Software Engineer- Backend (Card Processing & Issuing)

Incard who?

We’re Incard. We’re born remote, built for remote work, and busy building the future of financial services for ecommerce entrepreneurs.

What we do

Think of us as the financial partner made for ecommerce. We’re building an all-in-one platform that helps ecommerce entrepreneurs understand their business better, improve decision-making, scale up, and unlock the full potential of ecommerce. We even finance their working capital to help achieve their goals and dream up new ones.

How & why we do it

We give our people the same thing we’re building for our customers: freedom. Freedom to work wherever there’s good Wi-Fi. Freedom to be 100% yourself. Freedom to explore your potential and what’s more – make the most of it. We truly believe we’re making the world a better place for ecommerce, and we want you to be a part of that mission.

Your role

Take ownership of our card processing and issuing systems, driving the development of scalable, reliable, and high-performance backend solutions. As a key contributor, you’ll work on enhancing the speed, stability, and scalability of our card services while playing a pivotal role in delivering new features. The ideal candidate is passionate about building fault-tolerant systems, deeply understands the intricacies of payment card lifecycles, and thrives in a collaborative engineering environment. This role also offers the opportunity to contribute to the smooth execution of a major payment migration and the launch of a merchant account feature.

Your responsibilities

In this role you’ll be:

• Building and maintaining scalable, reliable, and high-throughput card processing and issuing systems.
• Improving the speed, stability, and scalability of card processing services to support growing demand.
• Integrating card processing systems with our ledger and analytics platforms for end-to-end financial tracking.
• Leading the development of the merchant account feature, enabling users to process card payments via links or directly on their websites.
• Contributing to the seamless migration of payment infrastructure to a new partner, ensuring no disruption to card services.

Within 1 month you'll:

• Dive into the existing card processing infrastructure and identify critical areas for optimization and improvement.
• Implement fixes for high-priority bugs affecting card processing speed and reliability.
• Collaborate on initial steps of the payment migration project, ensuring card services remain stable during transitions.

Within 3 months you'll:

• Lead key projects to enhance the performance and scalability of card issuing and processing systems.
• Deliver the first iteration of the merchant account feature, allowing users to process payments through multiple channels.
• Mentor other backend engineers, improving team productivity and fostering a deeper understanding of payment systems.

Within 6 months you'll:

• Successfully complete the payment migration project, ensuring all card processing services operate seamlessly with the new partner.
• Drive system performance improvements, achieving significant gains in processing speed and stability.
• Launch the full-featured merchant account capability, providing users with a robust solution for accepting payments.
• Establish a high-quality, maintainable codebase that supports future scalability and innovation.
• Bring more talented developer onboard

This role involves working closely with the engineering team, including the Head of Engineering and CTO, to lead critical card processing and issuing initiatives. You’ll ensure our systems are prepared to handle increased demand, oversee a smooth payment migration, and deliver a cutting-edge merchant account feature to empower our users.

Your qualifications

What we need to see

• Extensive Experience : Several years of backend engineering experience, focusing on building and optimizing high-throughput systems.
• Card Processing Knowledge : Strong understanding of the payment card lifecycle, including issuing, processing, and settlement.
• Backend Development : Proficiency in Java or Python , with experience in designing reliable and scalable backend systems.
• Real-Time Processing : Expertise in event-driven architecture using tools like Kafka and optimizing systems for real-time operations.
• Database Proficiency : Advanced knowledge of PostgreSQL and experience with performance tuning and database schema design.
• Cloud Infrastructure : Experience with AWS (ECS, RDS, SQS) for deploying and managing cloud-based systems.
• ISO 8583 Familiarity : Knowledge of message formats for card processing or similar standards.
• Collaboration : Strong communication skills with the ability to work closely with cross-functional teams.

What we'd love to see

• Fault-Tolerant Systems : Proven experience building robust, fault-tolerant systems for financial operations.
• Ledger Integration : Experience integrating card systems with payment ledgers and analytics platforms.
• Regulated Environments : Familiarity with compliance and regulatory requirements for card issuing and processing.
• Scalability Expertise : Ability to design systems that scale to meet increasing demand.
• Technical Leadership : Interest in mentoring teammates and contributing to the growth of the team.

Your tool stack

Tech Stack:

• Thread for card processing.
• Kafka for real-time event streaming.
• PostgreSQL for database design and querying.
• AWS : ECS, RDS, and SQS for cloud services.
• Java or Python for backend services.
• Familiarity with ISO 8583 (message format for card processing).

Skills:

• Expertise in building fault-tolerant , high-throughput systems.
• In-depth understanding of payment card lifecycle : issuing, processing, settlement.
• Database performance optimization and indexing techniques.
• Integration of card processing systems with ledger and analytics platforms.

Your people

Forget office-based culture. This is people-first culture. We’re real. We never wait. We care deeply about building a better future for our customers and each other in a way that's never been done before. Here, you can work with people at the top of their game and who didn’t get there by playing games. You can help us change business for ecommerce entrepreneurs, change the world – wherever in the world you may be.

Your benefits

• We work hybrid. We’ll see you in our office in London at least two days per week.
• Diversity is at our core. We're Part French. Part British. Part Italian. Part Asian. Part Polish. Part Ukrainien. You get the idea.
• Great players can stay great players. Progress your career whether you choose to manage people or not.
• Work from home. Get €500 a month towards a co-working space.
• Stock options. We can’t promise you’ll make a fortune. But we’ll give it our very best shot.
• Vacation days. At least 29 days per year as standard + Birthday. Awesome.
• Global health insurance. You know. Just in case.
• Get sick? No stress. Feel better with unlimited paid sick leave.
• Work with the best people for the job. Not the best people within 1 hour’s commute.
• Get support to switch things up. People change. Careers can too.

Free your nine to five

Hit apply and help us revolutionise financial services for ecommerce entrepreneurs.

The process

CV screening > Get to know us call > Team interview(s) > Values interview > Offer (for some roles we’ll include a task, but we’ll notify you if this is the case)