model and API to how you test, release, and monitor it.
 * Impact. Business owners use your work every time they check their cashback, set spend controls, or freeze a lost card. The team releases often, and your changes reach them quickly.
 * Variation. You'll write Python and FastAPI services backed by PostgreSQL, and React and TypeScript for the web. You'll also work in React Native on the iwoca Mobile App, and on the Credit Cards CRM that operations staff use, when a feature needs it.
 * Card expertise. You'll learn how card transactions work - from the card processor to the card scheme - alongside the engineers who build iwoca's payments platform.
 * AI-first engineering. You'll build with AI coding tools as standard. On the iwoca Mobile App, for example, the team writes a spec for each feature and reviews it before building it with Claude Code., * Mobile. You've developed iOS or Android app features, ideally in React Native.
 * Fintech. You've worked on financial products, especially card payments.
 * FastAPI. You've built and run production services with FastAPI.
 * Internal tools. You've written software for operations or support staff.