Senior Product Owner (Tech)

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.

Who We’re Looking For

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.

What You’ll Do

Own a Technical Product Vertical End-to-End

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

Product Strategy & System Design

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

Execution with Backend Teams

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

Quality, Risk & Reliability

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

Cross-Functional Ownership

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

What We’re Looking For

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

Nice to Have

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

Mindset We Look For

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

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