Jobs at FairMoney

Develop, test, and maintain features for FairMoney’s native Android mobile banking application across the full software development lifecycle. The role involves writing clean, high-quality Kotlin or Java code, working with multi-module applications, Clean Architecture, Jetpack Compose, and Coroutines or RxJava. Responsibilities include unit, instrumented, and end-to-end testing, pair programming, code reviews, mentoring junior developers, and collaborating with distributed engineering teams.

Design and build scalable backend, platform, and distributed systems supporting FairMoney’s financial products. Responsibilities include Golang backend development, architecture and technology decisions, relational database design, reliability and performance improvements, CI/CD and infrastructure enhancements, code reviews, testing, and technical mentorship. The role owns medium to large projects from design through deployment and collaborates with product and engineering teams to deliver resilient services for millions of customers.

Leads and mentors software engineers building reliable, scalable backend systems for lending and credit products. Owns technical direction, architecture, delivery, system reliability, engineering standards, incident management, and team development. Partners with Product, Risk, Data, and other stakeholders while contributing hands-on code. The role requires expertise in distributed systems, backend development, databases, APIs, microservices, CI/CD, testing, monitoring, and financial technology domains.

Own end-to-end credit strategy for an Android lending workstream: set roadmap, forecasts, and P&L; design experiments and PD/eligibility rules; implement decision-engine rules; define back-testing, validation and rollout plans; monitor performance and drive corrective actions; collaborate cross-functionally and mentor other analysts to ensure controlled, profitable growth.

Lead and scale FairMoney’s Nigeria-wide operations across field operations, back office, finance, service delivery, and support teams. Own KPIs, budgets, risk controls, customer outcomes, process improvement, operational transformation, and expansion initiatives. Build accountable leadership teams, manage complex stakeholders, optimize costs and performance, and ensure compliance in a regulated financial-services environment.

Lead and mentor engineering squads building identity, authentication, KYC, and backend systems. Provide technical direction for scalable distributed systems, ensure quality, security, reliability, and testing standards, and collaborate with Product, Risk, Compliance, and other stakeholders. Manage performance, hiring, team development, and technical strategy while monitoring production systems and driving continuous improvements.

Owns CX operational reporting, dashboards, automation, Freshworks administration, chatbot optimization, and process improvement. Builds SQL, BigQuery, and Tableau reports; manages Freshdesk, Freshchat, and Freshcaller workflows; monitors CX KPIs; leads governance meetings; and partners with Product and Engineering to resolve customer pain points and improve processes.

The Portfolio Analyst will monitor consumer lending portfolio performance across the full loan lifecycle, analyze credit risk metrics and borrower segments, and identify emerging risks. The role includes building automated Tableau dashboards, evaluating credit policy and product changes, supporting forecasting and risk reporting, analyzing collections outcomes, and translating large-dataset findings into actionable recommendations. The analyst will collaborate with Risk, Product, Data, Engineering, Underwriting, and Collections teams.

Leads nationwide or regional loan recovery operations, setting field strategies, targets, KPIs, and recovery plans. Oversees borrower visits, skip-tracing, settlements, compliance audits, field teams, and third-party agents. Ensures adherence to CBN regulations, credit risk guidelines, debt recovery laws, and ethical collection standards. Collaborates with Credit, Risk, Legal, Operations, and Customer Service teams, while improving recovery processes, reporting, SOPs, escalations, repossessions, and collateral realization.

Owns the customer experience agenda by mapping customer journeys, setting experience strategy, managing improvement roadmaps, resolving pain points with cross-functional teams, reviewing in-app experiences, and standardizing branch experiences. The role translates Voice of Customer insights into accountable actions, tracks performance through dashboards and reviews, assesses branch compliance, and manages an Experience Analyst.

Lead development and implementation of the company-wide Environmental & Social Management System (ESMS). Coordinate ESG and social initiatives, ensure regulatory compliance, perform E&S risk assessments, monitor ESG performance and reporting, advise HR and business units on policies and training, and prepare the annual sustainability report.

Lead owner of FairMoney's Android lending portfolio in Nigeria. Responsible for portfolio economics, business planning, credit strategy, affordability, experimentation, decision-engine implementation, forecasting, risk controls, and building a senior team while coordinating cross-functional delivery.