Solution Architect - Data Science

Solution Architect - Payments 3-month contract (Outside IR35) 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. 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. The objective of this 3-month contract is to deliver a complete set of detailed technical product requirements for iwoca’s payments system and credit card ledger, laying the foundation for a robust and scalable product. You will play a key role in building cross-functional clarity by leading focused walkthroughs and producing a practical Q&A reference to support implementation, testing, and onboarding. Success will be measured by the timely delivery of clear, actionable documentation and a step-change in team understanding of the payment infrastructure and ledger requirements. Deliver a complete set of technical product requirements for iwoca’s payment processing infrastructure and credit card ledger Define technical requirements to support the authorisation flow, payments infrastructure and the credit card ledger. Ensure alignment with Visa/Mastercard scheme rules, regulatory requirements, and internal accounting principles. Educate the team on credit card ledger requirements and processing flows Support the architectural design of the payments and credit card ledger system, actively contributing into it. Compile a structured, living document addressing key questions raised during the project, covering edge cases, ledger behaviours, scheme rules, and design decisions. Direct involvement in modelling end-to-end card transaction flows: authorisation, clearing, settlement, chargebacks, and reconciliation. Comfortable writing precise, testable requirements and reviewing their implementation with engineers. Bonus: ~