---
title: 'Senior Product Owner (Data / AI) at Incard'
canonical: 'https://feeny.ai/job/senior-product-owner-data-ai-incard-london-45mtqw2eyf04'
type: 'job'
last_seen: '2026-09-09'
---

# Senior Product Owner (Data / AI) at Incard

- **Company:** Incard
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2025-12-15
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.ashbyhq.com/incard/12f6989d-961a-4a53-aa9c-2e63b732a9de

## Job description

## ABOUT INCARD

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.

## WHO WE’RE LOOKING FOR

We’re looking for a Senior Product Owner (Data / AI) who operates like a mini-CEO for our intelligence layer.

You’ll own data-driven product domains such as analytics, forecasting, benchmarking, anomaly detection, recommendations, and AI-powered financial insights. You’ll work at the intersection of data science, analytics, AI, and product, partnering closely with Analytics, AI, Backend, and Product teams.

This role is ideal for someone with a data science or analytics background who wants to turn models, metrics, and signals into clear, actionable product experiences for business users.

## WHAT YOU’LL DO

OWN A DATA & AI PRODUCT VERTICAL END-TO-END

- Act as the founder of your data/AI domain
- Own vision, scope, quality, and outcomes with minimal supervision
- Translate complex data capabilities into real product value

## DATA & AI PRODUCT STRATEGY

- Define product use cases for analytics, forecasting, and AI-driven insights
- Partner with data scientists to shape models, assumptions, and outputs
- Decide what to build vs what to infer, predict, or automate
- Define success metrics focused on accuracy, usefulness, and adoption

## WORKING WITH ANALYTICS & AI TEAMS

- Collaborate closely with Analytics and AI teams on data pipelines, models, and features
- Turn raw data, signals, and predictions into user-facing insights and workflows
- Ensure explainability, trust, and clarity in AI-powered outputs
- Balance precision with usability — perfect models that users don’t understand are not success

## EXECUTION & DELIVERY

- Write clear product requirements, specs, and acceptance criteria for data & AI features
- Break down complex initiatives into deliverable milestones
- Support engineers and data scientists with fast decisions and prioritisation
- Manage iterations after launch based on usage, feedback, and performance

## QUALITY, ETHICS & RELIABILITY

- Own validation of data quality, assumptions, and edge cases
- Ensure robustness around missing data, anomalies, and model failure modes
- Work closely with compliance and risk teams on AI governance and explainability
- Ensure responsible use of AI in regulated financial contexts

## CROSS-FUNCTIONAL OWNERSHIP

- Collaborate with frontend, mobile, backend, and customer-facing teams
- Align data products with business, regulatory, and operational needs
- Create clear internal documentation for models, metrics, and decision logic
- Support hiring and help shape your future data/AI squad

## WHAT WE’RE LOOKING FOR

- 4–7+ years of experience in Data Product, Analytics Product, or Data Science–led product roles
- Strong background in data science, analytics, or applied machine learning
- Experience turning data and models into real product features
- Strong understanding of metrics, experimentation, forecasting, and data pipelines
- Ability to write clear, structured specs for data and AI-driven systems
- Comfortable working with ambiguity, probabilistic outcomes, and imperfect data
- Highly organised, analytical, and outcome-focused
- Strong communication skills — able to explain complex concepts simply

## NICE TO HAVE

- Experience in fintech, payments, or financial analytics
- Experience with forecasting, anomaly detection, or recommendation systems
- Familiarity with BI tools, experimentation frameworks, or ML platforms
- Experience working on AI assistants, copilots, or decision-support tools

## MINDSET WE LOOK FOR

- Mini-CEO mentality — you own intelligence outcomes, not just models
- Data-first thinking with strong product judgement
- Obsession with clarity, trust, and real-world usefulness
- Comfortable making decisions with incomplete or noisy data
- Low-ego, highly collaborative partner to engineers and data scientists
- Startup DNA — fast iteration, ownership, no bureaucracy

## BENEFITS:

- 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

## About Incard

## Company Overview
- **One-liner**: Incard is a financial platform for high-growth digital companies, offering multi-currency business accounts, corporate cards, and cash-flow management tools tailored for e‑commerce brands, agencies, and creators.
- **Entity Type**: Private (Series A)
- **Headquarters**: London, United Kingdom [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Founded**: 2020 [linkedin.com](https://uk.linkedin.com/company/incard)
- **Founders**: Theo Cesarini (CEO), Soraya Tribouillois (Co‑Founder & CFO), Matteo Martino (Co‑founder & COO) [linkedin.com](https://uk.linkedin.com/company/incard)

