FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures.
In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents.
FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company’s mission of reshaping financial services for underserved communities.To gain deeper insights into FairMoney’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch informative video.
About the Role
We are looking for a Senior Software Engineer to join our engineering team and build reliable, scalable systems that power our lending and credit products. You’ll work on backend services, distributed systems, and data-intensive applications, with a strong focus on performance, reliability, and scalability.
This role is ideal for an engineer who has strong backend experience and understands how to design systems that operate reliably at scale, particularly within lending, credit, fintech, or other high-volume financial environments.
Requirements
What You’ll Do
- Design, build, and maintain scalable backend services and distributed systems.
- Develop reliable APIs and services that support lending and credit-related products.
- Design, optimise, and maintain relational databases and data models.
- Identify and resolve performance, scalability, and reliability bottlenecks.
- Contribute to architectural decisions and technical design discussions.
- Build systems with strong consideration for availability, fault tolerance, security, and data consistency.
- Work closely with Product, Data, Risk, and other Engineering teams to deliver impactful solutions.
- Review code, provide technical guidance, and contribute to engineering best practices.
- Investigate and resolve complex production issues.
- Improve system observability, monitoring, and overall operational reliability.
- Mentor other engineers and contribute to a strong engineering culture.
What We’re Looking For
- 5+ years of professional software engineering experience, with strong backend development experience.
- Strong experience designing and building distributed systems and scalable backend applications.
- Experience working within lending, credit, fintech, payments, or a closely related financial domain.
- Strong understanding of relational database design, indexing, query optimisation, and performance tuning.
- Experience designing and consuming RESTful APIs and working with service-oriented or microservices architectures.
- Strong understanding of software engineering principles, system design, and data structures.
- Experience working with cloud infrastructure and modern development/deployment practices.
- Strong problem-solving and debugging skills.
- Experience with automated testing, CI/CD, and production software development.
- Ability to work effectively in a collaborative, fast-paced engineering environment.
Nice to Have
- Experience building or scaling credit decisioning, loan management, repayment, or risk-related systems.
- Experience with event-driven architectures, messaging systems, and asynchronous processing.
- Experience working with high-volume transactional systems.
- Experience with observability and performance monitoring tools.
- Experience mentoring engineers or providing technical leadership.
Benefits
- Private Health Insurance
- Pension Plan
- Training & Development
- Remote work
- Paid Time Off
- HR Screening: 30 minutes
- Hiring Manager Interview: 30 minutes
- Technical interview with the Engineering team: 60 minutes.
Skills Required
- 5+ years of professional software engineering experience with strong backend development experience
- Experience designing and building distributed systems and scalable backend applications
- Experience in lending, credit, fintech, payments, or a related financial domain
- Strong understanding of relational database design, indexing, query optimization, and performance tuning
- Experience designing and consuming RESTful APIs and working with service-oriented or microservices architectures
- Strong understanding of software engineering principles, system design, and data structures
- Experience with cloud infrastructure and modern development and deployment practices
- Strong problem-solving and debugging skills
- Experience with automated testing, CI/CD, and production software development
- Ability to work effectively in a collaborative, fast-paced engineering environment
- Experience building or scaling credit decisioning, loan management, repayment, or risk-related systems
- Experience with event-driven architectures, messaging systems, and asynchronous processing
- Experience with high-volume transactional systems
- Experience with observability and performance monitoring tools
- Experience mentoring engineers or providing technical leadership
What We Do
FairMoney is building the leading mobile bank for emerging markets. Our goal is to rebuild Africa's money story by offering Tier 1 digital financial services to merchants and consumers alike. In our key market; Nigeria, FairMoney is currently the Most downloaded fintech app in Nigeria with over 10 million downloads and the #1 digital bank in Nigeria. FairMoney offers a range of digital financial products including, near-instant digital loans 24/7, investment products, savings, payments, and cards directly via its mobile app. We give 10,000 loans daily (one every 8 seconds!) in Nigeria and India, and have banking operations in Nigeria, with over 6 million users. We're backed by international investors and have raised a total of $89.9M in funding, to support our development. FairMoney is unique thanks to its international exposure (with offices on 3 continents) and its impact-driven mission: we bring financial inclusion to underbanked people in emerging markets! We are a team of close to 600 people, and for most of the positions, it's possible to join FairMoney remotely or in one of our offices: in Paris, Bangalore, Lagos, and Riga. We value candidates who embrace our company values: • Growth Mindset – We believe in the power of a Growth Mindset, not fixed or static. • Big Plans, Bigger Ambitions - We make big plans, and have even Bigger Ambitions. We are here to build massive scale and drive the fintech revolution across Africa. • Talent has no passport - We believe that Talent Has No Passport. While opportunity may not be evenly distributed across the world, talent is. • Start with the Client – We Empathize with our users to optimize our impact. Many of us don’t live where our customers do - we must go in-depth to understand their pain points. Discover our other values during your discussions with the team. https://apply.workable.com/fairmoney/?lng=en
