---
title: 'Senior Product Owner (Tech) at Incard'
canonical: 'https://feeny.ai/job/senior-product-owner-tech-incard-london-wak3qkaqghjw'
type: 'job'
last_seen: '2026-09-09'
---

# Senior Product Owner (Tech) 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/81f3f4bc-319a-4d24-9749-4b6710646b22

## 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 (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

## 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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