## Core Business
- **Primary industry**: Financial Services (Embedded finance / Fintech for e‑commerce)
- **Target customers**: B2B – e‑commerce brands, digital agencies, affiliates, resellers, and creators [linkedin.com](https://uk.linkedin.com/company/incard)
- **Mission / Purpose**: “Building the financial operating system for digital entrepreneurs” – reconfigure how entrepreneurs manage their finances by providing an all‑in‑one platform that replaces fragmented banking and payment tools [cbinsights.com](https://www.cbinsights.com/company/incard)

## Products & Services
- **Multi‑currency Business Accounts**: Supports global revenue streams with real‑time cash‑flow tracking and accounting automation. [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Virtual & Mobile Wallet Cards**: Enables faster payments, higher limits, and 24/7 support for business spending. [linkedin.com](https://uk.linkedin.com/company/incard)
- **Ad‑Spend Rewards**: Incard offers rewards on advertising spend, helping customers reinvest in growth. [cbinsights.com](https://www.cbinsights.com/company/incard)
- **App Store & AI Automation**: The company is developing an app store and investing in AI to further automate financial workflows. [cbinsights.com](https://www.cbinsights.com/company/incard)

## Market Standing
- **Valuation / Market Cap**: Not disclosed (private)
- **Key Metric**: Total funding raised – **$16.78M** (including a £10M / ~$13.69M Series A led by Smartfin in February 2026) [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Notable Investors/Partners**: SmartFin Capital (lead), Founders Capital, MountFund, SyndicateRoom, GE Ventures [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Growth Signals**:
  - Secured an **Electronic Money Institution (EMI) licence** from the UK’s FCA in early 2026, enabling direct issuance of e‑money and payment accounts [cbinsights.com](https://www.cbinsights.com/company/incard)
  - Over **£500M** transacted on the platform by users to date [cbinsights.com](https://www.cbinsights.com/company/incard)
  - Employee headcount grew **+70% year‑over‑year** (reaching 21 employees) [linkedin.com](https://uk.linkedin.com/company/incard)
  - Customers include brands like **Azio Beauty, Aloe Paris, and Ankhway** [cbinsights.com](https://www.cbinsights.com/company/incard)

## Competitive Advantages
- **EMI Licence**: Direct regulatory oversight by the FCA gives Incard autonomy to innovate in payments and card‑issuing without relying on a third‑party bank [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Specialised for e‑commerce**: Unlike general‑purpose neobanks, Incard is purpose‑built for digital entrepreneurs, integrating with major e‑commerce platforms and offering ad‑spend rewards [linkedin.com](https://uk.linkedin.com/company/incard)
- **All‑in‑one Financial OS**: Combines business accounts, corporate cards, cash‑flow management, invoicing, and ad spend in a single orchestration layer [cbinsights.com](https://www.cbinsights.com/company/incard)

## Strategic Focus
- **Expand product suite**: Continue building the “app store” and invest heavily in **AI and automation** to further simplify entrepreneurs’ financial workflows [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Scale customer base**: Capitalise on the EMI licence to offer faster, more flexible services to high‑growth e‑commerce brands and agencies across Europe [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Hiring & talent**: Active recruitment for senior engineering, product, compliance, and creative roles, with a focus on entrepreneurial‑minded team members [incard.com/careers](https://incard.com/careers)

## Why Work Here
- **Culture highlights**: Incard emphasises diversity (40% women, multiple nationalities) and an entrepreneurial, “win as a team” mentality [incard.com/careers](https://incard.com/careers)
- **Work policy**: Hybrid and in‑office options available; the London headquarters operates on an “in‑office” basis per Built In, though some roles are listed as hybrid [builtin.com](https://builtin.com/company/incard)
- **Engineering culture**: Strong investment in AI and automation; team size is small (~21 people) allowing for outsized impact; senior engineering roles open (Frontend, Backend, iOS, Android, Data/AI) [linkedin.com](https://uk.linkedin.com/company/incard) [jobs.ashbyhq.com](https://jobs.ashbyhq.com/incard)
- **Perks**: Not explicitly listed, but the company’s mission to “save time and money” for entrepreneurs reflects a practical, results‑oriented environment [incard.com/careers](https://incard.com/careers)

## Sources
1. [incard.com/careers](https://incard.com/careers) – Careers page with culture details and values
2. [cbinsights.com](https://www.cbinsights.com/company/incard) – Company profile, funding, EMI licence, and financial data
3. [uk.linkedin.com/company/incard](https://uk.linkedin.com/company/incard) – LinkedIn company page with headcount, revenue, and founding team
4. [builtin.com/company/incard](https://builtin.com/company/incard) – Office locations, job listings, and work‑policy details

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