Software Engineer- Backend (OpenBanking API & Developer API)

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 Shape the future of our OpenBanking and developer API ecosystem by building robust, secure, and standards-compliant APIs. As a Software Engineer, you’ll spearhead the integration with leading data aggregators to unlock connections with hundreds of accounting and management platforms across Europe. You’ll also play a pivotal role in designing our Developer API portal, empowering media agencies to integrate seamlessly with Incard and automate their workflows. The ideal candidate is an expert in OpenBanking standards, secure API design, and backend development, with a passion for building impactful tools for developers and users alike. Your responsibilities In this role you’ll be:

• Designing and implementing secure, scalable APIs in line with OpenBanking standards (PSD2, OAuth2, XS2A).
• Leading integrations with data aggregators to provide access to accounting and management platforms like Pennylane, Xero, and QuickBooks.
• Developing and maintaining the Incard Developer API portal for media agencies, enabling seamless integration and automation.
• Ensuring API compliance with industry standards, including tokenization and encryption protocols.
• Collaborating with internal and external teams to deliver a reliable and efficient developer experience.

Within 1 month you'll:

• Familiarize yourself with the current API architecture and identify immediate areas for improvement.
• Kick off integrations with two major OpenBanking data aggregators to connect with European accounting software platforms.
• Implement foundational security measures for OpenBanking API compliance, such as tokenization and encryption.

Within 3 months you'll:

• Deliver a working prototype of the OpenBanking API, enabling initial integrations with key accounting platforms.
• Begin the design and development of the Incard Developer API portal, focusing on media agency use cases.
• Act as a technical mentor, sharing OpenBanking best practices and driving adoption of secure API design principles.

Within 6 months you'll:

• Launch a fully functional OpenBanking API integration, unlocking access to hundreds of accounting and management platforms across Europe.
• Deploy the first version of the Developer API portal, empowering media agencies to automate workflows and integrate with Incard.
• Establish a scalable, maintainable codebase that adheres to OpenBanking and API development best practices.
• Play a key role in enhancing the overall API developer experience, incorporating feedback and delivering iterative improvements.

This role involves working closely with the Head of Engineering and CTO to lead critical API development projects. You’ll ensure our APIs comply with OpenBanking standards, support seamless integrations with third-party platforms, and enable media agencies to leverage Incard’s capabilities for streamlined operations. Your qualifications ‍ What we need to see

• Extensive Experience : Several years of software engineering experience, particularly in designing and building secure, high-performance APIs.
• API Expertise : Strong hands-on experience with OpenBanking API frameworks (PSD2, OAuth2, XS2A), as well as secure API design and implementation.
• Backend Development : Proficiency with Python , TypeScript , and Node.js for backend development.
• Cloud Infrastructure : Experience with AWS (Lambda, API Gateway, S3) and event-driven architecture.
• Database Proficiency : Advanced knowledge of relational databases like PostgreSQL and experience working with JSON and XML data formats.
• Integration Skills : Demonstrated ability to integrate APIs with third-party platforms, including accounting tools such as Pennylane , Xero , and QuickBooks .
• Security Practices : Deep understanding of tokenization, encryption, and secure data handling.
• Collaboration : Strong communication and teamwork skills, with experience collaborating with cross-functional teams.

What we'd love to see

• OpenBanking Compliance : Experience with regulatory and compliance aspects of OpenBanking APIs.
• Event-Driven Development : Hands-on experience with tools like Kafka or RabbitMQ .
• Developer Experience : Familiarity with designing API portals or tools for third-party developers.
• Scalability Focus : Experience building APIs that scale to handle large volumes of transactions or data exchanges.
• Technical Mentorship : Interest in mentoring teammates on API design and best practices.

Your tool stack Tech Stack:

• OpenBanking API Frameworks : PSD2, OAuth2, XS2A APIs.
• Python and TypeScript for backend development.
• AWS : Lambda, API Gateway, S3.
• PostgreSQL for database management.
• Familiarity with JSON and XML data formats for API exchange.
• Node.js for handling server-side development tasks.

Skills:

• Proficiency in secure API design and implementation.
• Experience with OpenBanking compliance (tokenization, encryption).
• Integration with accounting tools like Pennylane, Xero, QuickBooks.
• Solid grasp of event-driven development (Kafka, RabbitMQ).

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)