Senior Payments Engineer at Incard (London, United Kingdom)Senior Payments Engineer

Incard’s mission is to build the financial operating system for entrepreneurs.

We are focused on creating a system where business banking, financial tools, and application logic are coordinated into a single control layer.

Through the app store, entrepreneurs and developers can build industry-specific functionality as their business evolves.

We are a lean, highly motivated team committed to engineering excellence. We operate within a flat organizational structure. All employees are expected to take a hands-on approach and contribute directly to the company's mission. Leadership is given to those who show initiative and consistently deliver excellence. All engineers are expected to have strong communication skills and should be able to share knowledge with their teammates clearly and concisely.

We are looking for an exceptional Lead Engineer to lead the major re-architecture of our payments service, which will process billions of dollars each month.

As the technical leader, you’ll be instrumental in shaping the architecture and execution of the next generation of our payments service. Your expertise in distributed systems, secure transactions, and high-availability architectures will be essential in building a robust, scalable payments infrastructure.

• Design and implement core components for a high-scale, low-latency payments platform.
• Integrate new banking partners and payment providers, building reliable and maintainable connectivity across multiple rails.
• Work across FX, Payment Rails, Peer-to-Peer, and internal flow-of-funds services to deliver seamless payment experiences.
• Contribute to new product capabilities including Stablecoin Orchestration, Flex Card, and Invoice Financing.
• Lead technical decisions related to architecture, scalability, security, and reliability.
• Collaborate with engineering, product, compliance, and infrastructure teams to deliver end-to-end solutions.
• Define and maintain high engineering standards, including best practices for testing, monitoring, and continuous deployment.
• Proactively identify and address technical risks in a complex, regulated environment.
• Develop comprehensive fraud protection mechanisms that provide robust controls for prevention, detection, and mitigation of financial fraud.

• esign and implement core components for a high-scale, low-latency payments platform.
• Integrate new banking partners and payment providers, building reliable and maintainable connectivity across multiple rails.
• Work across FX, Payment Rails, Peer-to-Peer, and internal flow-of-funds services to deliver seamless payment experiences.
• Contribute to new product capabilities including Stablecoin Orchestration, Flex Card, and Invoice Financing.
• Lead technical decisions related to architecture, scalability, security, and reliability.
• Collaborate with engineering, product, compliance, and infrastructure teams to deliver end-to-end solutions.
• Define and maintain high engineering standards, including best practices for testing, monitoring, and continuous deployment.
• Proactively identify and address technical risks in a complex, regulated environment.
• Develop comprehensive fraud protection mechanisms that provide robust controls for prevention, detection, and mitigation of financial fraud.

Bonus

• Experience working with leading fintech bank integrations (e.g., Banking-as-a-Service providers, core banking platforms).
• Experience working on digital wallets, identity, or fraud detection systems.
• Familiarity with regulatory or compliance frameworks (e.g., PCI-DSS, AML/KYC).
• Experience using Temporal or similar workflow orchestration frameworks.

Tech Stack

• Golang
• Typescript
• Postgres
• Kafka
• Redis
• Kubernetes

• Competitive cash-based compensation
• Incard stock options
• 25 days of paid time off per year, plus bank holidays and your birthday off
• Global health insurance and unlimited paid sick leave