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

Senior Product Owner (Technical / Functional)

who operates like a

mini-CEO for a backend product domain

.


You'll own complex, system-heavy product areas such as

payments, cards, ledger, integrations, APIs, automation, or financial infrastructure

. This role sits deep in the engine room of Incard, working daily with backend engineers, platform teams, compliance, and leadership.


This role is ideal for someone with a

strong engineering or technical background

who moved into product, someone who enjoys complexity, precision, and building robust systems that scale.

What You'll Do

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

Own a Technical Product Vertical End-to-End

Act as the

founder

of your domain (e.g. payments, ledger, integrations) Own scope, quality, delivery, and outcomes with minimal supervision Drive clarity in highly complex, multi-stakeholder problem spaces

Product Strategy & System Design

Define functional requirements, system behaviour, edge cases, and invariants Design end-to-end flows across services, APIs, and third-party providers Make architectural trade-offs in collaboration with senior engineers Define success metrics focused on reliability, performance, and correctness

Execution with Backend Teams

Write precise product requirements, technical specs, and acceptance criteria Break down complex initiatives into clear, executable milestones Support engineers daily with fast decisions and clear direction Run standups and rituals for your squad, keeping momentum high

Quality, Risk & Reliability

Own functional QA and end-to-end validation before release Ensure robustness around failure modes, retries, reconciliation, and recovery Work closely with compliance, risk, and operations to ensure correctness Anticipate and mitigate edge cases before they hit production

Cross-Functional Ownership

Collaborate closely with frontend, mobile, data, and customer-facing teams Align technical delivery with regulatory, operational, and business needs Produce clear internal documentation for systems, workflows, and decisions Support hiring and help shape your future squad

What We're Looking For

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

4-7+ years of experience in

Technical Product Ownership, Product Management, or Engineering-led product roles

Strong technical background (ex-engineer, technical lead, or highly technical PM) Deep understanding of backend systems, APIs, integrations, and data flows Experience owning complex domains such as payments, fintech infrastructure, SaaS platforms, or marketplaces Ability to write clear, unambiguous specs that engineers trust Comfortable working with ambiguity, trade-offs, and high-stakes systems Highly organised, detail-oriented, and execution-driven Strong communication skills across engineering, product, and leadership

Nice to Have

Experience in fintech, payments, cards, ledger, or regulated environments Familiarity with distributed systems, event-driven architectures, or workflows Experience working with third-party providers (PSPs, banks, APIs, vendors) Previous experience as a backend engineer or tech lead

Mindset We Look For

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

Mini-CEO mentality

-- you own system outcomes, not just delivery Engineering-first thinking with strong product judgement Obsession with correctness, clarity, and reliability Low-ego, highly collaborative, and trusted by engineers Bias to action -- decisions over discussion, progress over perfection Startup DNA -- fast iteration, no bureaucracy, high accountability

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