Software Engineer- Backend (Payments & Ledger)

Incard who?

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

What we do

Think of us as the financial partner made for ecommerce. We’re building an all-in-one platform that helps e-commerce entrepreneurs understand their business better, improve decision-making, scale up, and unlock the full potential of e-commerce. 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 e-commerce, and we want you to be a part of that mission.

Your role

Address complex challenges and craft robust, scalable, and high-quality software solutions. The ideal candidate has a deep passion for building reliable and maintainable systems and possesses a keen understanding of modern backend development practices. They are adept at making informed decisions on tools and libraries, staying up to date with advancements in their ecosystem. This role requires working across the product stack, with a focus on ensuring the stability and scalability of the payment infrastructure while maintaining the integrity of the codebase.

Your responsibilities

In this role you’ll be:

• Designing and implementing scalable, reliable, and maintainable backend systems.
• Developing and refining a distributed payment ledger to enhance financial operations stability and accuracy.
• Collaborating on the architectural direction of our payment systems, ensuring efficient microservices-based distributed architecture.
• Driving the migration of payment systems from legacy infrastructure to a more robust, independent ledger solution.
• Streamlining the reconciliation process and automating financial workflows for better performance and error handling.

Within 1 month you'll:

• Lead an architectural improvement initiative for our existing payment infrastructure.
• Contribute to key projects in the payment and ledger domains, including building integrations, enhancing invoice management, and automating receipt matching.
• Begin implementing features to reduce dependencies on external payment partners by building an independent ledger solution.

Within 3 months you'll:

• Mentor team members, sharing your expertise to enhance their productivity and skills.
• Actively participate in product monitoring, incident resolution, and support processes, ensuring system reliability.
• Deliver key enhancements to our financial systems, improving both velocity and quality of delivery.

Within 6 months you'll:

• Significantly enhance the stability and performance of the payment infrastructure, ensuring seamless operation.
• Play a pivotal role in the successful migration of our payment systems to a new, more scalable partner infrastructure.
• Build and launch a robust in-house ledger system that minimizes external dependencies and supports future scalability.
• Be proud of a high-quality product and a well-architected codebase, and contribute to hiring more talented developers to scale the team further.

This role involves close collaboration with the engineering team, including the Head of Engineering and CTO, to spearhead critical banking initiatives. You’ll lead efforts to migrate payment infrastructure to a new partner, design and implement an independent ledger system, and significantly improve the stability and efficiency of our payment systems.

Your qualifications

What we need to see

• Extensive Experience : Several years of backend software engineering experience, with a focus on financial systems and payment infrastructure.
• Ledger Expertise : Hands-on experience with ledger systems such as ThoughMachine or similar platforms, and a deep understanding of reconciliation logic.
• Backend Development : Strong proficiency in Python , with experience designing and maintaining payment processing systems.
• Event-Driven Architecture : Expertise in tools like Kafka for handling high-throughput, real-time financial operations.
• Cloud Infrastructure : Proven experience with AWS (S3, Lambda, EC2, DynamoDB) for building and managing cloud-based systems.
• Database Skills : Advanced knowledge of relational databases such as PostgreSQL or MySQL for managing financial data.
• Security Practices : Familiarity with application security principles, including encryption and secure data handling.
• Collaboration : Strong cross-functional communication skills, particularly in working with product and engineering teams.

What we'd love to see

• Payments Knowledge : Deep understanding of payment systems, including processing flows, ledgers, and reconciliation workflows.
• Blockchain Familiarity : Experience with Solidity or other smart contract frameworks for secure financial transactions.
• Scalability Expertise : Proven ability to design systems that handle high volumes and support business growth.
• Technical Leadership : Willingness to mentor team members and contribute to the team’s technical growth.
• Innovation Mindset : Interest in exploring and integrating emerging technologies to enhance payment systems.

Your tool stack

Tech Stack:

• ThoughMachine for ledger or similar ledger systems.
• AWS for infrastructure (S3, Lambda, EC2, DynamoDB).
• Python for scripting and backend development.
• Solidity or similar for Smart Contract development.
• API Development : Proficient in designing RESTful and GraphQL APIs .

Skills:

• Expertise in distributed ledger systems or blockchain frameworks.
• Event-driven architecture using AWS Lambda or Kafka .
• Reconciliation logic for financial operations.
• Proficiency in database schema design (PostgreSQL or MySQL).
• Strong debugging and unit testing skills.

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)