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’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.
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
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
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
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
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
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
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
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
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
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