Lead Backend Engineer

About Us

We're Incard, building the Financial Operating System for digital entrepreneurs.

Our vision is to make finance work the way your business does — not the other way around. With Incard, you can customize your financial stack through industry-specific features, AI-driven insights, and an App Store inside your bank. Whether you run a D2C brand, a digital agency, or an online business, Incard adapts to your unique financial workflows.

We're rethinking financial infrastructure from the ground up: one that's modular, intelligent, and built for compliance by design.

From spend management and cashflow automation to integrated rewards and multi-currency accounts, everything works together seamlessly to help you save time, stay compliant, and scale globally.

Just as Apple redefined personal tech, we're redefining business finance: flexible, powerful, and built around you.

Who We're Looking For

We're looking for a Lead Backend Engineer to own Incard's Analytics & Integrations domain.

You'll lead the squad responsible for financial data ingestion, analytics architecture, and integrations with e-commerce platforms, banks, PSPs, and third-party services. This role sits at the core of how data flows through Incard, powering dashboards, insights, forecasting, and AI-driven features.

This is a high-impact, systems-heavy role ideal for a backend leader who enjoys data correctness, scale, and developer-grade APIs.

What You'll Do
Own the Analytics & Integrations Domain

• Act as the technical owner for analytics pipelines and external integrations
• Design and operate systems that ingest, normalise, and expose financial data
• Own domain boundaries, schemas, and long-term data architecture

System Design & Architecture

• Architect scalable, distributed systems using Elixir and TypeScript
• Design high-throughput ingestion pipelines for e-commerce, banks, and PSPs
• Build analytics-ready data models and performant query patterns using SQL
• Design APIs that are predictable, composable, and developer-friendly

Team Leadership & Delivery Ownership

• Lead and manage a squad of up to 5 backend engineers
• Own your team's tickets, delivery, and code quality
• Run daily stand-ups and drive execution within the squad
• While priorities are shaped with the Tech Lead, CTO, and Product Owner, you own day-to-day task management and delivery
• Maintain high engineering standards through reviews, mentoring, and hands-on leadership

Execution & Delivery

• Lead backend delivery from design to production
• Break down complex initiatives into clear technical plans and milestones
• Support engineers with fast decisions, architectural guidance, and unblockers
• Ensure features ship reliably without sacrificing correctness or performance

Reliability, Data Quality & Observability

• Ensure data accuracy, consistency, and traceability across pipelines
• Build safeguards around retries, idempotency, backfills, and reconciliation
• Design observability around ingestion lag, data freshness, and correctness
• Partner closely with Product, Data, and AI teams to ensure analytics fitness

Collaboration & Influence

• Collaborate closely with Product Owners, Frontend, Mobile, Data, and AI teams
• Represent the Analytics & Integrations domain in technical discussions
• Contribute to shared backend standards, tooling, and long-term architecture

What We're Looking For

• 7+ years of backend engineering experience, including leadership responsibilities
• Strong experience with Elixir and TypeScript in production systems
• High proficiency in SQL and data modelling for analytics workloads
• Proven experience architecting scalable, distributed systems
• Experience building integrations with external APIs (e-commerce, banks, PSPs, SaaS)
• Strong understanding of data pipelines, ingestion patterns, and API design
• Ability to design systems engineers trust and product teams can build on
• Clear communicator who aligns engineering, product, and stakeholders

Nice to Have

• Experience with event-driven architectures or stream processing
• Experience with financial analytics or accounting data
• Familiarity with data warehouses or OLAP patterns
• Experience designing public or partner-facing APIs

Mindset We Look For

• Owner mentality — you treat data and integrations as core infrastructure
• Obsession with data quality, correctness, and long-term maintainability
• Pragmatic architect — strong opinions, loosely held
• Calm under pressure when pipelines or integrations fail
• Low ego, high standards, and strong collaboration instincts
• Startup DNA — bias to action, accountability, no bureaucracy

Why Join Us

We're not just building a product — we're building a new way for digital businesses to operate financially.

• Hybrid work — join us in our London office at least 2 days a week
• Global mindset — our team is part French, British, Italian, Asian, Polish, and Ukrainian. You get the idea.
• Career growth without limits — deepen your craft, own critical systems, and grow your impact
• Modern, opinionated technical stack with room to influence decisions
• €500/month co-working support if you prefer your own setup
• Stock options — we can't promise a fortune, but we're giving it our all
• 28+ vacation days per year, plus your birthday off
• Global health insurance and unlimited paid sick leave
• Work with top talent from anywhere, not just within a 1-hour commute
• Support for reinvention — people evolve, and careers should too

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