Lead/Senior Payments Engineer

Department: Engineering

Location: London

Employment Type: FullTime

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.

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.

About the role

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.

What you'll do

• Design and implement core components for a high-scale, low-latency payments platform.

• 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.

Who you are

• Experienced: 8+ years in backend or systems engineering, ideally with experience in fintech or high-scale platforms

• Expert in distributed systems: You’ve built, deployed, and maintained systems with high concurrency, fault tolerance, and uptime

• Security- and compliance-minded: You understand the unique challenges of handling sensitive personal financial data.

• Builder mentality: You’re excited by zero-to-one problems and proven ability to thrive in fast-paced environments. You are willing to work hard.

• Strong communicator: You can clearly articulate complex technical ideas and influence technical direction. You look for simple solutions and avoid over-engineering systems.

Bonus

• Experience working on payments, 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

• Postgres

• Kafka

• Redis

• Kubernetes

• Typescript (for reading and maintaining existing services)

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