Senior Backend Engineer (App Store & Ecosystem)

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.

Our team is small, highly motivated, and focused on engineering excellence. We operate with a flat organizational structure. All employees are expected to be hands-on and to 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. They should be able to concisely and accurately share knowledge with their teammates.

Who We’re Looking For

We’re looking for Senior Backend Engineers to join our App Store & Ecosystem squad.

You’ll work on one of Incard’s most strategic bets: building a developer ecosystem around our platform. This includes designing and operating two core API catalogs — one for payments & money movement, and one for analytics, workflows, and automation — enabling partners, internal teams, and third-party developers to build on top of Incard.

This role is ideal for backend engineers who enjoy platform thinking, API design, and enabling other teams to move faster.

What You’ll Do

Build the Incard Developer Platform

• Design and evolve public and internal APIs powering Incard’s App Store

• Contribute to two core API catalogs:

  • Payments APIs (cards, transfers, balances, money movement)

  • Analytics & Workflow APIs (events, insights, automation, actions)

• Build foundations that enable third-party apps and internal teams

API Design & Backend Systems

• Build scalable backend services using TypeScript and Go

• Design APIs that are consistent, secure, versioned, and developer-friendly

• Ensure strong contracts, clear semantics, and predictable behaviour

• Think deeply about permissions, scopes, rate limits, and extensibility

Execution & Delivery

• Own backend features from design to production within your squad

• Break down complex platform initiatives into clear deliverables

• Collaborate closely with Product Owners, Frontend, Mobile, and Data teams

• Write clean, maintainable code with a strong focus on long-term evolution

Reliability, Security & Quality

• Design systems that are resilient, observable, and safe by default

• Ensure APIs behave correctly under failure and scale

• Contribute to monitoring, logging, and alerting

• Participate in code reviews and maintain a high bar for quality

Ecosystem Thinking

• Think like a platform user: internal developers, partners, and third parties

• Contribute to documentation, examples, and developer experience

• Help shape how external developers discover, adopt, and build on Incard

What We’re Looking For

• 5+ years of backend engineering experience in production systems

• Strong experience with TypeScript

• Proven experience building APIs and backend platforms

• Experience working on scalable, distributed systems

• Strong understanding of API design, versioning, and backward compatibility

• Product-minded engineer who understands developer experience

• Clear communicator who works well in cross-functional teams

Nice to Have

• Experience working on an App Store, marketplace, or developer ecosystem

• Experience building fintech, payments, or analytics platforms

• Familiarity with event-driven architectures or workflow systems

• Experience designing SDKs, webhooks, or developer tooling

• Prior experience developing services in Go (Golang).

Mindset We Look For

• Platform-first mindset — you optimise for leverage and reuse

• Strong sense of ownership over systems you build

• Obsession with clarity, consistency, and long-term maintainability

• Pragmatic engineer — strong opinions, loosely held

• Low ego, collaborative, and impact-driven

• Startup DNA — bias to action, fast iteration, 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