Incard
Senior Payments Engineer
- Location
- London, England, GB
- Arrangement
- Hybrid
- Employment type
- Full-time
- Level
- Senior
- Posted
- 11 November 2026 (4 days ago)
Checked 3 days agoApplications go to the employer, never to RoleSprint
About this role
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.
- Integrate new banking partners and payment providers, building reliable and maintainable connectivity across multiple rails.
- Work across FX, Payment Rails, Peer-to-Peer, and internal flow-of-funds services to deliver seamless payment experiences.
- Contribute to new product capabilities including Stablecoin Orchestration, Flex Card, and Invoice Financing.
- 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
- Design and implement core components for a high-scale, low-latency payments platform.
- Integrate new banking partners and payment providers, building reliable and maintainable connectivity across multiple rails.
- Work across FX, Payment Rails, Peer-to-Peer, and internal flow-of-funds services to deliver seamless payment experiences.
- Contribute to new product capabilities including Stablecoin Orchestration, Flex Card, and Invoice Financing.
- 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.
Bonus
- Experience working with leading fintech bank integrations (e.g., Banking-as-a-Service providers, core banking platforms).
- Experience working on 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
- Typescript
- Postgres
- Kafka
- Redis
- Kubernetes
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
Work location
- London, England, GB
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About this listing
Published on Ashby under the board identifier Incard, which is the name the employer’s own job board carries. RoleSprint has not verified the company’s registered or trading name, so it is shown exactly as published rather than tidied up.
RoleSprint is not the employer and not a recruiter. Applications are made on the employer’s own site and never reach us; what RoleSprint does is help you decide whether a role is worth your time and prepare for it if it is.
Published 11 November 2026, last checked 3 days ago. A posting stops being advertised here 90 days after the employer published it, and one the employer takes down is marked closed rather than quietly removed.