Job Description

About Us

We're

Incard

, building the

Financial Operating System for digital entrepreneurs

.


Our vision is to make finance work the way your business does -- not the other way around. With Incard, you can

customize your financial stack

through

industry-specific features

,

AI-driven insights

, and an

App Store inside your bank

. Whether you run a D2C brand, a digital agency, or an online business, Incard adapts to your unique financial workflows.


We're rethinking financial infrastructure from the ground up: one that's

modular, intelligent, and built for compliance by design

.


From spend management and cashflow automation to integrated rewards and multi-currency accounts, everything works together seamlessly to help you save time, stay compliant, and scale globally.


Just as Apple redefined personal tech, we're redefining business finance:

flexible, powerful, and built around you.

Who We're Looking For

-------------------------


We're looking for a

Lead Backend Engineer

to own and scale one of the most critical domains at Incard:

Payments & Core Banking

.


You'll act as the

technical owner and squad lead

for systems that move money, manage balances, and integrate with banking and payment providers. This is a

high-impact, high-trust role

where correctness, reliability, and scalability are non-negotiable.


This role is ideal for a senior backend engineer who wants

real ownership

-- leading a team, shaping architecture, and building systems that handle money safely at scale.

What You'll Do

------------------

Own a Core Backend Domain

Act as the

technical owner

for Payments & Core Banking Design, evolve, and operate mission-critical systems handling real money Own system architecture, data flows, and boundaries for your domain

System Design & Architecture

Architect scalable, distributed backend systems using

TypeScript and Go

Design systems for payments, transfers, balances, ledgers, and reconciliation Make informed trade-offs around consistency, availability, and latency Design for failure: idempotency, retries, reconciliation, and recovery

Team Leadership & Delivery Ownership

Lead and manage a squad of

up to 5 backend engineers

Own your team's

tickets, delivery, and code quality

Run

daily stand-ups

and drive execution within the squad While priorities are shaped collaboratively with the Tech Lead, CTO, and Product Owner, you are responsible for

day-to-day task management and delivery

Maintain high engineering standards through hands-on reviews, guidance, and mentoring

Execution & Delivery

Lead backend delivery from design to production Break down complex initiatives into clear technical plans and milestones Support engineers with fast decisions, architectural guidance, and unblockers Ensure work ships efficiently without compromising quality or correctness

Reliability, Security & Compliance

Ensure systems are resilient, observable, and auditable Build safeguards around race conditions, edge cases, and failure modes Partner closely with compliance, risk, and operations teams Uphold high standards for data integrity, traceability, and financial correctness

Collaboration & Influence

Collaborate closely with Product Owners, Frontend, Mobile, Data, and AI teams Represent your domain in technical discussions with leadership Contribute to shared backend standards, tooling, and long-term architecture

What We're Looking For

--------------------------

5-7+ years of backend engineering experience, including team leadership Strong expertise in

TypeScript and/or Go

in production environments Proven experience architecting

scalable, distributed systems

Experience building payments, banking, or other high-stakes financial systems Deep understanding of concurrency, consistency models, and failure handling Strong code review, mentoring, and technical decision-making skills Clear communicator who can align engineers, product, and stakeholders

Nice to Have

Experience with

Temporal

or similar workflow orchestration engines Experience with event-driven architectures or workflow-based systems Familiarity with ledger-based or double-entry accounting systems Experience integrating with banks, PSPs, or payment rails

Mindset We Look For

-----------------------

Owner mentality

-- you treat systems and teams as if they were your own company Obsession with correctness, reliability, and long-term maintainability Pragmatic architect with strong opinions, loosely held Calm under pressure when systems misbehave Low ego, high standards, and strong collaboration instincts Startup DNA -- bias to action, accountability, no bureaucracy

Why Join Us

---------------


We're not just building a product -- we're building a new way for digital businesses to operate financially.

Hybrid work -- join us in our London office at least 2 days a week Global mindset -- our team is part French, British, Italian, Asian, Polish, and Ukrainian. You get the idea. Career growth without limits -- deepen your craft, own critical systems, and grow your impact Modern, opinionated technical stack with room to influence decisions EUR500/month co-working support if you prefer your own setup Stock options -- we can't promise a fortune, but we're giving it our all 28+ vacation days per year, plus your birthday off Global health insurance and unlimited paid sick leave Work with top talent from anywhere, not just within a 1-hour commute * Support for reinvention -- people evolve, and careers should too