Senior Backend Engineer (App Store & Ecosystem)

London March 25, 2026 Full Time

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